vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: ME

Complaint narrative:
XXXXXXXX XXXX XXXX was to be used was not used. No notice then on my credit report asked for it to be removed was not violated hippa laws by posting medical debt to my report tried even threw XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX dates an entity by the name of XXXX XXXX charged {$50.00} on each date ( for a total of {$100.00} ), The dates are XX/XX/year> ( {$50.00} ACH charge to XXXX XXXX ) and XX/XX/year> ( {$50.00} ACH charge to XXXX XXXX ). 
These charges were not at all authorized by me or my partner. I could not find any entity by that name. 
These charges are fraud. 
The bank- Capital One refused to reinstate the funds into our account saying in a letter dated XX/XX/year>, that we did not respond to the fraud within XXXX hours. 
The bank Capital One could not or would not provide me with any information regarding XXXX XXXX, i.e. no contact information, no idea how they took this money or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I received an email alert that someone was trying to open a XXXX XXXX credit card in my name. I never took out an application for this card. I contacted Experian and declared fraud and to freeze my credit and accounts. I also decided to add an upgraded fraud services for an additional fee. I then get another email from Experian on XX/XX/XXXX that my account has been compromised again and someone has been trying to hack into my file. I was on the phone with Experian for a total of XXXX hours on the XXXX so stop anyone from accessing my account or my credit. 

During my conversation with them they said " all of the information we have for you is incorrect and someone has been trying to steal you personal information and they would freeze my account. 

At that point, I filed a Identity Theft report through the XXXX XXXX XXXX website. 

On XX/XX/XXXX I received an email from Experian stating that I now have a case number and my situation is now being escalated to their fraud team. 
In that email they asked me to provide documentation to them to prove my identity and to upload information to them per their request. 

On XX/XX/XXXX I uploaded my Driver 's License, Utility Bill, XXXX Social Security XXXX a copy of the Identity Theft report through the XXXX XXXX XXXX website and told them to get back to me as soon as possible. 

Since XX/XX/XXXX, I have called at least XXXX times for someone to get back to me or to talk to. On XX/XX/XXXX I was able to reach someone after XXXX hours on the phone at Experian and they gave me another XXXX # and I was told " someone will be in touch with you within XXXX days ''. 

As of today, I have not had any communication with Experian. 

They are the worst company I have ever dealt with in my XXXX years being on this planet. 

My credit and my Identity are extremely important to me and I I need to get this situation fixed in there company. 

If I could sue them I would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
XX/XX/year> a loan was taken out for {$3500.00}. There had already been a rapport established with this company, numerous occasions and paid on time with good credit with this company. The manager decided not to provide funds in person but to mail out checks for credit cards to be paid off. This was delayed for over six weeks and this money was not provided. The manager contacted me to advise my payment was due, and there was a big confusion because there had been no monies distributed to pay any bills and had cost me minimum payments on all credit cards that were late because of her actions as well as the debt being reported to the bureaus that there were balances on the credit cards that have not had the prior month. These funds were lied about and never distributed. When the situation was discussed on numerous occasions, the woman called me a flat out liar, and could not present cash checks to provide these justifications for this debt. Contacting all credit card companies involved it was determined that these checks had been stopped and re-issued and no account numbers added to the check so that they could not be distributed to proper accounts. This was intentionaldeprivation of my character, and I ask for any type of suit to be filed against this company. When asked to provide proper documentation as to updated documents as to win moneys were received in person at a very much later date it was denied and no proper documentation provided. This was a very wrongful and illegal way to do business as they have destroyed credit scores, credit history, Lied about funds in the midst of destroying character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I certified mail a dispute letter to Experian on XX/XX/year>, about an inaccurate account thats being furnished to my consumer report Experian did not provide me the information below 1. Proof of my signature on any agreement that establishes this account as valid and that I agreed to pay this creditor.

2. Documentation of any insurance claim filed on this debt.

3. Proof that you have the legal chain of title to collect on this debt.

4. A detailed list of the history of payments made by me on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bonneville Billing and Collections
State: FL

Complaint narrative:
Under 15 U.S.C. 1692d, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. This provision specifically prohibits actions such as the use of obscene or profane language, the publication of a list of debtors, and any other behavior that would cause emotional distress or harm to the debtor. Any violation of this provision may result in legal consequences, including civil penalties, and can be reported to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently noticed fraudulent activity on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a formal debt validation request to Freedom Mortgage under the Fair Debt Collection Practices Act ( FDCPA ). This request, which was delivered via certified mail, asked for the following documentation : A copy of the original promissory note bearing my signature. 
Documentation proving Freedom Mortgages legal authority to collect the debt, including the complete chain of ownership. 
A detailed breakdown of the loan balance, including principal, interest, and fees. 
Copies of all assignments, transfers, or sales of the loan. 

Despite being legally required to validate the debt within 30 days, Freedom Mortgage has failed to provide any of the requested documentation as of XX/XX/XXXX. However, they have continued to send billing statements and demand payments, which violates the FDCPA by engaging in collection activity without validating the debt. 

This lack of response places undue stress on me as a consumer and prevents me from verifying the legitimacy of the debt they are attempting to collect. 

I respectfully request that the CFPB investigate Freedom Mortgages non-compliance with debt validation laws and ensure they provide the requested documentation or cease collection efforts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
On XXXX XXXX, Source Receivables MNGMN XXXX XXXX XXXX XXXX NC XXXX ( XXXX XXXX ). Place an account on my credit report ( XXXX ) for {$540.00} from a XXXX account that had already been reported to the CFPB XXXX ( closed ), XXXX and the credit bureau . As I explained in this same case different credit collector, I don't own this account, I never lived at the address provided by XXXX XXXX and I also explained to XXXXXXXX XXXX that this is a case of fraud. This company XXXX XXXX, sold this account {$540.00} to Source Receivables MNGMN. After XXXX XXXX investigation showed no evidence this was my account. I did dispute this new filing with the credit bureau but was unable to get this settled. After trying to reach out to Source Receivables MNGMN ( XXXX XXXX ) no answer. I ask that the CFPB have this company removed the same {$550.00} from my credit report and close this case as they did before, because this is not an account of mine. This is a case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX I phone Citi bank again inquiring about my refund in my available balance the bank mislead me due to my XXXX ( of XXXX XXXXXXXX ) attempting to take advantage of me by stating my account was in the negative when my funds never posted to my account in the first place However I noticed the bank let the merchant collect the full funds in the original purchase of {$370.00} instesd of the XXXX dollars when they informed me on my account they was collecting XXXX Dollars cause of the refund of XXXX + XXXX from the amount of {$370.00} The bank mislead me attempting to take advantage of my XXXX and the still have my refund pending on my account Attached or exbits

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief