vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report.

Disputed Accounts : 1.Creditor Name : XXXX Account Number : XXXX Balance : {$960.00} Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 3.Creditor Name : XXXX  Account Number : XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX Account Number : XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 5.Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$400.00} Date Opened : XX/XX/XXXX 6.Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX 7.Creditor Name : XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX 8.Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$150.00} Date Opened : XX/XX/XXXX 9.Creditor Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) - Account Number : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX {$0.00} XX/XX/XXXX USDOE/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. 
Please delete the following accounts. 
XXXX ( XXXX XXXX XXXX  ), {$1700.00} XXXX XXXX XXXX, {$1400.00} XXXX XXXX, {$810.00} XXXX XXXX XXXX, {$2000.00}

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 2024-12-02 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-02 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Mixed information on my credit report is showing accounts that are not mine, and its harming my credit score.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: OH

Complaint narrative:
My mother and I are in debt because U.S. Bank Home Mortgage keeps telling us lies. I need a lawyer to help me. The attachment shows how far US Bank has kept us in debt. We are not even allowed to take our money and have no option to choose. I would appreciate it if you could call me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the dates starting XXXX XXXX into present

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 2024-12-02 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: VA

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
CITIZENS PAY XXXX XXXX  said unpaid amount of {$66.00} was unpaid XX/XX/year>2024. 
The information was incorrect, even if the amount provided was correct i was never contacted by CITIZENS PAY XXXX  XXXX. 

Contact info Address XXXX, RI XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing the inaccurate information reported on my credit report by XXXX with the account number XXXX. This account is listed as " Account charged off with {$150.00} written off and {$150.00} past due. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **IRS Violations ( 1099-C Cancellation of Debt ) : According to IRS regulations, specifically 26 CFR 1.6050P-1, creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled. Although the amount written off in this case is {$150.00}, reporting this as a charge-off without proper documentation and not issuing a 1099-C form raises concerns about compliance with IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is misleading and inaccurate. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off without proper evidence and accurate information constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XX/XX/year>, and it is marked as " Account charged off. '' However, the payment history shows multiple charge-offs and past due statuses, which is inconsistent and inaccurate. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting.

Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws.

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: SC

Complaint narrative:
I am disputing the inaccurate information reported on my credit report by 1STPROGRESS/XXXX with the account number XXXX. This account is listed as " Account charged off with {$150.00} written off and {$150.00} past due. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **IRS Violations ( 1099-C Cancellation of Debt ) : According to IRS regulations, specifically 26 CFR 1.6050P-1, creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled. Although the amount written off in this case is {$150.00}, reporting this as a charge-off without proper documentation and not issuing a 1099-C form raises concerns about compliance with IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is misleading and inaccurate. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off without proper evidence and accurate information constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XX/XX/year>, and it is marked as " Account charged off. '' However, the payment history shows multiple charge-offs and past due statuses, which is inconsistent and inaccurate. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting.

Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws.

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Hello My citi bank regular checking account ending in XXXX and my accelerate savings account have been closed since XX/XX/year> and I was told directly by citi bank XXXXu mail that I would receive my funds that were left on my closed checking account by mail via check within 60 days of my account closure. The letter I received from citi bank stated my account was closed XX/XX/year> and within sixty days from the letter I got they would mail me a check for the amount of funds that were left on my closed checking account. It is now XX/XX/year>. It has been almost 90 days which is way over 60 days since my account was closed and I still havent received a check in the mail from Citibank for the funds I had left that were mine on the closed checking account. I filed a complaint with cfpb in XXXX of this year for the same exact issue and Citi bank responded with a letter saying that any funds left on the closed account will be mailed out to my address on file within 60 days from the account closure letter they sent to me. the claim was then closed after citi bank responded and I waited over sixty days and my check was never mailed out to me. I believe I had around {$140.00} - {$180.00} still left on my account when it was closed by citi bank on XX/XX/XXXX, It has been so long I forgot. I am filing this complaint again because I want citi bank to mail me my check like they said they would for the funds that were left on my closed Citi regular checking account. They promised they would mail me a check with my funds within 60 days and they didnt! I want my money that belongs to me! Ive been waiting patiently for almost 3 months and my check was never mailed to me!

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 2024-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report.

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for
that complaint is FTC Report Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information :
Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX

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