vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I am now requesting proof of the previous investigation I'm asking that you send your method of investigation along with all the records of who you spoke with their business address name and phone number as well as documentation that proves this account was late if you can not provide me with this information in XXXX  days update the account to pay never late on XX/XX/year> and send me a copy of my updated credit 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 explanation
Consumer complaint received 2024-12-28 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: MS

Complaint narrative:
My identity has been compromised and I have not received any information regarding what is going on with my identity, I have addresses and unknown phone numbers in my name that I never had. I also have some discrepencies as well in my credit report. I started this investigatin on XXXX and have not received any information regarding my identity being used. Therefore, their are things on my credit report that may not be mine.

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 2024-12-28 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My information was in some data breaches. Someone scammed my accounts and credit cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Bank of America # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Pro Collect for repeatedly reporting a rental collection account to my credit report that I do not owe, have no knowledge of, and have never authorized. This ongoing negative reporting is severely impacting my credit, making it difficult for me to provide stability as a single mother trying to make ends meet. 

I have reached out to Pro Collect multiple times via email and other channels, requesting proof of this alleged account, including documentation with my signature to verify my responsibility. Despite my repeated attempts, I have received no response or supporting documentation from them. 

Instead of addressing my concerns or providing verification, they continue to report damaging information to my credit profile. I am requesting an immediate investigation into this matter and for Pro Collect to provide valid proof of this debt or remove this inaccurate account from my credit report immediately. 

Thank you for your attention to this issue. I look forward to a prompt resolution.

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 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Inaccuracies an incomplete information2. charge off an trying to collect dept an has it still reporting open on my accounts 3.defamation Of character ( usc 1401 ) violation action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. I have lost XXXX XXXX in damages life ruined these repots are in all three reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update 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 2024-12-28 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: AR

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update 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 explanation
Consumer complaint received 2024-12-28 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 writing to inform you that I am a victim of a data breach and that my personal and financial information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiry from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX  XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Inquiry to be Blocked and Deleted : XXXX. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: AR

Complaint narrative:
Upon inspecting my most recent credit report, I identified several accounts that I did not open. I demand these be removed immediately as they are incorrect and unauthorized.

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 2024-12-28 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: GA

Complaint narrative:
I am filing this complaint because my personal and financial information was exposed during a recent data breach. This breach compromised sensitive details, including my debts and accounts, such as my car loan, credit card with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX account, and certain medical bills. The breach also exposed my personal information, including as Social Security number, address, phone number, and confidential medical information. 

I became aware of this breach a month ago via email amd mail regarding the incident. As a result of this exposure, I am now at risk of identity theft and financial fraud. 

The breach has caused significant concern about the security of my financial and personal data. I have already taken steps to mitigate the potential harm, such as monitoring my accounts, but these measures have required time, effort, and additional expenses on my part. 

I am seeking assistance to ensure accountability for this breach, including measures such as offering free credit monitoring services, providing reimbursement for any related expenses, and improving security measures to prevent future breaches.

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 2024-12-28 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: GA

Complaint narrative:
I am filing this complaint because my personal and financial information was exposed during a recent data breach. This breach compromised sensitive details, including my debts and accounts, such as my car loan, credit card with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX account, and certain medical bills. The breach also exposed my personal information, including as Social Security number, address, phone number, and confidential medical information. 

I became aware of this breach a month ago via email amd mail regarding the incident. As a result of this exposure, I am now at risk of identity theft and financial fraud. 

The breach has caused significant concern about the security of my financial and personal data. I have already taken steps to mitigate the potential harm, such as monitoring my accounts, but these measures have required time, effort, and additional expenses on my part. 

I am seeking assistance to ensure accountability for this breach, including measures such as offering free credit monitoring services, providing reimbursement for any related expenses, and improving security measures to prevent future breaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I got a miles and more travel credit card from Barclays Bank US as I am a frequent Traveller in XX/XX/year>. I used this card for approximately XXXX weeks and the card was put on a block. I called the bank severally to complain and in between my calls being redirected to XXXX where I am put on very long holds and repeatedly asked to send fax of my documents including my ID for there verification nothing ever got resolved. After sending fax about XXXX times and dozens of calls with no result for almost XXXX months I requested the account be closed. Before the account closure I tried making payment of {$1000.00} to the account to offset my spendings on the card, Barclays returned the payment back to my XXXX XXXX  XXXX due to the restriction on my account. 

In XXXX when I saw the burgeoning interests and charges I called them again and finally was told the block has been lifted and I disputed the over {$400.00} in lates and payment and the person who spoke to me on XX/XX/year> agreed to remove all charges and interest and revert back to the original outstanding of {$2600.00}, with the promise that the next billing cycle it will reflect and the minimum payment will be as it should be without the charges. On the same day the person said my minimum due after all previous charges were removed was {$1.00} but I told her to go ahead and charge {$10.00} to my account which she did. But by the XXXX of the same month I got another late fees payment which I again contested and reminded the person I spoke with that the account balances is yet to be rectified to showing the agreed minimum payments as I am still seeing {$500.00} plus on the new cycle, I was then told the {$1.00} minimum information I was given was wrong but rather it was {$30.00} plus which I made and in XXXX I made another {$92.00} against a {$91.00} minimum payment, but with each payment the balances increase and I keep getting charged a late fee. This Barclays US has treated me so unfairly the trauma of the experience made me request the close the account. The worst thing is after Barclays told XXXX on XX/XX/XXXX all was okay and my account will be adjusted and receiving payments from me today I realized my account was sent to collections. I keep calling them and chatting to fix the situation but from every indication they are not listening 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
The company Lexington law said I would have results of removals off my credit within the first 30 days and I seen nothing result on my credit report and was charged hundreds of dollars per month for no results just pending everything if that. Then the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXX XXXX XXXX XXXXXXXX.The following inquire was not authorized and should not be reported XXXX XXXXXX/XX/XXXX. The following inquire was not authorized and should not be reported XXXX XXXX following inquire was not authorized and should not be reported. XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:1XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. I would like this item immediately re-investigated. XXXX XXXX XXXX XXXXXXXX.The following inquire was not authorized and should not be reported XXXX XXXXXX/XX/XXXX. The following inquire was not authorized and should not be reported XXXX XXXX.The following inquire was not authorized and should not be reported. XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-28 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: Kovo
State: GA

Complaint narrative:
I contacted this company KOVO, INC XX/XX/scrub> 2024 about this negative account there are reporting on my credit report. Asked for proof of verification of debt they never showed any proof!! then asked for them to remove it from my credit report they decided to report as paid for less. And know I have put this company on notice of demand and invoice for my rights being violated under the FCRA Act they continue to report and You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Barclays Bank Delaware # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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