vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, Experian, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in Experian and XXXX. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in Experian and XXXX. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected. 
Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, Experian, and XXXX verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had {$5200.00} in my account and it is the XXXX they closed my account with my money in it now I will not be able to pay my rent. Ill have to move out my apartment and everything all because they shut the account down. They didnt tell me anything or any reasoning behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
in reviewing my credit reports I found this account that is not mine and not recognized. I have medical insurance and any care would have received would have been covered and paid by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime Stride Bank. I had a credit builder account with them and they charged it off. This is on my credit report and I am trying to pay it as it is only XXXXXXXX XXXX They will not let me pay it and they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly ask for your assistance in reviewing the accounts from companies inaccurately reporting late payments. After losing my job, I requested that the late payments be forgiven, which they agreed to, yet they are still being reported. Despite my efforts to follow up, I have received no updates, making this my last option.

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 2025-01-02 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: NC

Complaint narrative:
Hello, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 non-monetary relief
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: CA

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 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 2025-01-02 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: Experian Information Solutions Inc.
State: CA

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 2025-01-02 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report as they were compromised due to the breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts and inquiries : Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$44.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$270.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not 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 2025-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agency is reporting fraudulent information. I have attempted to resolve this matter directly without success. The credit inquiries ( documentation attached ) were done without my knowledge and or permission. Please refer to attached documentation that establishes my identity theft claim. Please have the credit reporting agency delete all inquiries not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: A&D Mortgage LLC
State: NY

Complaint narrative:
my mortgage company is in charge of paying the homeowners insurance from my escrow. due to the non payment. They were supposed to sent the check back in XXXX and apparently they didn't it. My insurance policy was cancelled for non payment and now the price went up by 100 %. When contacting the mortgage company they stated the check was mailed to XXXX and it was voided because XXXX never cashed the check. XXXX said they never received a check from the mortgage company and due to cancellation for non payment, it went up by 100 %. The mortgage company or XXXX never sent me a letter explaining the situation or giving a notice before the cancellation. 
Due to this negligence i am unable to pay this price. It went up from {$3500.00} to {$5800.00}. The mortgage company has been in charge of this insurance payment since i got the loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
Consumer Name : XXXXXXXX XXXX XXXXXXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, an account opened at XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account XXXX, an Cell Phone account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of 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 non-monetary relief
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2025-01-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2025-01-02 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach and that the following accounts have been fraudulently opened or accessed due to this breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit report.

Please find below a list of the accounts that require immediate attention : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$41000.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Amount : {$820.00}

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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I made a purchase on my XXXX credit card on XX/XX/year> for {$59.00}. I was signed up for electronic statements. I realized a payment was due and sent the full amount on XX/XX/year>. This was four days after the due date of XX/XX/year>. When I called Comenity on XX/XX/year> when I realized I had been assessed a {$30.00} late fee, I learned I was eligible for a one time credit because of my prior payment history. I sent an electronic message on XX/XX/year> disputing how any future late fees are applicable. I received a response on XX/XX/year> but it only confirmed the credit adjustment for the initial late fee. I checked all the statements and realized I was continually being assessed a {$30.00} late fee for every additional month when the original charges were paid on XX/XX/year> and the late fee was credited on XX/XX/year>. I sent another detailed request for an explanation of the late fees on XX/XX/year>. I received a reply early this morning. It does not provide a reason why additional late charges are being assessed while I have been questioning the second late fee being applicable when the first one was eligible for adjustment. There has been no balance on my account since I paid the charges on XX/XX/year>. 

I also complained about the lack of information in the emails that are sent as far as the full balance on the account, not just the minimum balance due. In addition, the company has called my cell phone more than 25 times in the last month from various numbers, none of which indicate Comenity is the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
My information was exposed in the data breech. Accounts I do not own have been added to my credit. Such and LVNV funding, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MD

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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