vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX Alleged Late Payment Date ( XXXX ) : XX/XX/year> Creditor Name : XXXX XXXX XXXX XXXX  Alleged Late Payment Date ( XXXX ) : XX/XX/year>, XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1666b ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1666b. 

In accordance to the fair credit act this creditor has validated my rights under 15 USC 1666b. It states the consumer reporting agency can not furnish any account without my written consent. A creditor may not treat a payment 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. 



. Please remove and delete the above accounts in this statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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:
am writing to request that the following fraudulent account be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed. I have provided the details of the account below. 
Account to Be Blocked and Deleted XXXX  - XXXX - XX/XX/year> - {$00.00}

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 a 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 ) ( 1 ) 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 2024-11-02 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: AZ

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: AZ

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-02 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: AZ

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

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 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XX/XX/XXXX, I opened a store credit card at a Best Buy location sponsored by CitiBank North America. At that time I explicitly asked for a store credit card vs. Visa credit card and was given that approval. 

In XX/XX/XXXX I noticed on the Best Buy online credit card portal my store credit card was closed and a new Visa credit card was issued. I contacted support and was told a notice was mailed to me in XX/XX/XXXX with an opt-out option for the issuance of the new card. I asked for proof of delivery or receipt ( such as certified mail ) and was told they only have internal records the notice was mailed. 

I am filing this complaint as I believe a credit card was issued under my social security number without my authorization. I did not receive this opt-out notice nor did I provide any sort of consent for a Visa Best Buy card issued through Citibank to be opened. I believe this was a deceptive business practice to convert accounts without user consent with the purpose of increasing credit usage on these cards. 

Here are steps the company should have taken to provide proper notice of such opportunity : - Provide an opt-in offer as opposed to opt-out. 
- Provide electronic notification of such changes. I did not receive an email or portal messages regarding this change. 

This complaint is the beginning of my process to take action against CitiBank North America / Best Buy Credit Services for the purpose of protecting consumers from predatory business practices such as this.

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 2024-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In XX/XX/year>, we applied for hardship assistance with PNC due to increased financial strain from XXXX home improvement loans for a new roof, HVAC system, and impact windows. These XXXX financing payments are added to our property taxes, paid annually, which increased our monthly mortgage payments. Our designated contact was supposed to inform us of the hardship application approval and send a letter for us to sign and return by XX/XX/year>. However, we only received a call from our contact around XX/XX/year>, informing us that our application was canceled due to the unreturned signed form. We were told that we would have been up to date on past payments and that the next payment was due on XX/XX/year>. We would have been approved for a favorable new plan, which we would have gladly signed. We didn't receive the approval letter until the last week of XXXX after requesting it. Meanwhile, we fell behind on mortgage payments and entered foreclosure. Additionally, we had a health insurance premium of around {$1300.00} per month for my husband. We have now secured state assistance to cover this payment, giving us an extra {$1300.00} per month. We are awaiting final word from XXXX XXXX  to complete the hardship process with PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing incorrect personal information on my credit report, which includes multiple names and addresses that do not belong to me. I first noticed this issue in XX/XX/year> while reviewing my credit report. Since then, I have taken steps to address it by gathering supporting documentation and contacting your company directly to request corrections. However, the inaccurate names and addresses remain on my report, adversely affecting my credit profile. I expect prompt action to rectify these inaccuracies. Please investigate this matter and ensure that my credit report reflects my correct personal information. 

Please see the drivers license attached.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing incorrect personal information on my credit report, which includes multiple names and addresses that do not belong to me. I first noticed this issue in XX/XX/year> while reviewing my credit report. Since then, I have taken steps to address it by gathering supporting documentation and contacting your company directly to request corrections. However, the inaccurate names and addresses remain on my report, adversely affecting my credit profile. I expect prompt action to rectify these inaccuracies. Please investigate this matter and ensure that my credit report reflects my correct personal information. 

Please see the drivers license attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony said that my case was unfounded because the items were shipped to my address. I do not understand what part of me being XXXX XXXX they do not understand. I was not in control of my house my person of any of the accounts in my name.

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 2024-11-02 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: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! NELNET TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 a 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 ) ( 1 ) 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 2024-11-03 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: Early Warning Services, LLC
State: IA

Complaint narrative:
I am writing to formally dispute the fraudulent bank accounts that have been reported under my name and request their immediate removal from my record. 

Upon reviewing my consumer report, I found accounts I did not open or authorize, which I believe resulted from identity theft. The details of the accounts in question are as follows : 1. Account Name : 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 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 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 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 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 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 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 I am writing to ask for an investigation of accounts I have never opened. Please remove these from my Early Warning report. Ive attached a copy of my report. Remove the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I started a dispute with Southwest credit agency regarding a prior rental property reporting false and inaccurate information. I sent over pictures, and complaints that were filed 3/4 months prior to my move out regarding these damages and regarding the suit filed against me which was not awarded to the property. The things that this company is charging is false and all of the information I sent proved that this company was false reporting information and amounts. Southwest has yet to correct this mistake, but they are working directly with this company and not working fairly to not report or to report accurate information. I will also peruse legal action if this is not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute a fraudulent inquiry on my credit report, specifically the hard inquiries from XXXX dated XXXX, 2023. I did not authorize this inquiries and I am a victim of identity theft.XXXX  has complied and proceeded to remove the following inquiries from my credit report all while Equifax chooses to willingly participate in fraudulently activities.All of the exhibits needed are will be below. 

Despite previously disputing this inquiry, I have not received a satisfactory resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into disputes. Your failure to do so constitutes a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
This letter serves as a formal and urgent demand for the removal of an auto charge off/repo account appearing on my credit report under account number XXXX, as it is in violation of federal law and lacks sufficient proof of verification. Despite multiple requests for evidence, your failure to provide adequate documentation demonstrating the methods taken to verify the legitimacy of this account constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), the credit reporting agency is obligated to conduct a reasonable investigation upon being notified of a dispute. This includes providing documentation that verifies the accuracy of the reported information. 
Your failure to comply with this law, by failing to supply proper documentation within the prescribed timeline, is a serious infraction. As such, the continued reporting of this account is unwarranted and harmful to my financial standing The absence of such documentation confirms that this auto charge off/repo account is unverifiable, inaccurate, and in violation of my rights. Therefore, I demand immediate removal of this entry from my credit report. Failure to comply within 15 days from the receipt of this letter will result in further action, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings. 
To expedite the resolution of this matter, please respond in writing confirming the removal of the erroneous entry from my credit report. 
I expect prompt action regarding this demand and look forward to your timely confirmation please and thank you.

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 2024-11-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter serves as a formal and urgent demand for the removal of an auto charge off/repo account appearing on my credit report under account number XXXX, as it is in violation of federal law and lacks sufficient proof of verification. Despite multiple requests for evidence, your failure to provide adequate documentation demonstrating the methods taken to verify the legitimacy of this account constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), the credit reporting agency is obligated to conduct a reasonable investigation upon being notified of a dispute. This includes providing documentation that verifies the accuracy of the reported information. 
Your failure to comply with this law, by failing to supply proper documentation within the prescribed timeline, is a serious infraction. As such, the continued reporting of this account is unwarranted and harmful to my financial standing The absence of such documentation confirms that this auto charge off/repo account is unverifiable, inaccurate, and in violation of my rights. Therefore, I demand immediate removal of this entry from my credit report. Failure to comply within 15 days from the receipt of this letter will result in further action, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal proceedings. 
To expedite the resolution of this matter, please respond in writing confirming the removal of the erroneous entry from my credit report. 
I expect prompt action regarding this demand and look forward to your timely confirmation please and thank you.

Company response to consumer: Closed with non-monetary relief