vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
XXXX XXXX XXXX Placed on my credit report a debit for {$980.00}, this dropped my score over 90-Points.

Then placed on my account another debit over {$2500.00} and this hurt my score over a 100-points. I disputed two accounts and one was deleted from my credit report for a reason!

Months ago I called and requested for proof of debit again and this would be my 4th time. I asked for proof that they have obtained my Medical Files.

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have 3 accounts.

So since I remember disputing two and one was deleted from my credit file, it shouldn't still be an issue but it is and now it's 3.

I asked again for all 3 account numbers. 

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts. 

So for this complaint I am reporting 3 accounts, one was REMOVED FROM MY CREDIT FILE and one is still there and also this other account.

One or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report Medical Debt on my credit files. 

This same complaint will be sent to XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
XXXX XXXX XXXX  Placed on my credit report a debit for {$980.00}, this dropped my score over 90-Points.

Then placed on my account another debit over {$2500.00} and this hurt my score over a 100-points. I disputed two accounts and one was deleted from my credit report for a reason!

Months ago I called and requested for proof of debit again and this would be my 4th time. I asked for proof that they have obtained my Medical Files. 

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have 3 accounts.

So since I remember disputing two and one was deleted from my credit file, it shouldn't still be an issue but it is and now it's 3.

I asked again for all 3 account numbers.

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts.

So for this complaint I am reporting 3 accounts, one was REMOVED FROM MY CREDIT FILE and one is still there and also this other account.

One or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report Medical Debt on my credit files. 

This same complaint will be sent to XXXX, XXXX and Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
What happened : I am a victim of identity theft with fraudulent charges collections and accounts that have been either open and or closed on my reporting FICO consumer credit report This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that all three credit bureaus XXXX credit reporting agency equitably and experienced 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 consist of a mobile account XXXX XXXX  XXXX XXXX XXXX under the account number XXXX an auto loan account opened at bridgecrest on XX/XX/XXXX account number XXXX personal loan account opened at XXXX XXXX XXXX XXXX XXXX account number XXXX a credit card account opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
Amerisave pulled my credit without my permission or expressed authorization. This occured today XX/XX/year>. My wife, XXXX XXXX 's credit report was also pulled without her expressed or implied permission. 

When I called to ask why my credit was pulled without my permission. I was told that minorities don't often qualify for mortgage so they authomatically pull credit so they don't waste time on people who don't qualify. The named individual was the person I spoke to on the phone. I also requested to speak with her supervisor XXXX XXXX at XXXX XXXX XXXX. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwww.amerisave.comXXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint to address inaccuracies on my credit report and the inadequate handling of my disputes by the credit reporting agencies and XXXX XXXX XXXX XXXX. 

XXXX. Inaccurate Reporting of Late Payment : My credit report incorrectly states that I was XXXX  days late in XX/XX/year> on my XXXX XXXX XXXX XXXX account, while the reports for XXXX and XX/XX/year> indicate on-time payments. This discrepancy suggests an error in the reporting. Under XXXX XXXX. XXXX, creditors must ensure accurate reporting of late payments. I have disputed this with the credit reporting agencies twice and requested an investigation. To date, I have not received a thorough response or any documentation to substantiate the late payment claim. This incorrect reporting negatively impacts my credit profile. I request immediate correction to reflect on-time payment for XX/XX/year>. 

XXXX. Discrepancies in High Balance and Credit Limit Reporting : XXXX XXXX XXXX XXXX adjusted the high balance on my account but failed to update the credit limit to reflect its reduction to {$500.00}. As a result, my report inaccurately shows that I exceeded my credit limit. This error directly affects my creditworthiness and debt-to-credit ratio. Additionally, the last payment dates and balances vary across the XXXX major credit bureaus, highlighting further inconsistencies in reporting. 

XXXX. Erroneous Payment Amount Reported : My credit reports state that I made a {$1100.00} payment on XX/XX/year>. However, my bank records confirm payments of {$200.00} on XX/XX/year>, and {$73.00} on XX/XX/year>. If the {$1100.00} payment were accurate, my balance would be XXXX or significantly reduced. Instead, my balance remains over the credit limit. This misreporting raises questions about the accuracy of the data provided by XXXX XXXX. 

Attachments : XXXX, XXXX, and Equifax credit reports highlighting the inaccuracies. 
Bank records showing the actual payment amounts made on XX/XX/XXXX and XXXX, XXXX. 
Request for XXXX : I demand the following actions : XXXX correction of the late payment reported for XX/XX/year> to " on-time. '' Update the credit limit on all credit reports to reflect the {$500.00} limit as of the adjustment date. 
Provide documentation to support the claim of a {$1100.00} payment or adjust the reports to accurately reflect the payments made. 
Rectify all discrepancies in payment history, balances, and credit limits across the XXXX credit bureaus. 

Failure to address these issues promptly will leave me no choice but to seek legal action to ensure compliance with federal law and protect my credit profile. 

Thank you for your immediate attention to these matters. I expect a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXXXXXX XXXXXX/XX/year> Lowes/SYNCB XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX Regarding Disclosure of Nonpublic Personal Information Dear SYNCB/LOWES " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802. 

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices. 


2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information. 



I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ]. 

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information.

2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information. 



If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights. 

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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
Consumer complaint received 2025-01-09 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:
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

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 2025-01-09 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2025-01-09 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:
recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that you will investigate these item for me to ensure accuracy here the item um asking you to verify as accurate XXXX Account number 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
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: VA

Complaint narrative:
I have a self prepaid credit card that was stolen and maxed out. Ive been trying to dispute this for over a year and i am unable to get in contact with the company to dispute the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-09 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: TX

Complaint narrative:
Dear, CFPB I formally address XXXX XXXX XXXX XXXX my ongoing dispute concerning the charged-off account referenced under Account Number : [ XXXX ]. In my previous correspondence dated [ XX/XX/XXXX ], XX/XX/XXXX, and XX/XX/XXXX I disputed this alleged account was inaccurate, it was re-aged, and continued reporting of a monthly balance associated with the alleged account. 

Despite my request for a thorough investigation, I have yet to receive a satisfactory response or any indication that my concerns have been properly assessed. This lack of action is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( I ), and 1681 ( S ) ( 2 ) which mandates that this company investigate my dispute in a timely and meaningful manner. A charged-off account should not reflect a balance and definetly should not have activity for 74 months in the payment history. XXXX XXXX XXXX has change the date of last activity was XX/XX/XXXX. Now it shows past due as of XX/XX/XXXX. I am concerned that these errors will not get resolved it`s threatening my access to credit, employment, and housing. 
I respectfully request that you : Conduct a comprehensive investigation of my original dispute regarding inaccurate reporting. 

Provide me with the results of your investigation, along with any documentation used to analyze the accuracy of the reported information. 

Send me the assignment contract that pertains to alleged account to validate its current state. 

Update and correct your records to reflect the accurate information regarding my account. 

Notify the credit reporting agencies of any corrections made to ensure that my credit file is consistent and accurate or delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Dear, CFPB I formally address XXXX XXXX XXXX XXXX  my ongoing dispute concerning the charged-off account referenced under Account Number : [ XXXX ]. In my previous correspondence dated [ XX/XX/XXXX ], XX/XX/XXXX, and XX/XX/XXXX I disputed this alleged account was inaccurate, it was re-aged, and continued reporting of a monthly balance associated with the alleged account. 

Despite my request for a thorough investigation, I have yet to receive a satisfactory response or any indication that my concerns have been properly assessed. This lack of action is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( I ), and 1681 ( S ) ( 2 ) which mandates that this company investigate my dispute in a timely and meaningful manner. A charged-off account should not reflect a balance and definetly should not have activity for 74 months in the payment history. XXXX XXXX XXXX has change the date of last activity was XX/XX/XXXX. Now it shows past due as of XX/XX/XXXX. I am concerned that these errors will not get resolved it`s threatening my access to credit, employment, and housing. 
I respectfully request that you : Conduct a comprehensive investigation of my original dispute regarding inaccurate reporting. 

Provide me with the results of your investigation, along with any documentation used to analyze the accuracy of the reported information. 

Send me the assignment contract that pertains to alleged account to validate its current state. 

Update and correct your records to reflect the accurate information regarding my account. 

Notify the credit reporting agencies of any corrections made to ensure that my credit file is consistent and accurate or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Dear, CFPB I formally address XXXX XXXX XXXX XXXX my ongoing dispute concerning the charged-off account referenced under Account Number : [ XXXX ]. In my previous correspondence dated [ XX/XX/XXXX ], XX/XX/XXXX, and XX/XX/XXXX I disputed this alleged account was inaccurate, it was re-aged, and continued reporting of a monthly balance associated with the alleged account. 

Despite my request for a thorough investigation, I have yet to receive a satisfactory response or any indication that my concerns have been properly assessed. This lack of action is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( I ), and 1681 ( S ) ( 2 ) which mandates that this company investigate my dispute in a timely and meaningful manner. A charged-off account should not reflect a balance and definetly should not have activity for 74 months in the payment history. XXXX XXXX XXXX has change the date of last activity was XX/XX/XXXX. Now it shows past due as of XX/XX/XXXX. I am concerned that these errors will not get resolved it`s threatening my access to credit, employment, and housing. 
I respectfully request that you : Conduct a comprehensive investigation of my original dispute regarding inaccurate reporting. 

Provide me with the results of your investigation, along with any documentation used to analyze the accuracy of the reported information. 

Send me the assignment contract that pertains to alleged account to validate its current state. 

Update and correct your records to reflect the accurate information regarding my account. 

Notify the credit reporting agencies of any corrections made to ensure that my credit file is consistent and accurate or delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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