vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : I C System Account # XXXX date opened XX/XX/XXXX bal. {$950.00}, eastern account System Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
XXXX XXXX LAST XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Dispute of Closed Chase Account on Credit Report and Fraudulent Charges Dear Sir/Madam, I hope this letter finds you well. I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a recent issue with Experian concerning a closed XXXX account that remains inaccurately reported on my credit report. 

In XXXX XXXX of XXXX, I disputed the accuracy of a closed XXXX account listed on my Experian credit report. This dispute was filed on the grounds that I do not acknowledge any responsibility for the debt, nor have I been provided a 1099-C form from XXXX indicating that I am liable for this account and that they wrote it off for their tax benefit. Despite my efforts to resolve this, Experian failed to properly investigate and correct the information as per the Fair Credit Reporting Act ( FCRA ) and why they are being sued. 

The account in question has balances reported that I neither recognize nor claim, and I believe fraudulent charges were made to this account. I have no knowledge of these charges, and I never agreed to or authorized any debts associated with this account. Therefore, I am asserting that this debt is fraudulent. 

In my communication with Experian, I requested a thorough investigation into the account, but I have yet to receive any satisfactory resolution or verification from either Experian or XXXX. As of now, this account remains inaccurately listed on my credit report, which is adversely affecting my creditworthiness. 

I respectfully request your assistance in ensuring that Experian follows the appropriate procedures to rectify this issue. I am seeking a full investigation into the matter and the removal of this erroneous account from my credit report. Furthermore, if any charges related to this account were fraudulently made, I expect that these will be removed, and proper steps will be taken to clear my name and credit history. 

Please feel free to contact me should you require any additional information or documentation related to this dispute. I would greatly appreciate your prompt attention to this matter. 

Thank you for your time and assistance. 

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 2025-01-22 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: WA

Complaint narrative:
I STILL CAN NOT access my online account with TransUnion. They are reporting XXXX Inquiries which I did not authorize. I have been trying for 6 months to get them removed!!! 
They have not removed them!!!! 
Yesterday I talked to a " XXXX '' who said they can not remove the inquiries because they are over 6 months old. THAT'S JUST BECAUSE THEY PUSHED ME OFF!!! 
I even sent NOTARIZED AFFIDAVID VIA CERTIFIED MAIL contesting these inquiries as FRUADULENT!!! And they still do nothing!!!

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 2025-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX claims with bank of america. Bank of America even contacted me to assist with the forth claim of charges I had missed during this time that should have been included in initial claims. Bank of america has yet again denied all claims based on patterns of card use. I just received a letter from Bank of America that a freeze /hold has been put on my account due to suspected fraud. No changes have been made to this account since the fraud took place. So how is it that they are denying my claims because of pattern of use but now locking my account due to suspected fraud. Bank of America issued XXXX cards to My account to addresses that were not mine and I have provided proof of that to them. They did not change the pin to my account until XXXX of XXXX  allowing the person who was using my identity to have access to my account and blocking me from having access. The total is over XXXX they allowed someone to use off of my account and I reported the fraud immediately as and they continued to allow someone else access for over XXXX  months. I tried to get them to put a hold on the account and refused and now that I have filed police reports proven my identity and my residence they deny my claims but put a freeze due to suspected fraud. Bank of America has a XXXX liability claus on this product but is refusing to repay the money they allowed someone to steal from 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 2025-01-22 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I filed a dispute on : Account number XXXX with XXXX XXXX XXXX. Amount- {$3300.00}. 
Account number XXXX with XXXX XXXX XXXX. Amount- {$810.00}. 
Account number # # # # # # XXXX with XXXX XXXX XXXX XXXX {$4500.00}. 
Due to not authorizing this debt to a third party. XXXX, XXXX, and XXXX refused to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company accepted unreliable information and failed to inform consumers of the results of the dispute. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed immediately as its affecting my chances of getting a car. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights under 15 U.S.C. 1681 have been violated. This law ensures that I have the right to privacy, as stated in 15 U.S.C. 1681b, which also specifies that a consumer reporting agency can not furnish information on an account without my explicit written authorization or unless permissible by law. Additionally, under 15 U.S.C. 1666b, creditors may not treat payments under an open-end consumer credit plan as late for any purpose if the payment complies with the terms of the agreement.

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 2025-01-22 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:
I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-22 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: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX has reported inaccurate and inconsistent information to the credit bureaus regarding my mortgage account. 

Here 's what happened : Due to extensive flood damage to our home and XXXX declaring XXXX XXXX a flood zone, XXXX XXXX XXXX XXXX XXXX Department approved XXXX consecutive forbearance periods for our mortgage : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX Despite these approved forbearances, XXXX XXXX has incorrectly reported my account as past due since XX/XX/XXXX. This contradicts the terms of our forbearance agreements and violates the Fair Credit Reporting Act ( FCRA ). 

I sold the property at XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/XXXX, and the loan was paid off at that time. However, XXXX XXXX has failed to update my credit report to reflect this payoff. The inaccurate reporting is inconsistent across all three major credit reporting agencies. 

As a result of this incorrect reporting, I have been denied refinancing for my current home and an application for a new mortgage, despite having an otherwise excellent credit history with no late or missed payments. 

I have requested that XXXX XXXX : - Correct the inaccurate information on my credit reports to show my account was current during the forbearance periods. 
- Update my credit reports to reflect the loan payoff on XX/XX/XXXX. 
- Explain the inconsistent reporting across the three credit bureaus. 
- Confirm in writing that these corrections have been made. 

Despite my efforts to resolve this issue directly with XXXX XXXX, the problem persists, causing significant financial harm. I am seeking assistance from the CFPB to ensure XXXX XXXX complies with the FCRA and corrects these errors promptly.

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 2025-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: RELIANCE FIRST CAPITAL LLC
State: OH

Complaint narrative:
I was interested in a potential HELOC and entered requested information on XXXX XXXX. I have received multiple phone calls and text messages bidding for my business, but was unaware that sensitive information was sent to all of them. One of the lenders has an agent that sent me a message. I perceived as threatening when he stated I can save you money. I dont know why you wont call me. I have your Social Security and birthdate. I dont know why youd put that on the application. he then proceeded to tell me that all of the lenders that received this information have the same. He is very persistent and unprofessional, and now I have concerns that other businesses could potentially use my sensitive information for nefarious purposes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My credit score dropped due to incorrect late payment information when my mortgage was sold, which dropped my score and the credit card closed my account even though I have never been late on a payment

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 2025-01-22 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: GA

Complaint narrative:
This complaint concerns the inaccurate reporting of three XXXX student loans on my XXXX and Equifax credit report. These loans were previously part of a larger account of XXXX loans that were closed and successfully removed from my report. However, these XXXX accounts have recently reappeared on my credit report despite providing evidence of the account closure. XXXX has failed to remove the inaccurate entries and continues to assert that the information is correct. 

This issue is particularly concerning in light of recent actions against XXXX for significant violations in student loan servicing. XXXX has been fined and prohibited from working with the Department of Education due to widespread issues, including the inaccurate reporting of loan information. This raises concerns about the accuracy and reliability of XXXX data on my XXXX credit report and XXXX 's due diligence in addressing these systemic issues. 

Supporting Documentation ( upon request ) : Copies of previous dispute submissions to XXXX Evidence of loan closure ( e.g., account statements, letters from XXXX ) Copies of correspondence with XXXX Publicly available information regarding XXXX 's recent fines and sanctions Documentation showing the initial removal of the accounts from my credit report ( e.g., previous credit reports where the accounts were not present )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Removal of Profit and Loss Write-Off from Credit Report To Whom It May Concern : I am writing to formally dispute the reporting of a profit and loss write-off on my credit report associated with an account under your management. The vehicle related to this account has been sold and was also totaled in an accident, which renders the current reporting of this account inaccurate. I request that you take the following actions : Remove the negative account reporting : The profit and loss write-off should be removed from all credit reporting agencies as it is no longer valid under the circumstances of the vehicle being sold and totaled. Provide validation and documentation : If you believe this debt or write-off is accurate, I request detailed documentation that justifies the reported balance, including any record of the sale and accident proceedings. Cease all collection efforts : Any attempts to collect this disputed debt must stop immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of information on my credit report. Any failure to correct inaccuracies may expose your company to liability. I demand written confirmation within 30 days of your receipt of this letter that the negative reporting has been removed from all credit bureaus. If this issue is not resolved promptly, I will file disputes directly with the credit bureaus and escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies. Thank you for your immediate 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 non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Removal of Profit and Loss Write-Off from Credit Report To Whom It May Concern : I am writing to formally dispute the reporting of a profit and loss write-off on my credit report associated with an account under your management. The vehicle related to this account has been sold and was also totaled in an accident, which renders the current reporting of this account inaccurate. I request that you take the following actions : Remove the negative account reporting : The profit and loss write-off should be removed from all credit reporting agencies as it is no longer valid under the circumstances of the vehicle being sold and totaled. Provide validation and documentation : If you believe this debt or write-off is accurate, I request detailed documentation that justifies the reported balance, including any record of the sale and accident proceedings. Cease all collection efforts : Any attempts to collect this disputed debt must stop immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of information on my credit report. Any failure to correct inaccuracies may expose your company to liability. I demand written confirmation within 30 days of your receipt of this letter that the negative reporting has been removed from all credit bureaus. If this issue is not resolved promptly, I will file disputes directly with the credit bureaus and escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Removal of Profit and Loss Write-Off from Credit Report To Whom It May Concern : I am writing to formally dispute the reporting of a profit and loss write-off on my credit report associated with an account under your management. The vehicle related to this account has been sold and was also totaled in an accident, which renders the current reporting of this account inaccurate. I request that you take the following actions : Remove the negative account reporting : The profit and loss write-off should be removed from all credit reporting agencies as it is no longer valid under the circumstances of the vehicle being sold and totaled. Provide validation and documentation : If you believe this debt or write-off is accurate, I request detailed documentation that justifies the reported balance, including any record of the sale and accident proceedings. Cease all collection efforts : Any attempts to collect this disputed debt must stop immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of information on my credit report. Any failure to correct inaccuracies may expose your company to liability. I demand written confirmation within 30 days of your receipt of this letter that the negative reporting has been removed from all credit bureaus. If this issue is not resolved promptly, I will file disputes directly with the credit bureaus and escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies. Thank you for your immediate 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