vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
Company : XXXX  Issue : Unlawfully Verified accounts I am writing to file a complaint against XXXX regarding incorrect information on my credit report. Despite multiple attempts to resolve this issue directly with XXXX, the following fraudulent accounts remain on my report : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX These accounts were opened as a result of identity theft during the XXXX data breach in 2017. My personal information was compromised, and I have been dealing with the consequences ever since. I have provided XXXX with a police report, a notification from XXXX about the data breach, and other relevant documentation to support my claim, but the accounts have not been removed. 

Additionally, XXXX has fraudulently verified this incorrect information after several attempts to dispute these accounts. This has caused significant damage to my credit score and has been a source of ongoing stress and inconvenience. 

I request that the CFPB investigate this matter and ensure that XXXX removes these fraudulent accounts from my credit report. This issue has negatively impacted my credit score and caused significant stress and inconvenience. 

Thank you for your attention to this matter.

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 2025-01-13 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: IL

Complaint narrative:
Company : XXXX  Issue : Unlawfully Verified accounts I am writing to file a complaint against XXXX regarding incorrect information on my credit report. Despite multiple attempts to resolve this issue directly with XXXX, the following fraudulent accounts remain on my report : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX These accounts were opened as a result of identity theft during the XXXX data breach in 2017. My personal information was compromised, and I have been dealing with the consequences ever since. I have provided XXXX with a police report, a notification from XXXX about the data breach, and other relevant documentation to support my claim, but the accounts have not been removed. 

Additionally, XXXX has fraudulently verified this incorrect information after several attempts to dispute these accounts. This has caused significant damage to my credit score and has been a source of ongoing stress and inconvenience. 

I request that the CFPB investigate this matter and ensure that XXXX removes these fraudulent accounts from my credit report. This issue has negatively impacted my credit score and caused significant stress and inconvenience. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request validation of the debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a communication from your office regarding an alleged debt, and I wish to ensure the validity and accuracy of this claim before proceeding further. 

To facilitate this process, I respectfully request that you provide the following : Proof of Assignment or Ownership : A copy of the original assignment contract or agreement that demonstrates your legal right to collect this debt. 

Complete Payment History : A detailed and itemized statement of the entire payment history, including any charges, payments made, and any applicable interest or fees. 

Proof of Debt Sale : Documentation outlining any sale or transfer of this debt, including references to the specific laws or agreements under which the sale or transfer was conducted. Please include evidence that the sale or assignment was in compliance with applicable state and federal laws. 

Cease and Desist Request : I request that you cease all communication with me until the requested documentation is provided, as allowed under 15 U.S.C. 1692c ( c ).

Additionally, please confirm whether your organization or any affiliated entities have sold or transferred my information to any third parties, including credit buyers, and provide details of such transactions if applicable. 

This letter is not a refusal to pay but rather a formal request for validation of the alleged debt. Please note that any attempt to report this debt to credit reporting agencies without proper validation may constitute a violation of the FDCPA and other applicable laws. 

In accordance with the FDCPA, I expect a response within 30 days from the date you receive this letter. If you fail to provide the requested validation, I will consider this matter resolved and any further collection attempts unauthorized. 

Please address all correspondence related to this matter to the mailing address provided above. Thank you for your prompt attention to this request. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
[ XXXX XXXX ] [ XXXX : XX/XX/year> ] [ XXXX : XXXX ] [ Equifax XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX GA XXXX ] Subject : Dispute of Late Payments on Account - Demand for Late Payment Deletion To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for XXXX XXXX XXXX XXXX account number XXXX XXXX ]. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I request immediate investigation and verification of the accuracy and legality of the reported information. Grounds for My Dispute : 1. 15 U.S.C. 1681 ( a ) ( 2 ) : The term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. Any reported payment history must comply strictly with the legal definitions provided by this section. 2. 15 U.S.C. 1666b : A creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement, including the information required under 15 U.S.C. 1637 ( b ), is mailed or delivered at least 21 days before the payment due date. I demand proof, such as a tracking number or proof of delivery, showing that such notice was mailed or delivered to me in compliance with this statute. Additionally, provide a copy of the notice itself. 3. 15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information in credit reports. In the absence of evidence verifying the accuracy of this late payment report, it must be deleted immediately to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-13 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: OH

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
XXXX has my student loans on my report as negative and late payments. They have XXXX on there which I never owed because it was always in forbearance, and now the company isn't even operating and it's still on my credit XXXX as a late payment and that's not accurate. 

XXXX XXXX is also inaccurate as I consolidated all of my loans, and I owe nothing on the loans, this information is all inaccurate. 

XXXX is inaccurate as I have proof that I closed the account and sent over the information to them and the balance is still on my account. XXXX XXXX XXXX states that I owe them and that is also inaccurate information, it is not my account, XXXX in the amount of {$710.00} I have a medical bill on my credit that I also do not owe and have disputed and they still report it as mines. XXXX in the amount of {$830.00} The US department of EDUCATION IS also all inaccurate as I have consolidated and this information is not correct on my credit XXXX Please note that these negative marks are found on my credit reports on all XXXX  credit unions including XXXX and Equifax as well. The fair credit reporting act along with the local state laws, require fairness on my reports to which they have not been fair or accurate. 

THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX has my student loans on my report as negative and late payments. They have XXXX on there which I never owed because it was always in forbearance, and now the company isn't even operating and it's still on my credit XXXX as a late payment and that's not accurate. 

XXXX XXXX is also inaccurate as I consolidated all of my loans, and I owe nothing on the loans, this information is all inaccurate. 

XXXX is inaccurate as I have proof that I closed the account and sent over the information to them and the balance is still on my account. XXXX XXXX XXXX states that I owe them and that is also inaccurate information, it is not my account, XXXX in the amount of {$710.00} I have a medical bill on my credit that I also do not owe and have disputed and they still report it as mines. XXXX in the amount of {$830.00} The US department of EDUCATION IS also all inaccurate as I have consolidated and this information is not correct on my credit XXXX Please note that these negative marks are found on my credit reports on all three credit unions including Experian and XXXX as well. The fair credit reporting act along with the local state laws, require fairness on my reports to which they have not been fair or accurate. 

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 2025-01-13 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: GA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: RI

Complaint narrative:
they are playing games for 3 months now. they keep sending back disputes in a plain envelope and dont say anything, my proof of ID was cyrstal clear. They accepted the same info for some disputes, but not for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Problems with the bank. Wellsfargo checking and home loan

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 2025-01-13 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: VA

Complaint narrative:
XXXXXXXX XXXX was paid in full by my car insurance company when my vehicle was totaled. They however reported a false balance to experience which was constantly disputed. When disputing the account Experian in a matter of less than two days sent an email stating the completion of the investigation. Experian could not have properly investigated 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX According to the provisions of the Fair Credit Reporting Act, please remove these items from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-01-13 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: LA

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 EQUIFAX 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 an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have rewards dollars that I wanted to use direct deposit into my checking account. Their website requires that the only way to accomplish this is to call them since they do not allow to do this online. I have called them 6 times to accomplish this ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XXXX. 

The first call I gave them all the information for my checking account, including routing number and account number. The next call I was told that I needed to wait 10-14 business days. The next call I was told that I needed to wait 90 days before accessing the funds. The next time was to again give them my routing and bank account number. The next time was to again supply them with those numbers and the final time I requesting a supervisor ( XXXX XXXX who could not explain why the funds were never deposited and assured me that they would be deposited into my account no later than XX/XX/XXXX. I provided again the routing and account numbers and again the funds were never deposited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
18 U.S.C 884- Collection of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both

Company response to consumer: Closed with non-monetary relief