vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-05 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX 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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX To Whom This XXXX Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company.

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 2025-01-05 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to viola
tions of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-05 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: WI

Complaint narrative:
I reached out to the credit regarding updating information on my credit report But I was never late with XXXX XXXX XXXX When it clearly shows on my bill I made a payment on XX/XX/year> but Its reports I never made a payment in XXXX which is a lie I also sent them proof of the inaccurate information and they have not updated my credit report or provided me any information on how they verify the information Which is bond laid my rights according to 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Well I know I was paying to get some stuff off my credit and nothing wasn't working like it's suppose to but they was still taking money out my bank account that's why I closed my account and stop giving them money

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 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Year XXXX I received poor services from this company. This company is very dishonest. They charge you a lot of money and are very untruthful about how they will guarantee you that your credit score will increase very rapidly and it's not true at all. This company put me in a bind financially and made things very hard for me as a single father with XXXX children. This company should be punished for its acts. I feel that me and my children deserve those monies back in return. All they do is take your money and you see very small increases in your credit score. Always promoting to find new clients for them sot they can take their money as well. I was paying {$120.00} a month for many years.

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 2025-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Closed/acct status charged off. XXXX written off as of XX/XX/year> Capital One Closed/ acct charged off XXXX written off XXXX as of XX/XX/year> XXXX Closed Acct charged off XXXX written off XXXX All of these companies are committing fraud by not supplying me with a 1099 showing that they have excepted payment yet have persuade collections to receive more payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX Closed/acct status charged off. XXXX written off as of XX/XX/year>XXXX XXXX XXXXXXXX Closed/ acct charged off XXXX written off XXXX as of XX/XX/year> Discover Closed Acct charged off XXXX written off XXXX All of these companies are committing fraud by not supplying me with a 1099 showing that they have excepted payment yet have persuade collections to receive more payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
Over the last 15 years I have been a victim of identity theft and have taken my personal credit very serious. In early XXXX of XXXX after almost 10 years I went to purchase a new vehicle at a dealership in XXXX XXXX Ca XXXX 

Upon the purchase process it was brought to my attention that several addresses were listed that I never lived at. In addition, I noticed an account opened over the internet in or around XX/XX/XXXX. Having no prior knowledge of this account I was forced to contact law enforcement to report identity theft. 

Moving forward and during this process I was forced to file a formal report with the XXXX XXXX Police Department as well as file a affidavit of identity theft with law enforcement along with all three major credit bureaus. In addition, I was informed that there was an account opened under my name completely done over the internet. Furthermore, there was a loan issued under my name in the amount of ( {$65000.00} ) which was identified by law enforcement as forged signatures, depository information was fraudulent and not in my name, and to date no payments have ever been made on the account in question. 

In closing, over the duration of the last eight months I have sent in law enforcement reports, affidavits and all necessary documentation to formally block the account which was opened fraudulently including but not limited to names, addresses, and phone numbers not associated with me. Over the duration of time Experian, XXXX, and XXXX has refused to " Block '' the information. Instead, the credit bureaus continue to send me erroneous letters outlining their investigation but has refused to outline what was or what was not validated. They have refused to follow both State and Federal governing laws. I have requested and demanded for them to follow statue and they have refused.

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 2025-01-05 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:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My issue is with a Mortgage company called Freedom Mortgage. They purchased my loan in XXXX of XXXX, from XXXX. I believe I am being overcharged since they took over my loan. 
In XXXX of XXXX, I had requested the implementation of an escrow account to pay my property taxes with XXXX, in order to spread the property tax payments over a 12 month period. This worked out fine with XXXX. Apparently this was transferred to Freedom Mortgage when they took over the loan account. My issue is this : I am completely up to date on my property taxes, and have paid off my property taxes for XXXX, but I am still being charged an additional fee each month by Freedom Mortgage. The monthly payment due for my principal and interest amounts to {$2100.00}. With the addition of the {$2100.00} Freedom Mortgage is billing me for " property taxes '' -- which again, are already paid off -- I am faced with having to pay {$4300.00}, or have my account become delinquent. I can not afford to pay this amount each month, and it has resulted in late payments as I struggle to come up with the total due. I have contacted Freedom Mortgage in writing and by phone requesting to remove the escrow account, and I was sent a rejection letter on XX/XX/XXXX. I believe this is unfair. I was given the impression that the impound account for property taxes was voluntary, and again, I voluntarily requested it with my previous lender, and I don't understand why I can't cancel it, especially given the fact that I am up to date on my property taxes. I never had any issues with mortgage lenders until I was involuntarily " partnered '' with Freedom Mortgage. Their customer service, communication style and apparently their business ethics leave a lot to be desired.

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 2025-01-05 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: NC

Complaint narrative:
I am a victim of identity theft and there are unauthorized inquiries on all 3 credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
In continued felony retaliation for my complaining to federal regulators, Best Egg wont let me close my account- even though they berated me and screamed at me as a dirty animal because they falsely alleged I was being insolent to the superior XXXX race ( I never insulted the XXXX  race- as falsely alleged by XXXX bank employees ). Nevertheless, because I have been treated like a subhuman dog because Im a person of XXXX - I want to close my account- and Best Egg wont let me. Best Egg is a XXXX hate group masquerading as a financial services company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fair Credit Reporting Act gives the right to dispute inaccurate inquiries and have them removed from my credit report. ( XXXX. ) XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX. ) XXXX XXXX XX/XX/XXXX. ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX. ) XXXX XXXX XX/XX/XXXX. ( XXXX. ) XXXX XXXX XXXX XXXX XXXX. ( XXXX. ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CO

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX {$23000.00} DATE OPENED XX/XX/year> OVER THE PAST 1 YEAR, I HAVE TRIED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, ALL 4 TIMES TRANSUNION VERIFIED, AND ALL 4 TIMES INCORRECTLY REPORTED THE INFORMATION, AND ALL 4 TIMES THEY SHOWED DIFFERENT INFORMATION .I HAVE SUBMITTED ALL DOCUMENTS AND EVIDENCE THAT THIS ACCOUNT WAS NOT OPENED BY ME, SOMEONE STOLE MY INFORMATION AND OPENED THIS ACCOUNT, ALL OTHER CREDIT BUREAUS HAVE ALREADY REMOVED 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