vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I disputed the Comenity BankXXXX XXXX account XXXX XXXX, XXXX, and XXXX in XX/XX/scrub> 2024, as the information reported is inaccurate, unverifiable, and contradictory across all bureaus. The credit bureaus verified the account as accurate without proof from Comenity, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Discrepancies & Violations : Conflicting Account Open Dates and Last Activity Dates The open dates and last activity dates reported by Comenity do not match across all three bureaus, creating confusion and inaccuracies in my credit file. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) - Accuracy of Information Different Payment History Across Bureaus The payment history is inconsistent between XXXX, XXXX, and XXXX. Some months show on-time payments, while others incorrectly reflect late payments. 
Violation : FCRA 607 ( b ) - Maximum Possible Accuracy Conflicting Date of First Delinquency ( DOFD ) Comenity reports different DOFDs across credit bureaus, affecting how long this negative item remains on my credit report.

Violation : FCRA 605 ( c ) - Illegal Re-Aging Charge-Off Amount Inconsistencies Comenity lists conflicting charge-off amounts across bureaus. If the debt was charged off, it should reflect the same balance across all reports.

Violation : FCRA 623 ( a ) ( 5 ) - Misleading Reporting Failure to Provide a Method of Verification ( MOV ) When I disputed this account in XX/XX/scrub> 2024, Comenity failed to provide proof that the debt is valid or how they verified the accounts accuracy. 
Violation : FCRA 611 ( a ) ( 7 ) - Right to Method of Verification Transfer of Debt to XXXX XXXX XXXX Without Proper Validation This account was later sold or transferred to XXXX XXXX XXXX, which is now reporting conflicting information about the same debt. 
If the debt was sold, Comenity no longer owns it and should not be reporting conflicting balances or statuses. 
Violation : FCRA 623 ( a ) - Duty to Report Accurate Information Continued Reporting After Transfer to a Debt Collector If Comenity charged off and sold the account, they can not continue to report an outstanding balance after the sale. Only one entity can report the debt at a time.

Violation : FCRA 623 ( a ) ( 5 ) - Reporting of Outdated Information This account was previously disputed with the CRAs in XX/XX/year>2024, and no proper validation was provided by Comenity. 
The credit bureaus failed to investigate properly and instead " verified '' inaccurate information in violation of the FCRA. 
The account was later sold to XXXX XXXX XXXX, yet Comenity continues to report inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Have called several times trying to access my online account. The bank is saying in need to have the full account number which can be found on the statement but I only get online statements and I have been locked out of my online account and they can not verify my info with name or SSN they need the full account number or atm card number which I lost. I can not get a replacement arm card because I do not know the full account number. I was told I would need to send a letter or go into a branch location. They do not have any branch locations close to me at all.

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 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Dear I C SYSTEM, I am a victim of a data breach and possible identity theft. Under 15 U.S.C. 1681c-2 ( a ), I formally request the blocking and deletion of all accounts associated with my personal information that were fraudulently created or accessed. 

Please confirm the deletion of these accounts and any further steps I need to take. I am happy to provide any necessary documentation to verify my request. 

You can reach me at XXXX or ( XXXX ) for further communication. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-06 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: PA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XXXX I have wired {$1400.00} from my bank XXXX XXXXXXXX XXXX to Citibank to pay a bill there was some issue with the payment and Citibank returned the fund apparently without enough information to refund the money to my account, my bank requested for information and they did not receive any respond, so my bank return the money back to Citibank, since then roughly every week my bank is requesting to recall the fund but they have not received any respond yet. I have gone to Citibank with all the documents ( email and all XXXX  number and all info that I have got from my bank, They did gave a number to call that after two hours waiting and getting connected from one departments to another I was able to talk to somebody in sending the wire and she said I get the information but no grantee which still I have not received any respond yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am requesting the immediate removal of inaccurate personal information and unauthorized transactions from my credit report. The presence of incorrect data and unverified accounts on my report is negatively impacting my financial standing and creditworthiness. These inaccuracies may result in denied credit applications, higher interest rates, and overall financial hardship. 

It is crucial that my credit report accurately reflects my financial history to ensure fair and proper evaluation by lenders, employers, and other entities. Inaccurate reporting can lead to unjust consequences, including difficulties securing loans, renting housing, and obtaining favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IN

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate and fraudulent information on my credit report. Although I was compensated as part of the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for inaccurate reporting, my credit report still contains errors, including unauthorized inquiries and an incorrect address. 

Specifically, I have identified fraudulent inquiries on my report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of these inaccuracies. I demand a thorough investigation and the immediate removal of all unauthorized or erroneous inquiries. 

Additionally, my correct address is : XXXX XXXX XXXX, XXXX, XXXX XXXX. 

My credit report currently lists an inaccurate address, which must be updated to reflect my actual residence. Please correct this immediately and provide written confirmation once the changes have been made. 

Issues to Be Addressed : Fraudulent Inquiries My credit report reflects multiple unauthorized inquiries that I did not initiate. Under the Fair Credit Reporting Act ( FCRA ), I demand a full investigation and the immediate removal of these fraudulent inquiries. 
Incorrect Address My credit report lists an inaccurate address. My correct and current address is : XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Please update my records accordingly and provide written confirmation of this correction. 
Legal Notice : As you are aware, XXXX has already been sued by the for issues related to inaccurate reporting. If these inaccuracies are not corrected promptly, I will escalate this matter further, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies Thank you for your prompt attention to this matter. I look forward to your resolution of these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
I am writing to inform you that I am a victim of the data breach that occurred within your system, and I am requesting that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ), which provides that accounts impacted by a data breach may be blocked and removed from consumer reports. 
Please find my personal information below for your reference : XXXX XXXX XX/XX/year> XXXX I am requesting that you take all necessary steps to immediately block and delete any and all accounts related to my personal information that were exposed during the breach, as required by law. I would also appreciate a confirmation of receipt of this letter and notification when the necessary actions have been completed. 
If you require any additional documentation to process this request, please inform me at your earliest convenience. I trust that Equifax will take the appropriate actions to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: TX

Complaint narrative:
On XX/XX/year> Bmg Money has marked my account late which is not late, this company is known for falsifying information on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I am reaching out to express serious concerns about inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are negatively affecting my financial stability, and I need your immediate assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: NC

Complaint narrative:
AmeriNat stateded that l owe XXXX on my loan from last year. This is not true because l paid everything. They upped my payment to {$620.00} and said that was the new payment. This amount went from {$560.00} to now {$620.00}. I have receipts for everything last year. Why is my payment going up if my insurance was covered. Please write me a document in writing explaining how do l owe this. I want them to stop saying that l owe, without explaining how in writing. I have emails asking for this information and was ignored.

Company response to consumer: Closed with explanation