vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention a pressing matter regarding the inaccuracies on my credit report. Despite submitting the XXXX  XXXX bankruptcy discharge documents to your company, I have noticed that my credit report has not been updated accordingly. This oversight has had a significant impact on my financial standing and has hindered my ability to move forward. 

It appears that a thorough investigation was not conducted on my request, as the following accounts have not been reported accurately : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX  # XXXX. These errors have caused undue stress and hardship, as I am unable to obtain a fresh start due to the misleading information on my credit report. 

I implore you to rectify these inaccuracies promptly and update my credit report with the correct information. It is essential that the discharged debt is reflected accurately to ensure fairness and transparency in the reporting process. 

I trust that you will address this matter with urgency and professionalism. Your prompt attention to this issue is greatly appreciated.

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 2025-01-11 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
I recently discovered that my credit card information was stolen, and Ive contacted the relevant agencies, including XXXX, XXXX XXXX, XXXX, and XXXX XXXX, after learning about their data breaches. Despite being part of a settlement for these breaches, the theft has had a significant impact on my credit score, which is now being negatively affected. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The FCRA also mandates that consumer reporting agencies maintain accurate information and resolve disputes within 30 days. 

I am taking all necessary steps to protect my identity and credit, and I appreciate 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 2025-01-11 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: NC

Complaint narrative:
I recently discovered that my credit card information was stolen, and Ive contacted the relevant agencies, including Equifax, XXXX XXXX, XXXX, and XXXX XXXX, after learning about their data breaches. Despite being part of a settlement for these breaches, the theft has had a significant impact on my credit score, which is now being negatively affected. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The FCRA also mandates that consumer reporting agencies maintain accurate information and resolve disputes within 30 days. 

I am taking all necessary steps to protect my identity and credit, and I appreciate your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
I recently discovered that my credit card information was stolen, and Ive contacted the relevant agencies, including XXXX, XXXX XXXX, XXXX, and XXXX XXXX, after learning about their data breaches. Despite being part of a settlement for these breaches, the theft has had a significant impact on my credit score, which is now being negatively affected. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The FCRA also mandates that consumer reporting agencies maintain accurate information and resolve disputes within 30 days. 

I am taking all necessary steps to protect my identity and credit, and I appreciate 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several outdated accounts and inquiries that don't belong to me. I believe that I have been a victim of identity theft. I would like these removed because they affect my family 's ability to obtain new credit and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: SC

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. 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: SC

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. 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX sold information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX amount of bill {$2300.00} collection/chargeoff. Making sure everything followed by law. 

Dispute all XXXX things XXXX. XXXX XXXX / XXXX XXXX. XXXX XXXX XXXX XXXX Bank {$810.00} XXXX/ Speedy XXXX {$450.00} XXXX funding {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
this account doesnt belong to me these need to be removed asap

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

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 2025-01-11 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: CA

Complaint narrative:
I recently noticed that I have 8 late payments on my consumer credit report also an incorrect address. 

ACCT XXXX XXXX XXXX XXXX  # XXXX 8 unauthorized late payments Personal Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian is in clear violation of 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances ( a ) IN GENERAL : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
{ 2 } In accordance with the written instructions of the consumer to whom it relates. 

DID I GIVE YOU WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT? 

furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSION S - Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments an accounts from my consumer report, this agency is in violation of 15 USC 1681.

,

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America Consumer Financial Protection Bureau Complaint On XX/XX/XXXX, I paid off my Bank of America credit card in full, bringing the balance to XXXX. This payment was made in accordance with the statement for the billing cycle of XX/XX/XXXX to XX/XX/XXXX, which was due by XX/XX/XXXX. 
However, I received a letter dated XX/XX/XXXX, stating that there was a past-due balance of {$53.00}. 
I called Bank of America on XX/XX/XXXX, and was informed that the charges consisted of the following : {$18.00} for interest on purchases {$31.00} for interest on balance transfers When I inquired further, Bank of America could not provide a valid explanation as to how interest accrued on a XXXX balance. Specifically : The last purchase made on this account was on XX/XX/XXXX. 
The last and only balance transfer occurred on XX/XX/XXXX. 
I am seeking a clear and valid explanation for how these charges were calculated and why interest was applied after the balance was paid in full. Without such clarification, I do not consider this a valid debt.

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 2025-01-11 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: 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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Collins Asset Group, LLC
State: TN

Complaint narrative:
My personal account for XXXX XXXX. Is owned by another company. A company that I have not signed any agreement with. This was in XXXX. Now I'm on XXXX and I had a officer to serve me court papers to come to court for this bill and the company name i have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have disputed with XXXX two accounts that was not mine provide identity theft form also police report and is till on there no results have been to me I would like for this information to be deleted is causing my credit to drop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
The agency placed information on my credit report regarding a debt that was satisfied 5 years ago. This is the 5th collection agency to contact me regarding the same amount> The company also failed to notify me of the debt or present any signed contract that I have with Consumer Adjustment Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. The accounts are XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX Amount : XXXX -XXXX XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  Amount : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback

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 2025-01-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. The accounts are XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX Amount : XXXX -XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX opened on XX/XX/XXXXXXXX  Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  Amount : XXXX Ive reached out to the companies and havent received any type of feedback

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Ok Remove off my credit cause I have fraud alert on my credit and no is to put anything on my credit reports without verify it's me first Restore my credit points lost Remove from credit Make sure what company is accurate amounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Received {$400.00} offer to open checking account. Offer had my address and name with validity till XXXX XXXXWhen applied for received reply that offer no longer valid. Customer service told me that offer was already used???. I am the only one who lives at this address and I owe the house. The other version was that it was marketing glitch. Was advised to visit local branch. Employees are clueless.

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 2025-01-11 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: CA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief