vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-03 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:
I am writing a letter to file a complaint in accordance with 15 U.S.C. 1692c of the fair debt collection practices act ( FDCPA ), which governs communication between debt collectors and consumers. I believe that my rights have been violated by these creditors and or debt collectors and I'm seeking your assistance in addressing this matter specifically I have been contacted by collector 's, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX regarding this alleged debt. however, I am concerned that their communication violates the provisions of XXXX, which regulates when and how debt XXXX can contact consumers the XXXX contacted me at an inconvenient time, contacted me after being informed not to do so contacted me at work when i previously requested they not do so in accordance to 15 U.S.C 1692c a debt collector is prohibited from contacting a consumer at inconvenient times or places, and under 15 U.S.C 1692c I have informed the debt collectors that i do not wish to be contacted further. Despite this the collectors have continued to make contact, which I believe constitutes a violation of the law. I kindly request that the CFPB, investigate this matter and take appropriate action to ensure that my rights are protected while I sort out these matters concerning this alleged debt, Thank you for your attention to this issue. I look forward to your prompt response

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 2024-12-03 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:
This letter serves as my final demand regarding the unresolved inaccuracies on my credit report. I have previously disputed the following accounts, yet no corrective action has been taken, and I have not received proper verification as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
This letter serves as my final demand regarding the unresolved inaccuracies on my credit report. I have previously disputed the following accounts, yet no corrective action has been taken, and I have not received proper verification as required by the Fair Credit Reporting Act ( FCRA ).

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 2024-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Mortgage said I had a lapse in insurance so they made an escrow account. There was never a lapse in my coverage and they admitted it. They being the insurance department of Truist. The Escrow department also admitted they made a mistake. All my mortgage payments were going into this so called Escrow account. Being said that, they are saying ImXX/XX/XXXXXXXX  months late on mortgage payments because of this escrow account that should not be there to begin with. Ive asked for supervisor numerous times, caused loss of work because of phone calls on numerous days to rectify this XXXX hours a day caused extreme anxiety and emotional stress simply because nobody can figure out what is going on. It also is effecting my credit report. Nothing was my fault, yet Im the one one suffering with anxiety, emotional distress, numerous phone calls to get this rectified. Still nothing has been resolved and Truist told me to do all the work especially calling the credit bureaus because of their mistake.

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from MOHELA that while my student loans are in administrative forbearance that though the interest is at 0 % there will be interest accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: UT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-03 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: CA

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 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Greenberg, Grant & Richards Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, the owner of this small business signed a contract with XXXX XXXX XXXX that agreed to them helping to file the XXXX ( XXXX XXXX XXXX  ) with the IRS for XXXX and XXXX. That agreement stated that upon any credit or refund being issued to the business, we were to provide XXXXXXXX XXXX  proof of the credit or refund and they would send an invoice for 25 % of the recovered or credited amount. On XX/XX/XXXX, the business email received a " congratulations on the receipt of your XXXX '' email with a dollar amount owed as well as banking information to send payment to. At that time, we responded to said email stating we had no refund or credit notice and to provide proof of this. On XX/XX/XXXX, we called and spoke to XXXX XXXX ( XXXX Account XXXX of XXXX XXXX  ) and XXXX XXXX recapped this conversation in an email. It states " XXXX on our monitoring from the IRS the check was paid towards back taxes and or other IRS penalties back on XX/XX/XXXX. In total, you qualified for XXXX quarters totaling roughly X amount. He directed us to contact the IRS for more information. We did so and no agent was able to see a credit or refund, nor has the business received any notifications by mail directly from the IRS at this time. The email demands then continued coming from Innovation Refunds, specifically XXXX XXXX ( Account XXXX ), and starting XX/XX/XXXX XXXX XXXX from Greenberg, Grant, & Richards began calling both the owner and the owner 's wife ( who is not nor has ever been an owner of the business ). He also stated that XXXX had some proof from the IRS and provided us with a dollar amount owed plus late fees, interest, and collection fees. The same conversation was had with XXXX XXXX to stop calling the owner 's wife, that proof was required by law before demand of payment could be made, and that the IRS was not able to provide us with any credit or refund information so no amount was due at this time. We also asked him to stop calling until said proof was legally provided to us. Phone calls and threats have continued being made to both the owner and his wife, who again has no legal connection to the business. Demands and now threats of " further legal action '' have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MI

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 ( XXXX ), before the end of the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-03 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: MI

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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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 2024-12-03 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: NC

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I was notified by my credit monitoring company XXXX and XXXX that two bank accounts were opened using my SSN within days of each other at XXXX XXXX XXXXXXXX and PNC Bank. I called both banks and was told that they were not able to find an account in their system using my SSN. I reported both to their fraud departments via email including a photo of the XXXX alert. I verified that both appear on my XXXX account, and the notification was genuine. All of our credit is and has been locked, and I placed a fraud alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: MD

Complaint narrative:
This account was charged off on the following date ( XX/XX/year>. ) Since then the account has repeatedly been updated as charged off every month. This is factually inaccurate and misrepresents the true status of the account, violating FCRA 623 ( a ), which requires furnishers to provide accurate and complete information. A charge-off is a one-time event and can not legally be reported as a new event every month.This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Identity theft and account were opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.

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 2024-12-03 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief