vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to file a complaint against Experian for their failure to provide any proof of validity or factual record in response to my inquiries regarding my credit report, and for their treatment of inaccurate or unverifiable information. I have made multiple requests for this information, but have yet to receive a satisfactory response. As a consumer, I have a right to access and review my credit report, and to dispute any inaccuracies or errors that may appear on it. However, without proper validation and factual documentation, I am unable to verify the accuracy of the information on my credit report. In accordance with the Consumer Financial Protection Bureau regulations, if after investigation, an item of information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency is required to promptly delete that item of information from the file of the consumer. I am requesting that Experian immediately provide the necessary proof of validity and factual record in response to my inquiries, and that any inaccuracies or errors on my credit report be promptly corrected and deleted as per the above regulation ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Furthermore, I am requesting that the Credit Bureau investigates and takes appropriate action against Experian for their failure to comply with the regulations as described by the Consumer Financial Protection Bureau. Thank you for your attention to this matter. Sincerely, 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 2024-12-17 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
EXPERIAN XXXX and XXXX all three company 's will not do anything.. I have accounts that are reporting that I have asked to be removed either closed or I never use or still reporting after I request to be removed they won't remove them but change the way they appear or make the accounts stay longer on my reports they won't or understand the law or statue of limitations of items my credit with all three have been in many credit breaches and credit inquiries that I never authorized I have a fraud freeze and locked and still they won't remove delete but change the history and change how they report also they change how many years it will remain

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 2024-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
I received a CashApp card in the mail on XXXX that I never requested. I called the company and filed a report and asked them to close the account and flag it for fraud. They said that I needed to complete the request via secure email. I did what they asked- but did not provide any personal information. They are now saying they are not responsible for closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Charged off XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint against TransUnion for their failure to provide any proof of validity or factual record in response to my inquiries regarding my credit report, and for their treatment of inaccurate or unverifiable information. I have made multiple requests for this information, but have yet to receive a satisfactory response. As a consumer, I have a right to access and review my credit report, and to dispute any inaccuracies or errors that may appear on it. However, without proper validation and factual documentation, I am unable to verify the accuracy of the information on my credit report. In accordance with the Consumer Financial Protection Bureau regulations, if after investigation, an item of information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency is required to promptly delete that item of information from the file of the consumer. I am requesting that TransUnion immediately provide the necessary proof of validity and factual record in response to my inquiries, and that any inaccuracies or errors on my credit report be promptly corrected and deleted as per the above regulation ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Furthermore, I am requesting that the Credit Bureau investigates and takes appropriate action against TransUnion for their failure to comply with the regulations as described by the Consumer Financial Protection Bureau. Thank you for your attention to this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
So this issue was due to my phone/laptop was stolen and hacked into, I contacted Paypal regarding this matter and I was told I need to change my password to the account which is what I did. This person stole {$2200.00} from my grandmother and my devices cost well over {$2500.00}. I have zero contact with these people now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a Bankruptcy  that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

Bankruptcy  Experian Reference # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. 

XXXX. Court Name : o Experian lists : US BKPT CT XXXX XXXXXXXX ( likely US BANKRUPTCY COURT XXXX XXXXXXXX is intended ). 
o The name appears truncated or misspelled. 
o XXXX : NONE 2. Date Filed/Reported Discrepancies : o Experian : XX/XX/2015 o XXXX : XX/XX/2015 o XXXX : XXXX o This inconsistency suggests the reported dates may be inaccurate or unverifiable. 
XXXX. Reference Numbers : o Experian Reference : XXXX o XXXX XXXX : XXXX o XXXX : NONE o The reference numbers are inconsistent between bureaus, raising doubt on the reliability of reporting. 
XXXX. Closing Date Missing for XXXX : XXXX XXXX does not display a Closing Date while Experian lists it as XX/XX/2015. 
XXXX. Dollar Amounts : o Both bureaus list {$XXXX} for Asset Amount, Liability, and Exempt Amount, which might suggest incomplete or unverifiable information. 
o If a bankruptcy  was filed and discharged, there should be values associated with assets and liabilities. 
XXXX. General Formatting Issues : o Some data is misaligned, such as Remarks not showing additional context.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
Can u send the data validation an all records on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$XXXX} XXXX  XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$XXXX} Chargeoff XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/closed XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2024-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A hard inquiry was placed on my credit report due to fraudulent activity. Someone tried to open a credit card account without my knowledge through Capitol One Bank. 
CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX I am attempting to get this hard inquiry removed from my Trans Union credit report XXXX 
My credit report is indicating that XXXX XXXX removed the hard inquiry then added it back to my credit report on on XX/XX/year> This hard inquiry was removed from my XXXX credit report and I am requesting that XXXX XXXX do the same due to identity theft and fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
am currently in default on my VA mortgage loan. I have requested assistance from Flagstar Bank and requested that my loan be sent over for the XXXX review with the VA. I was told in XXXX that the servicer needed to be set up to send over reviews to the VA. I was told to call back later and request a XXXX review. I was also told that they could offer no other loss mitigation options. I called back several times and requested a XXXX review. No response. I was told the load was sent to the VA in XXXX for a XXXX review. I have never spoken with or received a call from my SPOC regarding my mortgage loan or the status of my XXXX review. I called XXXX on XX/XX/year> and requested an update. Unfortunately, they could not provide any status update and told me they do not see when the load was sent to the VA for the XXXX review. I asked for my XXXX name, and when they were going to call me, there was no response. I logged into my portal today and saw that my loan was transferred to XXXX XXXX XXXX XXXX  during my loss mitigation review for the VA XXXX program. However, as I was previously told, the loan was never sent to the VA for a XXXX review. 

Why haven't I spoken to my SPOC throughout this entire process? 
Why has my loan yet to be sent to the VA XXXX program? 
I am a XXXX veteran, and I can't seem to get my loan appropriately serviced. On top of that, the loan has been packaged for sale, and I will have to start again with another lender. 

Flagstar hasn't followed the appropriate protocols to service my loan through this loss mitigation process. 

I want to be reviewed for the XXXX program or any loss mitigation options which will help me stay in my forever home.

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 2024-12-17 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$55000.00} - Chargeoff 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 2024-12-17 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account # 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