vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX Bank of America Account XXXX XXXX Credit Card XX/XX/XXXX XXXX  XXXX XXXX Secured Credit Card The Fair Credit Reporting Act ( FCRA ) and related laws establish clear responsibilities for consumer reporting agencies ( like XXXX and XXXX ) and financial institutions in handling consumer data. Key points include : XXXX. Consumer Privacy : Under 15 USC 1681 602 ( a ), consumer reporting agencies must respect privacy and act fairly and impartially. 
XXXX. Consent Requirements : 15 USC 1681 604 ( a ) ( 2 ) specifies that consumer reports can only be furnished with the written consent of the consumer. 
XXXX. Data Sharing Restrictions : 15 USC 6801 and 6802 ( b ) ( c ) require financial institutions to protect nonpublic personal information and inform consumers of their right to opt-out of data sharing. 
XXXX. Limitations on Reporting : 15 USC 1681 1681c ( a ) ( 5 ) prohibits reporting adverse information older than XXXX years, except for criminal convictions. 
XXXX. Accuracy and Procedures : 15 USC 1681 1681s-2 and 1681e require that only accurate information is furnished and that agencies implement reasonable procedures to prevent unauthorized disclosures. 
XXXX. Opt-Out Rights : Under 12 CFR 1016.7, consumers can opt out of information sharing at any time. 

The individual revokes any prior consent for sharing information with XXXX, XXXX, or other entities and asserts their right to opt-out of reporting services while highlighting alleged noncompliance with these laws.

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 2025-01-07 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  - XXXX XXXX  XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-07 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-07 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
The company Oliphant Financial contacts me repeated several times a day. They also have contacted me on holiday such as XXXX and XXXX XXXX 's XXXX. I have asked them to stop contacting me and they continue to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx. XXXX Date : XX/XX/XXXX To : CFPB Dear XXXX, Re : Unauthorized Sale of Debt Information by XXXX XXXX XXXX XXXXo Portfolio Recovery Associates , LLC I am writing to formally dispute the recent report of a debt being sold to Portfolio Recovery Associates , LLC, XXXX with my XXXX XXXX XXXX XXXXccount. According to the records Ive received, this debt was purchased on XX/XX/XXXX, without my permission to sell or transfer my data to Portfolio Recovery Associates. I assert that this transfer of information violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., both of which govern the unauthorized sale of consumer debt and personal data.

I would like to highlight the following legal precedents that support my argument against the unauthorized sale of my debt : XXXX. FTC XXXX XXXX XXXX XXXX XXXX. In this case, the Federal Trade Commission found that the improper sale of consumer data, without consent, is a violation of privacy rights under federal law. 
XXXX. XXXX XXXX XXXX XXXX, XXXX ( No. XXXX ) In this case, the court ruled that any debt assignment without prior consent from the original consumer is an actionable violation of consumer privacy. 
XXXX. XXXX XXXX Portfolio Recovery Associates , LLC ( XXXX ) In this decision, the court found that the transfer of a debt without proper authorization or consent from the consumer can lead to claims of improper debt collection practices. 
Given these findings, I request that you thoroughly investigate the source of the debt and the transfer to Portfolio Recovery Associates , LLC. Please provide me with any supporting documentation that verifies I gave permission for the sale or transfer of my debt. 
I expect a response from you within the next 30 days. Should this matter not be resolved promptly, I will pursue all available legal remedies to protect my rights. 
Thank you for your immediate attention to this matter. Please feel free to contact me at the above-listed phone number or email address should you need any additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Security Credit Services, LLC
State: TX

Complaint narrative:
In response to CFPB complaint XXXX, you claimed that the attached documents provided were sufficient validation of the alleged debt. However, the original creditor did not verify the information, including the balance you are reporting. This failure to validate the debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, you are reporting XXXX different " Date Last Active '' ( DLA ) entries to the credit reporting agencies ( CRAs ). This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to CRAs must be accurate and consistent. 

Given these violations, I demand that this account be deleted from my credit report immediately. If no corrective action is taken, I am prepared to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Ive made multiple attempts to rectify an alleged debt currently shown as in possession of XXXX XXXX XXXX. The amount shown as owed from the original creditor is 5x the amount of any known potential charges and nearly double that of the card limit. In an effort to ensure there were not fraudulent charges on the account Ive requested MULTIPLE times to have the amount validated. Ive formally disputed the amount and requested proof of amount owed and repeatedly it goes nowhere. 

Jeffersons solution was to sell the debt without notice to yet another debt collector. A fact I only found out about when after MONTHS of attempting to correct and resolve I wanted to settle the account as its continued life being parked on my credit is directly hindering my home purchase ability. 

I received no written notice of the debt sale and have had zero contact from the alleged new debt owners. I only know of the sale due to the notice provided when I yet again attempted to contact XXXX to resolve. Now, because of this absolute joke of a management team Im left in limbo with no way to resolve or remove this from my credit. I still have no proof of the amount owed and even if that werent in dispute there is no way to pay and close the issue due to the mismanagement all around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-07 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  XXXX BALANCED {$480.00}

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 non-monetary relief
Consumer complaint received 2025-01-07 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: OH

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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Mohela concerning their handling of my Loan Discharge applications submitted in XXXX and XXXX of XXXX. Despite the significant time that has elapsed, I have yet to receive any substantive response from Mohela, and it appears they are intentionally stalling the processing of my application. 

Each time I contact Mohela, I am placed on hold for over XXXX hours, only to be subjected to a series of inconsistent responses. On several occasions, Mohela representatives have confirmed the receipt of my application, only to later claim that they can not locate it. This back-and-forth has left me frustrated and without any clear resolution. 

Additionally, Mohela has been deflecting responsibility, instructing me to contact various other agencies, including XXXX and XXXX XXXX, without providing any concrete solutions. They have asserted that the XXXX XXXX XXXX XXXX, the institution in question, is not marked as closed in their system. However, when I contacted XXXX, it was confirmed that the college is indeed closed. This discrepancy suggests a significant lapse in Mohela 's internal systems and coordination. 

The lack of accountability and the continuous redirection between Mohela and other agencies have made it impossible for me to move forward with my application. This situation has not only delayed the process but has also caused unnecessary stress and confusion. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Mohela accountable for their inadequate handling of loan discharge applications. Borrowers should not be left in limbo, especially when they are following the required procedures and seeking the assistance they are entitled to. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 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 2025-01-07 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: SC

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: OH

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 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