vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: KY

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. 2. Reques tXXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 4. Provide me with a written response detailing the results of the investigation and actions taken. Sincerelyn : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: KY

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. 2. Reques tXXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 4. Provide me with a written response detailing the results of the investigation and actions taken. SincerelyXXXX : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: KY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I have report to the Federal Trade Commission and CFPB of a count you have derogatory listed of my consumer profile keeping me from opening new accounts. I have not done business with XXXX XXXX XXXX XXXX there has been a consumer data breach because they mixed up information with a deceased consumer by same name which I have disputed for the last 6yrs. These accounts are verified under Identity Theft with the FTC which is the Report & enclosed below its uploaded, & enclosed with CFPB I'm asking you to remove the accounts from my report now.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2. 
I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately. 
To support my claim, I have attached the following documents : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number  : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) I expect your investigation to comply with the 30-day timeline stipulated under the FCRA. Please provide me with the results of your investigation in writing, and if this item is not corrected or removed, I request a detailed explanation of why it remains on my credit report.

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX closed my case without verifying if what they were reporting was accurate. You also did not allow me to respond. I have my dates mixed up but Wells Fargo is able to see when and where I filed a complaint concerning a XXXX XXXX. It couldve been in XXXX or XXXX of XXXX but it does exist either way. If they were attempting to be transparent they wouldve did their due diligence and checked all claims filed pertaining to XXXX. The transaction amount was actually for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
I am a victim of identity theft I notice a rental property was open in my name without my knowledge or consent and the amount owe is {$16000.00} yes this not my debt I am seeking legal action with the local sheriff department

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: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint to SOFI BANK NA regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the SOFI BANK NA will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Ive sent several disputes also ask all parties claming debt on my account with no confirmation of this debt by law 1692c and 1692g these items should be deleted from my account Immediately also I will be sending a Cease and Desist letter to all third parties collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
According to FCRA section 605 B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar/ Mr. Cooper received a letter of accord and satisfaction and draft note for {$1000.00} which was deposited by XXXX XXXX XXXX XXXX XXXX XXXX Mr. Cooper 's bank provided record stating that no more account exists. This complaint will serve as a PUBLIC NOTICE of BREACH OF AGREEMENT with an opportunity to cure. 

That attached records show the note was deposited on XX/XX/year> forming an agreement. No correspondence was provided in dispute after 60 days for dispute XXXX UCC 3-311 ( c ). 

XXXX XXXX XXXX confirms that this account is closed and XXXX XXXX also confirms that as the Indentured Trustee that they are not the holder in due course. XXXX and XXXX both report that this account is closed but conflicting records are being provided to XXXX. There are several procedural irregularities and inaccurate financial records being shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ Santander Consumer USA ] Account Number : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions, on behalf of XXXX XXXX posted a collection against my personal credit reports in XXXX of XXXX This collection was because of an identity theft. Please find attached a copy of my fraud alert posted with the Federal Trade Commission. This collections needs to be deleted from my credit reports immediately and permanently. I submit this complaint to the credit bureaus that have posted against me as well. I demand that the credit bureaus complete their reinvestigation to delete this collection permanently. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Goldman Sachs has mishandled my account, leading to inaccurate derogatory credit reporting, inconsistent and misleading information from customer service agents, and lack of follow-up from management despite numerous promised callbacks. 

Details of the Issue : 1. Mishandling of Account and Credit Reporting : I enrolled in a special payment plan offered by Goldman Sachs. The terms explained to me during enrollment differ significantly from the reporting on my consumer credit report.

I have maintained excellent payment history since opening my account in XXXX  and have never been 30 or more days late. However, Goldman Sachs is now reporting my account as derogatory upon enrollment into the special program. 
The reporting contradicts assurances given by customer service agents ( the most recent contact being on XX/XX/XXXX ) that as long as no payments failed under the payment plan, my account would NOT be reported negatively. 

2. Inconsistent Information from Customer Service : I have spoken with multiple customer service agents who all have provided conflicting information. It appears there is no clear or consistent understanding of the program terms and there is a lack of training. 

3. Lack of Follow-Up from Management : On XX/XX/XXXX I was assured that I would receive a callback from the Tier 3/Advocacy Team on or before XX/XX/XXXX. This requested escalation was initially entered on XX/XX/XXXXXXXX  by a supervisor as Case # XXXX. I was advised on the XX/XX/XXXX call that if the follow up call is not received by XX/XX/XXXX policy was not followed. As of the submission of this complaint the callback has not been received. 
Additionally it has appears several cases have been opened regarding the same issue, yet none have been resolved. 

I am currently suffering harm by inaccurate reporting : This inaccurate derogatory reporting has caused significant harm to my financial stability and well-being. 
I am currently in the process of closing on a home, and this negative credit reporting is jeopardizing my ability to secure the mortgage, which may ultimately prevent me from closing on the home. 
If I can not close on the home as planned, my family and I face the risk of being displaced. I have spent countless hours on the phone with customer service with no resolution. This situation has created extreme emotional stress and uncertainty, which could have been avoided with accurate reporting and proper follow-up from Goldman Sachs XXXX 

The ongoing mismanagement, lack of accountability, and failure to follow through on promised actions by Goldman Sachs have caused undue financial and emotional hardship. I am requesting the CFPBs assistance to ensure these issues are resolved promptly and that Goldman Sachs is held accountable for their actions.

Company response to consumer: Closed with explanation