vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681-5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Disputed Personal Information I have identified that the following personal information on my credit report is incorrect and inaccurate : ( Incorrect ) Date of Birth : [ XXXX ] Correct Date of Birth : [ XX/XX/XXXX ] ( Incorrect ) Full Name : [ XXXX XXXX ] Correct Full Name : [ First : XXXX XXXX : XXXX last : XXXX ] ( Incorrect ) Address : [ XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX ] Correct Current Address : [ XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( Incorrect ) Employer ( s ) : [ - ] Correct Employer ( s ) : [ XXXX  XXXX ] This incorrect personal information, coupled with the aforementioned inaccurate account details, must be updated immediately to ensure compliance with FCRA standards.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Closed Account by Capital One Dear Sir/Madam, I am writing to file a formal complaint against Capital One for incorrect reporting of a closed account. I have reviewed my credit report and discovered that Capital One is reporting an inaccurate balance and late payment history for an account that has been charged off. Specifically, the account is being reported as having a balance and showing XXXX and XXXX  days late, even though under the Fair Credit Reporting Act ( FCRA ) Section 1681, a charged-off account should not be reporting a balance or late payment statuses. 

Below are the details of the account in question : Creditor Name : Capital One Account Number : XXXX ( partial number for privacy ) Account Type : Charged-Off Account Reported Issues : The account continues to show a balance despite being charged off. 
It reports late payment statuses ( XXXX  days, XXXX days ) on a charged-off account, which is in violation of FCRA regulations. 
Under the provisions of the FCRA, once an account is charged off, it should no longer show a balance or any late payment indicators. I believe that Capital One is in violation of this rule, and as a result, this is impacting my credit report inaccurately. 

I kindly request the Consumer Financial Protection Bureau to investigate this issue and ensure that Capital One corrects this error by removing the balance and late payment reporting from the charged-off account as required by law. 

Please let me know if further information is needed from my side to assist in resolving this issue. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-08 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: NV

Complaint narrative:
I HAVE BEEN VICTIM OF IDENTITY THEFT FOR OVER A DECADE NOW. I CHECKED MY CREDIT REPORT, AND I NOTICED THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES ON MY CREDIT REPORT CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY PURSE WHICH HAD MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST AT MY XXXX  CELEBRATION AT MY HOME AND NEVER RECOVERED . THESE TRANSACTIONS ARE THE RESULT OF IDENTITY
THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT.

FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
By written notice dated XX/XX/year> IC Systems claiming to be licensed debt collector claimed complainant owed a AXXXX XXXX XXXX  debt in sum of {$410.00}. In response, complainant requested billing statements including contract agreement, and denies the debt. In response IC Systems furnished a purported account summary ( copy included and incorporated herein by reference, made part hereof with force and effect as though fully set forth in XXXX XXXX ). Said account summary is completely vague and ambigious and completely insufficient to establish and support validity of purported debt. 
As herein after indicated, complainant has filed complaint in the matter with the XXXX XXXX XXXX XXXX Attorney. Said complaint remains unresolved & b pending.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Hard Inquiry by XXXX ( XXXX XXXX ) Issue Description : On XX/XX/year>, I visited the XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, intending to apply for a loyalty card. However, due to an error by the store associate, an application for a credit card was submitted in my name without my consent. This resulted in a Hard Inquiry being recorded on my credit report, which I did not authorize. 

This inquiry was initiated by XXXX ( XXXX ) and has negatively impacted my credit score. I never provided permission for this credit check to be conducted. I have repeatedly attempted to contact both XXXX XXXX and XXXX to resolve this issue, but I have not received any response. 


Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX : XXXX Email : XXXX Attachments : XXXX. Screenshot from XXXX XXXX showing the Hard Inquiry ( XXXX ). 
XXXX. Copy of the letter sent to XXXX XXXX. 

Thank you for your attention, and I look forward to a prompt resolution of 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 2025-01-08 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: FL

Complaint narrative:
To : Consumer Financial Protection Bureau Dear CFPB, I am writing to file a formal complaint regarding [ XXXX ] and its improper handling of my car title loan account, which has led to inaccurate credit reporting and possible violations of consumer protection laws. 

Details of the Issue : XXXX and XXXX XXXX : I took out a title loan with [ XXXX  XXXX ] My vehicle was repossessed due to non-payment, and it was sold at auction. 
After the repossession, I was informed that my loan balance was [ incorrect balance, e.g., {$11000.00} ], which is inconsistent with the original loan terms and payments made. 
Incorrect Credit Reporting : [ XXXX XXXX XXXX XXXX ] is inaccurately reporting my account as being late for XXXX, XXXX, XXXX, and XXXX  days, even though these payments were either made or the account was improperly processed after the repossession. 
Under the Fair Credit Reporting Act ( FCRA ), inaccurate or misleading reporting is prohibited. This incorrect reporting is violating my rights under 15 U.S.C. 1681b, which requires accurate and complete reporting to credit agencies.

Possible Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681b, a credit reporting agency or a lender must ensure the accuracy of reported information, which has not occurred in my case. 
The loan company has failed to properly update or correct the reported information after the vehicle was repossessed, and they are still reporting false late payments. 
Violation of the Truth in Lending Act ( TILA ) : According to the Truth in Lending Act ( TILA ), the terms of the loan must be clearly disclosed to the borrower, including any changes after the repossession, and accurate statements of the balance. 
My balance after repossession is inaccurately reported as much higher than it should be, which suggests potential violations of the law under TILA.

Request for Resolution : I request that the CFPB investigates the following : That [ XXXX XXXX ] corrects the incorrect balance and payment history reported to the credit bureaus. 
That any inaccurate reporting of my loan account is removed or corrected to reflect the proper status after repossession. 
A review of the title loan company 's practices to ensure they are compliant with the Fair Credit Reporting Act and the Truth in Lending Act. 
Additional Documentation : Attached are the following documents to support my claim : Loan Agreement Repossession Notice Auction Sale Information Copies of my credit reports showing incorrect reporting I would appreciate your prompt attention to this matter and look forward to your assistance in resolving these [ 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 2025-01-08 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: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Those account is huying my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Those are the items I am asking you to verify as accurate. 
XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXXXXXX Account number # XXXX XXXX. Account number # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Those account is huying my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Those are the items I am asking you to verify as accurate. 
XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXXXXXX Account number # XXXX XXXX. Account number # 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-08 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: TX

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 2025-01-08 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: MO

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 non-monetary relief
Consumer complaint received 2025-01-08 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: MO

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 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I called Aidvantage on Monday, XX/XX/year>, on or around XXXX XXXX PST. I spoke to a female customer service representative named XXXX XXXX. She was nice and professional. However, I asked to speak with a supervisor regarding previous agents engaging in call-avoidance and violating hold procedure. I respectfully declined to provide my personally identifiable information ( " PIl '' ) to XXXX XXXX. 
While attempting to get a supervisor pursuant to my request, XXXX XXXX brought it to my attention that supervisor XXXX XXXX refused to take my call unless I provided my PIl to authenticate my account. Supervisor XXXX XXXX engaged in call-avoidance and violated policies and procedures. Student loan borrowers are not required to authenticate or verify their account in order to speak with a supervisor. Customer service agents are required to ask and attempt to authenticate the account, however, again, the borrower is not required to provide account details in order to be transferred to a supervisor. I had a valid complaint to bring to the attention of a supervisor regarding agents engaging in, among other things, call avoidance. Because XXXX XXXX refused to do his/her job, I was forced to disconnect and call back in order to get to a supervisor ; causing an undue delay and wasting company time. I called back and spoke to a supervisor who took my call without account verification without issue. I seek to hold XXXX XXXX accountable. Please reprimand or terminate XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number XXXX XXXX XXXX XXXX XXXX - Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: 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.

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation