vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by credit reporting company didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by XXXX. Despite multiple disputes submitted to XXXX, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : XXXX XXXX Account ( XXXX XXXXXXXX ) Conflicting statuses : " Closed at credit grantor 's request '' and " Charged off '' Credit usage shows 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ) Missing payment history from XXXX to XX/XX/XXXX XXXX has not provided any validation documents from XXXX XXXX XXXX XXXX Account ( # XXXX ) Reflects XXXX late payments without clear documentation or explanation Reports a past-due amount of {$160.00}, despite a highest balance of {$190.00} Misleading status : " Closed at credit grantor 's request '' but still reported as past due No documentation validating the account details has been provided XXXX Account ( XXXX XXXXXXXX ) Discrepancies : Account lists a credit limit of {$300.00}, a highest balance of {$0.00}, and " XXXX through Bankruptcy XXXX XXXXNever Late '' Missing payment history from XXXX to XX/XX/XXXX The status shows " Completed investigation of FCRA dispute - consumer disagrees, '' but no substantiating documents were provided As a victim of the Equifax data breach, I believe the inaccuracies may also stem from identity theft or fraudulent activity. 

FCRA Violations : 15 U.S.C. 1681i ( a ) : Experian has failed to delete or verify the disputed information within the required 30 days.

15 U.S.C. 1681e ( b ) : Experian has not ensured maximum possible accuracy in reporting these accounts.

Case Law Reference : In XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit reporting agencies can not rely solely on data furnishers and must conduct their investigations. XXXX has failed to comply with this precedent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: MS

Complaint narrative:
Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by credit reporting company didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by Experian. Despite multiple disputes submitted to Experian, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : XXXX XXXX Account ( XXXX XXXXXXXX ) Conflicting statuses : " Closed at credit grantor 's request '' and " Charged off '' Credit usage shows 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ) Missing payment history from XXXX to XX/XX/XXXX Experian has not provided any validation documents from XXXX XXXX XXXX XXXX Account ( XXXX XXXX ) Reflects XXXX late payments without clear documentation or explanation Reports a past-due amount of {$160.00}, despite a highest balance of {$190.00} Misleading status : " Closed at credit grantor 's request '' but still reported as past due No documentation validating the account details has been provided XXXX  Account ( XXXX XXXXXXXX ) Discrepancies : Account lists a credit limit of {$300.00}, a highest balance of {$0.00}, and " XXXX through Bankruptcy XXXX XXXXNever Late '' Missing payment history from XXXX to XX/XX/XXXX The status shows " Completed investigation of FCRA dispute - consumer disagrees, '' but no substantiating documents were provided As a victim of the XXXX XXXX breach, I believe the inaccuracies may also stem from identity theft or fraudulent activity.

FCRA Violations : 15 U.S.C. 1681i ( a ) : Experian has failed to delete or verify the disputed information within the required 30 days.

15 U.S.C. 1681e ( b ) : Experian has not ensured maximum possible accuracy in reporting these accounts. 
Case Law Reference : In XXXX XXXX XXXX XXXX ( XXXX ), the court ruled that credit reporting agencies can not rely solely on data furnishers and must conduct their investigations. Experian has failed to comply with this precedent.

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 2025-01-02 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX contacted me from ( XXXX ) XXXX the following number of times in regards to a past due bill : XX/XX/XXXX - 3 times as of XXXX XXXX  XX/XX/XXXX - 3 times as of XXXX XXXX XX/XX/XXXX - 3 times as of XXXX XXXX  XX/XX/XXXX - 4 times as of XXXX XX/XX/XXXX - 4 times as of XXXX XX/XX/XXXX - 3 times as of XXXX XX/XX/XXXX - 3 times as of XXXX XX/XX/XXXX - 1 time at XXXX XX/XX/XXXX - 3 times as of XXXX XXXX  It's my understanding that this may constitute harassment.

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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
Midland credit management has XXXX  accounts these are the account numbers XXXX and XXXX my phone has been compromised by a foreign up address and all account activity since XXXX of 2023 was used by this hacker which had all access and account information to do what they did and mock my voice to where it sounded like me and very much so was not me making any purchases I was never in these places physically to make these purchases at any time and second I am requesting how the accounts where established as I do not have card data for any of these accounts .. signed docs that they were signed up by me or what IP phone address was used to obtain these accounts I have called XXXX XXXX they refuse to send them to me referred me to this option as I have requested these in the past and they could not provide them.. my right to ask for these information and now its on my credit as a collection and its not my debt at all what so ever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  I've never applied for credit with these companies Ive tried to get these removed before but haven't had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MO

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-01-02 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
This company did not send me a 1099c form before placing this negative entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Georgia XXXX ] [ XX/XX/year> ] Exeter Finance [ XXXX XXXX XXXX ] [ XXXX, Texas, XXXX ] Re : Account Number [ Insert Account Number ] Dear Exeter Finance, I am writing regarding the above-referenced account, which is listed on my credit report. Please note that this is not a dispute ; rather, I am requesting additional information for clarification and record-keeping purposes. Specifically, I kindly request the following details : XXXX. The exact date of the first delinquent payment on this account. 
XXXX. The exact date when this account was charged off. 

This information is critical for my personal records and to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and ask that you provide this information in writing at your earliest convenience. 

Thank you for your assistance. Please feel free to contact me at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, [ XXXX XXXX ] Let me know if youd like adjustments to this letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Submitted a completed Income-Driven Repayment ( IDR ) application through the Federal Student Aid website. 

XX/XX/XXXX : Federal Student Aid Status Tracker confirmed that my loan servicer received the application. 

Late XX/XX/XXXX : Loan servicer placed my account in forbearance due to the pending IDR application. The application was initially visible in my online account. 

Early XX/XX/XXXX : All mention of the pending IDR application was removed from my online account, despite no communication about the application 's status. 

Multiple times between XX/XX/XXXX and XX/XX/XXXX : Contacted loan servicer to inquire about the application status but received no satisfactory resolution. 

XX/XX/XXXX : Account remains in forbearance with no updates on the IDR application. Concerned that this forbearance will not count towards loan forgiveness under IDR or Public Service Loan Forgiveness ( PSLF ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Date : XXXX/XXXX/XXXX To whom it may concern, I am writing to formally dispute certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 7 ), I am requesting that you reinvestigate these disputed items. According to the statute, you are required to conduct a reasonable reinvestigation and correct or delete any inaccurate or incomplete information.

These items are inaccurate, and I am requesting that they be reviewed and appropriately corrected or removed from my credit report. Please provide me with the results of your investigation as required under FCRA guidelines.

In accordance with 15 USC 1681i ( 7 ), I remind you that you must complete the reinvestigation within 15 days and provide me with a report detailing the results, including any corrections made. Should you fail to meet this deadline or fail to conduct a proper investigation, the following court precedents support my position : XXXX. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court ruled that a consumer reporting agency ( CRA ) has a statutory duty to conduct a reasonable reinvestigation of a disputed item, and failure to do so can result in liability. 
XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court emphasized that CRAs must conduct an independent review and can not rely solely on the information provided by the data furnishers. 
XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case underscores that a CRA is liable under the FCRA for failing to reinvestigate disputed information that is reported inaccurately. 
Additionally, should you fail to conduct a thorough and reasonable investigation, as mandated by the FCRA, I would expect the items to be deleted expeditiously. 
I look forward to receiving your response in a timely manner.

Company response to consumer: Closed with non-monetary relief