vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint against experian and XXXX regarding fraudulent and inaccurate account reported on my credit file i contacted the company and the bureaus and asked questions and requested contracts and documents to know at least what this account is and to know who opened it. This account was opened without my knowledge or consent, and they are in a lot of violations and inaccurate and constituting identity theft and violations of federal and state laws. I am requesting immediate enforcement action under the authority of the Consumer Financial Protection Bureau ( CFPB ) to have these accounts removed, blocked, and properly investigated. 

Violations of Federal Laws : Failure to Notify ( 15 U.S.C. 1692g ) : Creditors are required to provide written notification of debts within five days of reporting. No such notification was provided, rendering these accounts illegitimate.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Credit bureaus are mandated to ensure maximum accuracy in reporting. Discrepancies in balances, credit limits, open dates, and payment histories indicate violations.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Credit bureaus must complete investigations within 30 days. My disputes remain unresolved beyond this timeframe. 

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Credit bureaus must reinvestigate disputes upon request. My requests were inadequately addressed.

Failure to Protect Personal Information ( 15 U.S.C. 6801-6809 ) : Under the Gramm-Leach-Bliley Act, financial institutions and credit bureaus must safeguard consumer data. A breach in security has evidently occurred.

Identity Theft Protections Violated ( 18 U.S.C. 1028 ) : Fraudulent accounts violate federal protections against identity theft under the Identity Theft and Assumption Deterrence Act.

Failure to Provide Resources ( 15 U.S.C. 1681g ( e ) ) : Credit bureaus must provide victims of identity theft with resources, fraud alerts, and support, which were not offered.

State Law Violations ( Florida Statutes ) : Fraudulent accounts violate Floridas identity theft protections. 

Fraudulent Account Details : XXXX XXXX Account Number : XXXX Issue : Fraudulent and unauthorized account with discrepancies in payment status, open dates, and reporting across credit bureaus. Notification was not provided.

Laws Violated : 15 U.S.C. 1681, 1692g ; FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ).

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 2025-01-04 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: NY

Complaint narrative:
Here 's a draft of your complaint to the CFPB against Experian regarding their failure to follow suit, complete an investigation, and accurately report your account : -- - Consumer Financial Protection Bureau ( CFPB ) Complaint Against Experian Date : XX/XX/XXXX Subject : Formal Complaint Regarding Experian 's Violation of FCRA Laws Dear CFPB, I am submitting this formal complaint regarding Experian 's failure to meet the requirements of the Fair Credit Reporting Act ( FCRA ) in handling a credit dispute I filed. Below are the key details of my complaint : On XX/XX/XXXX, I submitted a formal dispute to Experian regarding a particular account on my credit report. I pointed out that XXXX had deleted the account in question following my dispute, in line with FCRA guidelines.I referenced the FCRAs provision that if one credit reporting agency ( CRA ) deletes an account, the other CRAs must follow suit. This is a well-established practice under FCRAAs of XX/XX/XXXX, it has been well over 30 days since I submitted my dispute to Experian, yet I have not received any results of their investigation as required under the FCRA.Additionally, the account in question continues to be inaccurately reported on my Experian credit report, despite the fact that XXXX has already removed it. This not only contradicts the FCRA guidelines but also further compounds the inaccuracies on my credit Failure to Complete an Investigation in 30 Days : According to the FCRA, credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. Experian has violated this requirement by failing to provide me with the results of their investigation.Failure to Follow Suit : Since XXXX has already deleted the disputed account, Experian is obligated under the FCRA to take the same action and delete the account. Their failure to do so constitutes a violation of the FCRAs requirement to report accurate and consistent information across all credit reports. 
Reporting Inaccurate Information : Despite the fact that XXXX has already removed the account, Experian continues to inaccurately report this account on my credit report, further violating the FCRAs mandate that all reported information be accurate.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2025-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: First Technology Federal Credit Union
State: MS

Complaint narrative:
I was denied a payment extension and I am continued to be harassed by phone calls and text messages from First Tech after I have requested no phone calls or texts.

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 2025-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This dept is considered a charge off however this is actually considered an income and I should have received a 1099C in order to account for this as income. This is not a charge off. I am requesting that this is removed because it is not a debt. This is considered income and should not be reporting on my credit report. This vehicle in question was sold at the auction for more than the amount that theyre stating owed. The full lease on this account was paid for the charges that are showing up or after the fact charges that was placed on the account And Im requesting for this company to send me a 1099C!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.

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 2025-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

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 2025-01-04 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: FL

Complaint narrative:
I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hello XXXX, Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/year>. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 


Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Regards, Account Specialist | Venmo This is the email I got after I requested my money be released. Venmo froze my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX ok and 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 2025-01-04 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:
-- - [ XXXX A XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX **Subject : Formal Complaint Regarding Mishandling of My Credit File** To Whom It May Concern, I am writing to formally file a complaint regarding the willful and malicious mishandling of my credit file, which has resulted in a detrimental loss of XXXX points on my credit score. This significant decline can be directly attributed to TransUnions failure to report my credit accounts accurately and in a timely manner, specifically pertaining to my account with XXXX. 

XXXX has reported three months of on-time payments to TransUnion, as well as to the other major credit bureaus : XXXX and XXXX. I have received consistent correspondence from XXXX confirming my good standing, which can be corroborated through my credit files with XXXX and XXXX. Despite my repeated attempts to relay this information to TransUnion, the inaccuracies in my credit file persist, leaving me with no resolution. 

The willful non-compliance in reporting the XXXX tradeline in a timely manner has resulted in the combined reporting of my credit account months after the actual payments were made. This egregious delay not only undermines my creditworthiness but directly impacts my financial opportunities, as my credit score has not had the chance to recover from prior infringements that TransUnion has perpetuated. 

Given the circumstances, I feel that this situation warrants immediate attention and corrective action. I respectfully request that TransUnion take the following actions : 1. Promptly investigate the inaccurate reporting and update my credit file to reflect the correct, timely payments made to XXXX. 
2. Issue a re-evaluation of my credit score considering the corrected information to reflect my true creditworthiness.

3. Provide a detailed explanation of why these inaccuracies occurred and the steps TransUnion will take to prevent this issue in the future.

I trust that TransUnion will take my concerns seriously and respond promptly to this matter. Please consider this letter as a pre-arbitration notice regarding the mishandling of my credit information and the ensuing harm to my financial standing. Should there be no satisfactory response or resolution within the next 30 days, I will have no choice but to pursue further legal action. 

Thank you for your attention to this serious matter. I look forward to your swift response. 

Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

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 2025-01-04 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: OH

Complaint narrative:
In XX/XX/XXXXXXXX  and XX/XX/XXXX, my personal information was compromised due to a data breach with XXXX, XXXX and 2 other companies being hacked. This breach exposed my private financial data, resulting in unauthorized accounts being reported on my credit report. The accounts in question were not authorized by me and do not reflect accurate or legitimate activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to privacy and accurate credit reporting. The unauthorized use of my personal data following this data breach directly violates these rights. Furthermore, per 15 U.S.C. 1681c-2, credit reporting agencies are required to delete inaccurate or fraudulent information within 4 business days upon receiving sufficient evidence, such as an FTC Identity Theft Report or equivalent documentation. 

I have made attempts to resolve this matter directly with the companies involved, requesting validation of the accounts and proof of authorization, but they have failed to provide adequate responses or documentation. 

The continued presence of these accounts on my credit report has caused harm to my financial standing and violates my rights under the FCRA. I am requesting the CFPB to enforce compliance with the law and ensure that these unauthorized accounts are removed from my credit report immediately.

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