vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Experian and XXXX credit company are reporting these collections to my account that I have no knowledge of, which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately as these debts do not belong to me fyi.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am submitting this formal complaint against Experian Information Solutions , Inc. regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their handling of an issue related to inaccurate consumer information, which is causing significant harm and adversely affecting my credit profile. 

Summary of Complaint : I initially contacted Experian to resolve two critical issues - Inability to Access Free Consumer Credit Profile : I was unable to access my consumer credit profile through Experians free credit report service due to incorrect identity information associated with my account. 

Incorrect Personal Information : My credit report contains inaccurate and outdated personal information, including : A mixed/merged profile, resulting in an address that does not belong to me. 
A commercial business address that is erroneously listed as my residential address. 
Upon contacting Experians customer service, I experienced significant challenges in reaching a live agent. I made over 10 separate calls to various customer service numbers, none of which led to a resolution. Once I finally connected with an agent ( identified as XXXX, Customer Service Supervisor ), I was informed that Experian would not file a dispute regarding the incorrect addresses until I first resolve the issue with the creditor. Specifically, XXXX stated that I must wait for the creditor to remove the address, and only then would Experian initiate a dispute. 

FCRA VIOLATION Experians refusal to accept responsibility for filing a dispute regarding inaccurate personal information directly contradicts its obligations under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) investigate claims of inaccuracies and correct them in a timely manner. The act of requiring me to resolve an issue with a creditor before Experian will initiate an investigation places an undue burden on the consumer and unnecessarily extends the timeline for resolution. This appears to be a tactic used by Experian to shift responsibility and delay compliance with FCRA standards. 

Furthermore, the continued presence of incorrect personal and creditor information on my credit profile is not only inaccurate but is also the direct cause of adverse consequences, including reduced credit scores and potential denials of credit. These effects are the result of Experians willful failure to investigate and resolve valid claims of incorrect information, which exacerbates the harm I have suffered.

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 2025-01-11 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: NY

Complaint narrative:
I sent in a deposit for my late payment and they came back as verified but never got any info on how it was verified and prof of it.

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 2025-01-11 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: LA

Complaint narrative:
A dispute was filed with all 3 credit bureaus for reporting inaccurate information. The dispute results were returned with the information marked as verified in less than 10 business days, and it is clear that a thorough investigation was not conducted. I am entitled to fair & accurate reporting in compliance with 15 U.S.C. 1681 et seq., & it is clear that these regulations were not upheld.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital systems LLC Subject : Request for Debt Validation Dear Jefferson Capital Systems LLC or To Whom It May Concern, I am writing to request validation of the debt that you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that you provide me with the following information : 1. Verification of the Debt : A detailed statement of the amount you claim I owe, including any fees, interest, or other charges.

2. Proof of Ownership : Documentation showing that you are legally entitled to collect this debt.

3. Original Contract : A copy of the original contract or agreement that created the debt. 
4. Payment History : A record of payments made toward this debt, if applicable. 

Please note that until you provide the requested validation, you are required to cease all collection activities, including reporting this debt to credit bureaus. 

I appreciate your prompt attention to this matter. Please send your response to my address listed above within 30 days. Thank you for your cooperation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I have a mortgage with Select Portfolio. It was sold on from XXXX XXXX six years ago. For the last five months, I have attempted to go online to pay my mortgage but every month I am instructed to reset my password. Every month I reset my password, but there are never ending problems which are taking days to fix and then I am charged a late fee, plus I am needing to take hours out of my business day to troubleshoot issues that I have not caused. I have asked the company for a better, more streamline process, but they have told me that this is the only way I can do it unless I want to give them the option of directly debiting my account ; which I will not do since the last time I did this with them, they would do multiple debits off my account, and take months to refund the overpayment back. 

I am a good customer, my mortgage is in good standing. I have an excellent credit reporting history, but every month Select Portfolio look for ways so that their clients can not pay timely and they can garner more fees. It is tantamount to extortion. 

The option of refinancing, my home is not good since the mortgage rate today is considerably higher than the rate I have with this company. I do not have a good solution and Select Portfolio are not looking for a way to make customer service in the best interest of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans Union failed to honor my request to block information resulting from identity theft. I filed a Federal Trade Commission report where I swore under penalty of perjury that the accounts are indeed the result of identity theft. I feel that I am being treated unfairly. Under FCRA Section 1681e ( b ), Trans Union is supposed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Trans Union also converted my request to block into a 30 day dispute without explanation. I am seeking redress for the accounts to be permanently deleted from the credit report. Please see the attached notice.

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 2025-01-11 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: FL

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately 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  15 USC 1692c '' refers to a section of the Fair Debt Collection Practices Act that outlines the rules regarding communication with consumers when collecting a debt, essentially stating that a debt collector can not contact you without your prior consent, and must stop collection activities if you dispute the debt until they verify its validity.

I expect you to stop all communication regarding the disputed debt & cease all accounts.

I am disputing the debt based on my rights under 15 USC 1692c.

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 2025-01-11 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: MI

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately 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 XXXXXXXX XXXX XXXX  " 15 USC 1692c '' refers to a section of the Fair Debt Collection Practices Act that outlines the rules regarding communication with consumers when collecting a debt, essentially stating that a debt collector can not contact you without your prior consent, and must stop collection activities if you dispute the debt until they verify its validity.

I expect you to stop all communication regarding the disputed debt & cease all accounts.

I am disputing the debt based on my rights under 15 USC 1692c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX XXXX XXXX the credit reporting agencies, block all 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This theft has also resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MI

Complaint narrative:
I am a victim of a data breach in which my personal information was exposed. As a result, I am requesting that any fraudulent accounts opened in my name be blocked and deleted, as authorized by my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I ask that the credit report agency Equifax block and delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was opened or created due to identity theft or the unauthorized use of my personal information. I believe they are a direct result of the data breach and should be addressed immediately. 

To assist in processing my request, I have enclosed the following documents : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my government-issued identification Proof of address Affidavit Social Security Proof I was impacted by the data breach Any additional documents required to verify my identity and the fraudulent activity Please take the necessary steps to block and delete this fraudulent account from my credit file. In accordance with the FCRA, I also request written confirmation that these actions have been completed and that my credit report has been updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I can never access my information online. I can not place a freeze online, I can not dispute online. I need fraudulent information deleted and I am requesting that all of my personal information be updated per the documents supplied.

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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> The cashier check was deposited into my personal checking account with the amount of the total {$48000.00}. After the check was cleared out and I withdrew total {$15000.00} with no issues on the day of the XX/XX/year>. The Local Brach placed a hold on my account for no reason because they dont want me to continue withdrawing. It feels they have steal my money for no reason and they have no right to freeze the money that was already deposited to my personal checking account.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I found a federal Trade commission report and it was an identity report cause Im a victim of identity theft sent that to all three credit bureaus and they took it off. It got deleted, but they allow the creditors to put it back on three weeks to a month later Item JP mortgage Chase XXXX XXXX all three credit bureaus XXXX XXXX XXXX XXXX XXXX Im asking for you guys assistance because theyre not following the law Ive attached my FTC report along with this statement. My number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please if you have any questions feel free to give me a call. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KY

Complaint narrative:
I made a payment to discover bank in the amount of XXXX XXXX the day before the payment was due. 

Discover bank despite receiving the payment never debited my XXXX XXXX account and instead charged me a late fee, an over the limit fe, and higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. This account only reports to transition and I am not aware of this account.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX reported information about a dismissed bankruptcy on my credit report which reads {$0.00} and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house stated they never shared any information with any credit report agencies. They also mentioned that they do not ever report to the credit bureaus. It has been on my credit report since XX/XX/year> XXXX has failed to provide adequate information on how these items were verified, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).

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