vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information and Unauthorized Inquiries on EXPERIAN Consumer Report Dear EXPERIAN, I am writing to dispute inaccuracies and unauthorized inquiries appearing on my EXPERIAN consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 

Disputed Accounts and Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Inquiry Name, Date of Inquiry XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. Additionally, under 15 U.S.C. 1681b, any inquiry must have my explicit authorization and a permissible purpose. If the reported items or inquiries were the result of unauthorized access due to the breach, they must be immediately removed. 

Furthermore, under 15 U.S.C. 1681e ( b ), EXPERIAN has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file. 

Attached is my EXPERIAN consumer report regarding this matter. 

Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 
Sincerely, XXXX 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 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The company has called me 15 times in one day. Upon setting up a payment method I'm the site wasn't able to. The Fair Debt Collection Practices Act ( FDCPA ) limits how often a debt collector can call you, including how many times they can call in a day : Number of calls Debt collectors can't call you more than seven times in seven days, or within seven days of speaking with you about the debt. 
I'm being harassed.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
Checkngo/ XXXX Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report. 


2. Please provide me with the purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing a purchase agreement that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MN

Complaint narrative:
Ive recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( Experian XX/XX/year>, XX/XX/year>, transuion XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, and my personal information has been used without my authorization to open multiple fraudulent accounts. This has resulted in financial loss, damage to my credit report, and significant distress. Below are the fraudulent accounts identified : Credit Card with CB VICSCRT Fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts and inquiries appear on my credit report, causing financial and reputational harm. 

I have reported these incidents to the Federal Trade Commission ( FTC ) under Report Number XXXX and am seeking assistance from the CFPB to ensure that all fraudulent accounts and inquiries are removed from my credit report, and that my rights as a consumer are upheld. 

Rules and Laws Pertaining to Identity Theft : Fair Credit Reporting Act ( FCRA ) Consumers have the right to dispute inaccurate information on their credit reports. Credit bureaus are required to investigate disputes and correct or remove fraudulent information. Victims of identity theft can also place a fraud alert or credit freeze to prevent further unauthorized activity. 
Identity Theft and Assumption Deterrence Act ( 1998 ) This law criminalizes identity theft and provides for the prosecution of offenders. It also outlines the rights of victims, including the ability to seek restitution for financial losses. 
Fair Debt Collection Practices Act ( FDCPA ) Protects consumers from unfair or deceptive debt collection practices. It ensures that victims of identity theft are not held liable for debts resulting from fraudulent accounts. 
Gramm-Leach-Bliley Act ( GLBA ) Financial institutions must protect the confidentiality of consumer information. The misuse of my information suggests a potential lapse in compliance with these regulations. 
Federal Trade Commission ( FTC ) Enforcement The FTC provides guidance and recovery plans for victims of identity theft through its IdentityTheft.gov platform. I have followed these steps to report and begin resolving the matter. 
I request that the CFPB investigate this issue and work with the affected creditors and credit reporting agencies to ensure compliance with these laws. It is imperative that the fraudulent accounts, unauthorized charges, and inquiries are removed from my credit report, and that I am not held responsible for any debts arising from these fraudulent actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NJ

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-12-02 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: ID

Complaint narrative:
On XX/XX/year>, I reviewed my credit report from Experian and identified inaccuracies related to an account associated with XXXX XXXX XXXX. Specifically : Account Type Misrepresentation : The account is listed as a " charge card '' account type, which implies a requirement to pay the balance in full monthly. This description does not accurately reflect the repayment flexibility of this account.

Incomplete Credit Reporting : Another account with the same lender, XXXX XXXX XXXX, has a positive history that has not been reported on my Experian credit report for over a year. 
Despite confirmation from the lender that they have reported this information to Experian, it has not been reflected, which impacts the completeness of my credit report and misrepresents my creditworthiness. 

Actions Taken : I contacted XXXX XXXX, XXXX, and verified that they had submitted the positive account information to Experian. 
I sent a dispute letter to Experian asking to remove these inaccuracies 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 2024-12-02 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct. 

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time 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 2024-12-02 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Follow-Up on Inaccurate and Incomplete Information in My Credit Report To Whom It May Concern, I am writing to address inaccuracies in my credit report and to request a thorough reinvestigation. Despite previous attempts to correct these issues, the inaccuracies remain unresolved, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Below are the provisions of the FCRA that I believe TransUnion has failed to adhere to : 1. Accuracy of Report ( 15 USC 1681e ( b ) ) TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of the information reported. These inaccuracies demonstrate a failure to meet this obligation. 
2. Description of Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) The FCRA requires consumer reporting agencies to provide a description of their reinvestigation process upon request within 15 days. To date, I have not received this information. 
3. Treatment of Inaccurate or Unverifiable Information ( 15 USC 1681i ( a ) ( 5 ) ) Information found to be inaccurate, incomplete, or unverifiable must either be deleted or modified promptly. This has not occurred with the accounts listed below. 

I request a prompt reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If these inaccuracies are not addressed promptly, I will have no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and considering legal action to protect my rights under the FCRA. 

Please provide a detailed response, including any corrective actions taken, no later than 30 days from the date of this letter. 

Thank you for your attention to 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 2024-12-02 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-12-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED 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 XXXXXX/XX/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