vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: MicroBilt / PRBC (formerly CL Verify)
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address two separate but related matters concerning my consumer file : A formal dispute of inaccurate information on my XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX reports. 
A request for a permanent security freeze and permanent opt-out on my consumer file. 
Part XXXX : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX, and I have identified several discrepancies that I believe are inaccurate and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). The issues include, but are not limited to, the following : Inaccuracies : Specific inaccuracies in my reports are detailed in the attached documentation. These errors adversely affect the accuracy and integrity of my consumer data. 

Failure to Validate Debt : In accordance with 12 CFR 1006.34 ( c ), there has been a failure to provide proper validation for the debts in question. No clear and accurate description of these debts or evidence of any contractual obligation has been provided.

I request that you immediately investigate these discrepancies, correct the inaccurate information, and update my consumer file accordingly.

Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out Due to ongoing concerns regarding identity theft and unauthorized access to my personal information, I am also requesting that a permanent security freeze be placed on my consumer file. Additionally, I request a permanent opt-out to prevent the sharing of my personal data with unauthorized third parties. 

The reasons for this request are as follows : Identity Theft Concerns : My personal information has been compromised, leading to fraudulent activity. A permanent security freeze will help protect my identity and prevent further unauthorized inquiries and account openings. 

Consumer Privacy : A permanent opt-out is necessary to ensure that my personal data is not disseminated to or accessed by entities without my explicit consent, thereby preserving the privacy and integrity of my information. 

I respectfully ask that you implement these measures immediately and confirm in writing once they have been put in place.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2025-02-24 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: Global Lending Services LLC
State: OH

Complaint narrative:
To Whom it concerns, It has been brought to my attention that Global Lending Services has been dishonest in there reporting of a trade line, I have disputed this trade line through each of the three Bureaus with no resolution. When speaking with Global Lending Services Directly they have refused to provide me with the reporting information related to this trade line.

The Responsibility of this trade line was joint at the time of opening, Now is showing on my now Ex-Wife 's credit as Contractually Liable as well as the reported payment history has been cut off at XXXX of XXXX, Ironically XXXX of XXXX is the exact time frame that she had departed with the vehicle to start her new life in another state. GLS also stated that they have a physical address listed on the account that would have only been able to obtain by speaking with her directly. Its is for these reason that i know that GLS has spoken with my Ex-wife and has altered there reporting of this trade line to her credit.

Through the process of our divorce this asset was ordered to be her soul responsibility and i was to be held free and clear of this debt. In XXXX of XXXX her father paid this loan off in full, since then they has sold the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized inquiries on my credit report, which I believe resulted from a data breach. My personal information appears to have been leaked in several incidents, including breaches at Experian, XXXX, Equifax, and the Social Security Administration, among others. 

Despite not having any active accounts or authorizations with these companies, I have noticed several inquiries on my credit report that are not mine. I have attempted to resolve this issue directly with the involved companies, including Experian, Equifax, and TransUnion. However, they have informed me that they have no record of any legitimate application under my name and have insisted that removal of these inquiries is only possible upon presentation of an FTC report. I have complied and filed a report with the FTC, yet the inquiries remain on my credit file. 

Given the circumstances, I request that you investigate these unauthorized inquiries and facilitate their immediate removal from my credit report. The continued presence of these inquiries is causing significant distress and is negatively impacting my credit standing. I also request that measures be taken to prevent future unauthorized use of my information, especially upon lifting my credit freeze. 

Attached, please find copies of my FTC report and any additional documentation that supports my claim. I appreciate your prompt attention to this matter and look forward to a resolution. I will provide a FTC report and my Drivers License

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 writing to formally file a complaint regarding unauthorized inquiries on my credit report, which I believe resulted from a data breach. My personal information appears to have been leaked in several incidents, including breaches at Experian, XXXX, Equifax, and the Social Security Administration, among others. 

Despite not having any active accounts or authorizations with these companies, I have noticed several inquiries on my credit report that are not mine. I have attempted to resolve this issue directly with the involved companies, including Experian, Equifax, and TransUnion. However, they have informed me that they have no record of any legitimate application under my name and have insisted that removal of these inquiries is only possible upon presentation of an FTC report. I have complied and filed a report with the FTC, yet the inquiries remain on my credit file. 

Given the circumstances, I request that you investigate these unauthorized inquiries and facilitate their immediate removal from my credit report. The continued presence of these inquiries is causing significant distress and is negatively impacting my credit standing. I also request that measures be taken to prevent future unauthorized use of my information, especially upon lifting my credit freeze. 

Attached, please find copies of my FTC report and any additional documentation that supports my claim. I appreciate your prompt attention to this matter and look forward to a resolution. I will provide a FTC report and my Drivers License

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 2025-02-24 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:
I filed a dispute with Experian regarding fraudulent accounts ( XXXX XXXX XXXX and XXXX ) on my credit report. I provided a valid FTC Identity Theft Report, yet Experian has failed to remove these fraudulent accounts within the legally required timeframe. These accounts are impacting my ability to secure housing and other financial necessities. I am requesting immediate removal of these accounts per the Fair Credit Reporting Act ( FCRA ). Please investigate and resolve this matter 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 2025-02-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
-My account was restricted XXXX -I filed the appeal and it was received XX/XX/year> and I asked why my account was restricted they said the system automatically did it -Ive show proof of identity before I was even instructed to go to a branch - on XXXX I went to the beach as instructed by a supervisor only to be told I cant access any funds on my account even if I have proof and to wait on the appeal - on XXXX I was instructed again to go to a branch because my account wasnt updated since it was out of the negative and I could show proof of documents the branch would call security and I would be able to access my funds I even asked could I close the account because I didnt have any interest in banking with them anymore and just wanted my money - the branch told me they told me a lie they cant contact security and I still cant have access to my funds- they even instructed to take it up with the irs but they let the irs deposit my tax refund into the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
Sentry Credit has been contacting me about a {$140.00} debt I had already resolved years ago with a rental property company, formerly XXXX XXXX in XXXX XXXX, TX. 

Page XXXX of the attached document ( XXXX XXXX, XXXX XXXX XXXX ) provided by Sentry Credit was updated ( on XX/XX/year> ) and showcases a balance of XXXX. 

Page XXXX ( XXXX XXXX XXXX ) is outdated ( XX/XX/year> ) and reflects a prior misunderstanding between the property and myself. Sentry Credit , Inc. is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinverstigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. This failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I al requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-25 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: FL

Complaint narrative:
For the month of XX/XX/XXXX and XX/XX/XXXX I have sent supporting documents to show that the payments were not late. Based on consistent reporting pattern, each months payment has historically been reported the following monthfor example : XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX. 
However, this pattern was not followed for XXXX and XXXX. XX/XX/XXXX was reported as late to the credit bureaus on XX/XX/XXXX, and XX/XX/XXXX was reported late to the credit bureaus on XX/XX/XXXX, resulting in late payments on my credit report. The agency needs to review the documents I submitted and update my credit report accordingly. I am exercising my right under the Fair Credit Reporting Act, Section 611 ( 1 ) ( A ), to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account/ Loan # : XXXX This account is currently reporting inaccurately. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE UNFREEZING OF MY CREDIT FILE. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a text saying there was a suspicious transaction with my XXXX XXXX account and to reply yes if it was valid, no if not. I replied no. 
Then I got a call from a person saying they were from XXXX XXXX and that my account was compromised. They said I needed to open a new account. They asked me to verify some transactions so they had information on my recent purchases which made me believe they were from the bank. 

They created a wire transfer entity called XXXX XXXX Account and told me I needed to fund the new account. I funded it with XXXX and then realized that it was a wire transfer into a Bank of America account. I immediately called my bank to stop the transaction. They attempted to and then a week later told me it failed. I have not been able to get anyone from BofA to help me. 

I contacted the FBI already. This event happened on XX/XX/XXXX and the name on the BofA account was XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief