vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on feburary XXXX of XXXX i was sent two payments through the form of XXXX  {$240.00} in total from one person named XXXX XXXX XXXX XXXX she sent me the money as a payment of XXXX  because thats the only form of payment i have. she bought XXXX XXXX ( figures ) off of me that i have available i told her to bare with me because i had to ship out the package this where she lives. i have been having rough days and couldnt get to the post office, i had explained to her that i would be going saturday the XXXX of XXXX to ship out her package and she asked for her money back saying i was scam her. i explained to her that it was not the case and showed her proof of the package. i sent the package out by ups this morning XX/XX/year>. i checked my bank account again after shipping her package out and the {$240.00} she sent me through XXXX are on hold/pending and are no longer in my bank account balance. i spoke with a representative from my bank and they explained that the department that handles that are open monday-friday and since today is saturday there was nothing further he would do except tell me to call back on monday. i already sent out the package and she basically called her bank to take the money out. theres nothing i can do about her package because it is already being shipped out to her. i would like my payment to be back in my account, if not she scammed me and its counted as 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 explanation
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding their failure to accurately report my account information to the credit bureaus and their violation of a pay-to-delete agreement. 

On XX/XX/year>, I settled my outstanding balance with XXXX XXXX XXXX XXXX XXXX in accordance with an agreement that specified the debt would be removed from my credit report upon payment. However, despite fulfilling my obligation, the company has failed to delete the account as agreed. Instead, they only reported a settlement status, which negatively impacts my credit report. 

Additionally, my right to have my credit report accurately reflect the dates payments were made has been violated. The attached document, dated XX/XX/year>, confirms my settlement, yet the company has refused to ensure timely and accurate reporting. This failure to uphold the agreed-upon terms and their legal obligations under the Fair Credit Reporting Act ( FCRA ) has caused unnecessary damage to my credit standing. 

I request the CFPB to investigate this matter and ensure that XXXX XXXX XXXX XXXX XXXX : 1. Removes the account from my credit report as per the pay-to-delete agreement. 
2. Corrects any inaccurate reporting, including ensuring proper updates to payment dates. 
3. Provides an explanation for their failure to follow through on the agreement.

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 2025-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: GA

Complaint narrative:
I have already signed up to opt out of prescreened offers over a year ago, and I am still receiving scammy sounding offers from Independence Home Loans. we have called them multiple times requesting that they stop, yet every time, it just turns into an argument with the rude advisors. they are not honoring our requests to stop. Their information is as follows : Independence Home Loans XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Follow-up Request for Deletion of Outdated Address Under 15 USC 1681i ( a ) ( 1 ) ( A ) I am writing to follow up with Experian, on my previous request dated XX/XX/year>, regarding the removal of outdated address information from my credit report. Despite more than 35 days having passed, the requested corrections have not been made. 

This delay constitutes a violation of federal law under 15 USC 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and resolve disputes within 30 days of receiving a dispute notice, subject to certain exceptions. 

I respectfully request that you immediately delete the outdated address from my credit file. 

Thank you for your prompt attention to this issue. 

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 explanation
Consumer complaint received 2025-02-08 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: MA

Complaint narrative:
Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX I was Never Late on The Account listed above please shoe me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please update late payment to current.

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 2025-02-08 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: TN

Complaint narrative:
I had an item of debt for approximately {$3000.00} added to my credit report that is based on medical debt. The collection company failed to disclose this debt is medical in nature. Specifically relating to a XXXX  visit. I believe this company is used to " wash '' debt so that it can bypass rules about medical dept impacting your credit score. I filed a complaint with the rating agency but they did not remove the item. Which is in violation of CFPB Regulation V.

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 2025-02-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX Account : XXXX Subject : Formal Dispute of Charge-Off Notice of Violations Under Federal Law I am writing to formally dispute the alleged charge-off you have reported to the credit bureaus. Under federal law, you are required to ensure all information furnished is accurate and compliant with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). After reviewing my credit report, I have identified violations of the following federal statutes : 1. 15 U.S.C. 1681s-2 ( a ) You are required to report only accurate and verifiable information. If you are unable to prove the validity of this charge-off with proper documentation, you must immediately remove it. 

2. 15 U.S.C. 1681b ( a ) ( 2 ) You must have a permissible purpose to continue reporting an account post-charge-off. If you can not provide evidence of my direct consent, your reporting is in violation of federal law. 

3. 15 U.S.C. 1666 Under the Fair Credit Billing Act, I have the right to dispute any billing errors or inaccuracies. You must provide a full investigation with verifiable documentation supporting this alleged debt. If you can not, this charge-off must be immediately deleted. 
Failure to correct these violations will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel for willful non-compliance. 
I demand the immediate deletion of this charge-off from all credit bureaus. You have 30 days to respond with verifiable proof or confirmation of removal. 

This letter serves as formal notice under federal law. Failure to comply will be met with all available legal remedies. 

This account was written off as a charge-off, and I never received a 1099 cancellation form. Because this account is inaccurate, it needs to be removed. 

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 explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
Name, address and all personal information is inaccurate. 
15 USC 1681s-2 please remove all inaccurate information and I have attached copies

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 2025-02-08 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: MI

Complaint narrative:
Name, address and all personal information is inaccurate. 
15 USC 1681s-2 please remove all inaccurate information and I have attached copies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
I have disputed this company for over 6 years. I believe it is some kind of loan that was taken out. The period it happened I had a XXXXXXXX XXXX XXXX XXXX XXXX and was recovering, and was receiving XXXX pay from my employer. I am currently XXXX and not working. I had to retire from my job. 

I have disputed this before because they are reporting this as an open case and reporting each month that I am NOT making payments. They are reporting like they were the ORIGINAL company. I know that I have never taken out a loan from NCB Management. They need to send proof that I took a loan out for over XXXX from NCB Management because they are reporting that they are the ORIGINAL company. This company that constantly reporting errors on my credit report for XXXX plus years has prevented me from getting a place to live more than once. I am currently homeless. When the leasing agent sees an OPEN claim with NCB MANAGEMENT stating that I owe them over XXXX, I can not get anywhere to live. I believe this account was purchased and NCB Management is not the original company. I believe they are reporting this as a current open account because I keep Disputing it because it is not mine, and they are not verifying it correctly. I know it went from a charge off to reporting it as an open account originating with them. 
NCB Management has caused irreparable damage to my life. I am XXXX and not able to work, and as of XX/XX/year>, no where to live. 
XXXX Subtitle XXXX, XXXX  XXXX of the Delaware Code : Prohibited Trade Practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
It appears when an item is disputed for inaccurate information with Experian the company fails to properly investigate and remove disputes from my report. When the dispute is completed, there are no changes made. As a result my credit score remains low.

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
My information was exposed in a data breach you got to remove this info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-debt Final Rule 1002. 142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blockedand deleted from my XXXX credit report. please delete the following accounts. XXXX XXXX XXXX. {$4100.00}, XXXX XXXX XXXX. {$4000.00}, XXXX XXXX XXXX. {$2500.00}, XXXX XXXX XXXX. {$2000.00}, XXXX XXXX XXXX. {$1600.00}, XXXX XXXX XXXX. {$420.00}..

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 2025-02-08 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: TN

Complaint narrative:
I filed multiple disputes with Experian regarding inaccurate late payment reporting on my XXXX XXXX account, and Experian has failed to provide proper verification or a valid Method of Verification ( MOV ), violating FCRA 611 ( a ) ( 7 ). 

The account was paid in full and closed in XX/XX/XXXX with a Date of Status reflecting this final positive update. However, late payments from XXXX & XX/XX/XXXX are still being reported despite XXXX XXXX guidelines requiring that the most recent status supersede prior derogatory marks. 

What Happened : I multiple complaints requesting verification of the reported late payments. Experian responded with a generic response and failed to provide detailed MOV. I'm demanding Experian to confirm the exact source of their verification and provide documentation. Experian again failed to provide MOV and continued to parrot the same response without providing evidence. 
I filed a CFPB complaint ( Case # XXXX ) in XX/XX/XXXX, and Experian still refused to provide proper documentation or an explanation for why the XXXX late payments remain after the account was paid in full and closed in XX/XX/XXXX. 
Why This is a Violation : 1 Failure to Provide MOV ( FCRA 611 ( a ) ( 7 ) ) Experian is legally required to provide detailed verification, yet they continue sending the same response without documentation. 
2 Metro 2 Compliance Violation Date of Status Conflict Since the Date of Status is XX/XX/XXXX, Experian is failing to accurately report the account as fully paid and closed, allowing outdated derogatory marks to impact my credit score.

3 Failure to Properly Code Dispute as " In Dispute '' ( XXXX XXXX ) Experian is required to mark the account as in dispute during reinvestigation, yet I have no confirmation this was done. 
4 Failure to Conduct a Meaningful Investigation ( FCRA 611 ( b ) ) Because Experian has failed to verify the disputed information, it must be deleted 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
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting ActI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting ActI

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 2025-02-08 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: CO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. XXXX ) on XX/XX/year>, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers. 
Relying uncritically on furnishers responses, even when they are illogical or inconsistent. 
Sending consumers misleading or unclear results regarding dispute investigations. 
Allowing previously deleted inaccurate information to be reinserted onto credit reports.

My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers. 
Provide me with a written statement detailing whether the disputed information has been corrected or deleted. 
Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report. 
Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved.

If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o.

I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
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 explanation