vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Dear Portfolio Recovery Solutions I have reviewed my credit report and noticed this account, which I did not authorize or open. I believe it was opened without my knowledge or consent, and therefore, I request that it be removed from my credit report. 

I have already reported this fraud to [ mention any relevant authorities such as the Federal Trade Commission ( FTC ), local law enforcement, or the issuer if applicable ] and have filed a report regarding the identity theft. Please find enclosed [ include copies of your police report, identity theft report, and any other supporting documentation that proves the fraud ]. 

As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be investigated and removed from my credit file. I would appreciate your prompt action in resolving this matter. Fair Credit Reporting Act ( FCRA ) Overview : The FCRA governs the collection, dissemination, and use of consumer credit information. It ensures that the information reported on your credit file is accurate and that you have the ability to dispute and correct errors. 

Truth in Lending Act ( TILA ) Overview : The Truth in Lending Act requires creditors to provide clear, standardized information about loans, including interest rates, fees, and the total cost of credit. It aims to protect consumers from unfair lending practices and ensures they understand the terms of credit transactions. 


Please confirm receipt of this letter and keep me informed of the steps taken to remove the fraudulent account from my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX a card was applied for in my name according to the bank it was denied but they refused to remove the inquiry. This was not me and insisted not authorize for this card to be applied for and running my credit. I was instructed by XXXX today to file a complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
Do the same to this account and DELETE XXXX XXXX XXXXXXXX - XXXX Identified Inaccuracies Discrepancy in Date Opened : XXXX reports the account as opened on XX/XX/year>, while TransUnion lists it as XX/XX/year>. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], which requires accurate and consistent reporting across credit bureaus.

1. Balance Reporting Errors : Both Experian and TransUnion list the balance as {$940.00}, but no verifiable documentation has been provided to substantiate this amount.

2. 6 of 19 Failure to verify and validate this information violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which mandates furnishers to ensure the accuracy of reported data.

Lack of Verifiable Documentation : No evidence has been provided to prove the legitimacy of this debt, including the original signed agreement or proof of debt ownership.

This is a clear violation of FCRA Section 611 [ 15 U.S.C. 1681i ] and CFPB guidelines, which require creditors to provide evidence of debt upon dispute. 
3. Failure to Update Account Status : The status remains as XXXX, despite no confirmation or resolution being provided. This is non-compliant with Metro 2 Compliance Standards, which require accurate, timely, and complete updates to consumer credit files.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Company instructions was for me to go through the credit bureau so I contacted XXXX and they told me to go this route and and file claims on each card. I did not authorize this card and the bank said it was denied so I just want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report with XXXX XXXX the account number is XXXX, it was opened on XX/XX/XXXX with a balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.

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 2024-12-31 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: TX

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
Since XXXX, my husband and Is information and SSN have been sold on the dark web. In XXXX, XXXX XXXX XXXX ( born in XXXX ) sold my husband and Is information on the dark web. He used our name, SSN applied for a mortgage, car loan, and credit cards. 
In XXXX, our information was sold again on the dark web. There were many buyers and we received the highest bills. 
XXXX was unwilling to provide information about these loan and credit card companies, nor was it willing to mail a credit report to my home. The company has always treated me as a criminal, and regarded the criminal with mortgages, car loans, and credit cards as the real me. I sent an e-mail to XXXX XXXX, and then entered into dispute resolution and restored my identity. 
You have the most complete loan information and credit card information. Please help me, terminate these criminals using my name and my husband 's name XXXX XXXX XXXX for these mortgages, car loans, credit cards. 
XXXX also said his is my partner ( not ), my boyfriend ( not ), applied for a mortgage. 
These car loan, mortgage, and credit card companies did not send a letter to my home for confirmation, and they loaned money to these criminals. This is a financial loophole in the United States, and we hope to solve this problem. 
I need your help! 
Thanks!

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 2024-12-31 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681, 15 U.S.C. 1692c, and 15 U.S.C. 1637. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I have noticed accounts on my credit report that I did not authorize, which may be the result of fraud or identity theft. Please remove these fraudulent entries.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc.
State: KS

Complaint narrative:
I have asked to Stop Calling my family I have them to take off My credit report because they were sold my information without any written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I have been living in the United States for more than 2 years now. I am facing issues with my Credit File Report On XXXX. I am writing this because I have concerns regarding my credit history report with XXXX. I can not access and find my credit history even though I have been in the US for over two years. I spoke with their customer service multiple times in the past four months, and there was no help provided. I am still facing this issue today even after sending the documents requested five times. I have a credit card, and bank account, with a good credit history with multiple organizations like XXXX XXXX XXXX and XXXX. XXXX Please go through my complaint and let me know what's needed to update my credit history I am unable to apply for a new credit card and other benefits because of improper information in my credit history.

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 2024-12-31 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Just reachin out to say I dispute the debt under the Fair Debt Collection Practices Act I dont need no proof or docs I just dont agree with it plain and simple For future contact best way to hit me up is email only Monday through Friday XXXX to XXXX XXXX XXXX XXXX Dont bother with calls voicemails or any mail like XXXX XXXX or XXXX Thats just extra Thanks for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: EdFinancial Services
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: World Omni Financial Corp.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
Subject : Request for Compassionate Consideration - XXXX XXXX XXXX Dear XXXX XXXX , I am writing to you with a heavy heart in the wake of the unimaginable loss of my beloved grandson, XXXX XXXX XXXX Just two months after I made the sacrifice to pay off his student loans in full, our family was shattered by his sudden passing. 

As his co-signer, I entered into an agreement with XXXX, who was working in his field of study, hoping to support him as he built his future. In XX/XX/year>, I refinanced my home mortgage to pay off his student loan debts totaling {$170000.00}, as the interest was accruing daily. This was a heartfelt decision made out of love and hope, but little did we know that fate had other plans for us. 

Now, as we navigate the profound grief of losing XXXX, I am reaching out to request your compassion and understanding. His passing has left our family not only heartbroken but also facing financial uncertainty. My husband is XXXX XXXX XXXX and I am XXXX XXXX XXXX, struggling to make ends meet, and the weight of recouping these losses is becoming increasingly burdensome. 

I implore you to consider the extraordinary circumstances surrounding XXXX 's death as you review our situation. I have already endured so much pain and sacrifice to ensure that his education was fully supported. Now, I find myself grappling with the impact of loss compounded by financial strain. 

I am aware that XXXXSallie Mae has guidelines for death discharges, and I respectfully ask you to consider the human side of this tragedy. XXXX was an exceptionally smart, creative, and respectful young man with a bright future ahead of hima future that has been cruelly cut short. The degree he worked so hard to achieve is hanging on his bedroom wall is now a bittersweet reminder of his potential and the financial obligations that he has unfortunately left behind. 

I kindly request your consideration for a refund or any alternative solutions that could alleviate the financial burden our family is facing. I ask that you approach my request with empathy and an understanding of the pain we are enduring. 

Thank you for taking the time to read our story. Your compassion during this challenging time would mean the world to us. 

Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Self Financial Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting these accounts have violated my rights.


15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
On XX/XX/XXXX I received a credit report with a debt in Collection from the XXXX XXXX XXXX Company collected by RADIUS GLOBAL SOLUTIONS with a balance of XXXX dollars, which I do not recognize nor have I ever had any connection as a client. I never received a notification by mail or by phone, affecting my credit with XXXX remaining points. I have tried to be a better XXXX  every day by taking care of my personal credit. I hope that all of this can be resolved.

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