vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
The company continues to report this account on my consumer report when they wrote the account off as a profit loss but failed to issue me a 1099c. This account is causing negative impact and unnecessary stress on my life as I'm trying to gain employment. Please remove this inaccurate account from my consumer report XXXX. This company wrote this account off on their taxes but continues to report inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX ( denied too many recent inquiries are recorded on my credit bureau report ) XX/XX/year> Bank of America credit card and XXXX XXXX ( denied and unable to verify identity and documentation provided ) XX/XX/year> XXXX XXXX  XXXX Credit Card ( denied for I put a freeze on my credit file ) XX/XX/year> XXXX XXXX XXXX from XXXX XXXX ( application denied ) XX/XX/year> XXXX XXXX XXXX Bank debit card checking ( denied by the bank and me when I called to report it. ) XX/XX/year> received a email on unemployment claim in my name with my work. ( I responded to the email stating it was fraudulent and also filed a claim with Report unemployment identity fraud U.S. Department of Labor )

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 2024-10-03 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: IL

Complaint narrative:
I have found that these inaccuracies are still reporting on my file and it's disappointing considering how I have reached out to your company twice regarding these accounts. It's so disappointing to consistently ask of you to investigate these because it's causing me so much stress.

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 2024-10-03 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: CA

Complaint narrative:
I have recently been working on my credit, when I got an alert from Credit monitoring service that I had an account with a company I had never heard of and a XXXX  account that I have never had. 

XXXX XXXX XXXX OPEN DATE : XX/XX/year> XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit cards opened at XXXX XXXX XXXX XXXX around XX/XX/year> account XXXX and The account have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.

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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX Correct and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to formally dispute incorrect information reported on my credit report. On XX/XX/XXXX, I contacted all three credit bureaus regarding inaccuracies, but as of today, XX/XX/XXXX, I have not received any communication confirming the removal of this incorrect information. 

Credit Report Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Last 4 of SSN : XXXX I am demanding the immediate removal of all incorrect information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. Section 609 ( 15 U.S.C. 1681g ) mandates that consumers have the right to obtain all information in their files at the consumer reporting agency, including any inaccuracies that may be affecting their creditworthiness.

Additionally, Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to remove any information that can not be verified. As I have disputed this information and received no response, the agencies are in violation of the FCRA. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from misleading or inaccurate information. As such, I am requesting that you ensure all reporting agencies comply with federal law by conducting a thorough investigation and removing any unverifiable information from my report. 

Please confirm receipt of this letter and provide documentation regarding the actions taken in response to my disputes. I expect the inaccurate information to be addressed immediately, as mandated by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : 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 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I closed my escrow account with my mortgage company and I had a credit balance of {$3200.00} that they refunded to me and then they turned around and charged the {$3200.00} to my principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-10-03 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On or about XX/XX/XXXX, I contacted Wells Fargo requesting documents and information pertaining to my now closed mortgage loan. 
On XX/XX/XXXX I contacted XXXX XXXX at Wells Fargo, and asked why I have not received the information that I requested. He stated that they have to open a case to produce the documents. I then informed XXXX XXXX that they are obligated to fulfill my request for documentation according to Federal laws. Wells Fargo grossly mismanaged the account and had applied charges to my account that were unauthorized. In addition Wells Fargo failed to provide statements for XXXX, XXXX, and XX/XX/XXXX. During that period I made several payments to Wells Fargo, totaling in the thousands, that Wells Fargo knowingly and intentionally did not apply the payments so that they could add them onto my loan balance. 
Here is a list of the requested documents from Wells Fargo : Breakdown with details regarding the {$25000.00} that was added to my loan balance XXXX statements Response as to whom owns the loan Breakdown with details for theremediation check in the amount of {$710.00} dated XXXX XXXX Escrow statements for XXXX, XXXX, XXXX, and XXXX Mortgage statements for XXXX, XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-03 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:
XXXX Violated In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

15 U.S.C Section 609 Accuracy of item on credit Report and provided adequate evidence XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions. 
and thats it. 
Removed inaccuracy with in 15 days and provided written evidence method of verification to 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 non-monetary relief
Consumer complaint received 2024-10-03 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-10-03 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
My account with XXXX  the original creditor is only XXXX when I disputed this originally it was taken off my credit report because upon call IC Systems I was told they were out of business, so I went to my local XXXX  and I got a receipt for the equipment that I had turned in and I was told that after the balance of the equip ment was taken off I only owed XXXX, so I asked how do I get the correct balance put on my credit report with I C Systems being closed down an he told me he didn't know how and my balances was never XXXX dollars the apartment complex I lived in gave up 150 channels of cab for free the only thing we payed for was Internet, so that's not correct

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 2024-10-03 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/2024, I submitted a 605B deletion request to Equifax through CFPB complaint # XXXX. This request included all necessary documentation, such as a sworn crime report, proof of identity, and proof of address, to block fraudulent information from my credit report due to identity theft. However, as of today, no action has been taken on my request, which should have been processed within XXXX business days according to FCRA Section 605B. 

On XX/XX/XXXX, I called Equifax and spoke with Supervisor XXXX  ( Case # XXXX ) to follow up on the status of my 605B deletion request. I was informed that the dispute was still under investigation. On XX/XX/XXXX, I called again and spoke with Supervisor XXXX ( XXXX # XXXX ), who also told me that the investigation was ongoing. I reminded him that FCRA 605B mandates no further investigation is required from creditors once a sworn identity theft affidavit and supporting documentation are submitted. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX # XXXXXXXX  ), who claimed to be the highest-level authority available to discuss my case. XXXX  informed me that my 605B identity theft dispute could not be blocked, and I would need to wait for 30 days for the investigation to close. I explained that, per the law, the investigation should not be necessary for a 605B deletion request, but he said there was nothing more he could do.

This raises serious concerns about the handling of my 605B request, as I believe it is being improperly treated as a standard dispute rather than an identity theft deletion request, which should have been addressed within XXXX business days. Additionally, I believe this failure to act violates FCRA Section 605B.

Furthermore, I have submitted complaints to credit reporting agencies ( CRAs ) regarding accounts that are the result of identity theft and should not be on my report. These accounts were allegedly " verified '' without any transparency regarding the sources used for verification. Under FCRA 611, I request that the CRAs provide the sources of information they relied upon in verifying these disputed accounts. If the CRAs can not produce valid sources, I demand that all contested items be removed from my credit report, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/year>, I submitted a 605B deletion request to Equifax through CFPB complaint # XXXX. This request included all necessary documentation, such as a sworn crime report, proof of identity, and proof of address, to block fraudulent information from my credit report due to identity theft. However, as of today, no action has been taken on my request, which should have been processed within XXXX business days according to FCRA Section 605B. 

On XX/XX/XXXX, I called Equifax and spoke with Supervisor Sham ( Case # XXXX ) to follow up on the status of my 605B deletion request. I was informed that the dispute was still under investigation. On XX/XX/XXXX, I called again and spoke with Supervisor XXXX ( XXXX # XXXX ), who also told me that the investigation was ongoing. I reminded him that FCRA 605B mandates no further investigation is required from creditors once a sworn identity theft affidavit and supporting documentation are submitted. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX # XXXX ), who claimed to be the highest-level authority available to discuss my case. XXXX informed me that my 605B identity theft dispute could not be blocked, and I would need to wait for 30 days for the investigation to close. I explained that, per the law, the investigation should not be necessary for a 605B deletion request, but he said there was nothing more he could do.

This raises serious concerns about the handling of my 605B request, as I believe it is being improperly treated as a standard dispute rather than an identity theft deletion request, which should have been addressed within XXXX business days. Additionally, I believe this failure to act violates FCRA Section 605B. 

Furthermore, I have submitted complaints to credit reporting agencies ( CRAs ) regarding accounts that are the result of identity theft and should not be on my report. These accounts were allegedly " verified '' without any transparency regarding the sources used for verification. Under FCRA 611, I request that the CRAs provide the sources of information they relied upon in verifying these disputed accounts. If the CRAs can not produce valid sources, I demand that all contested items be removed from my credit report, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation