vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 181555288 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: LA

Complaint narrative:
inaccurate information being reported to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-20 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-20 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: TX

Complaint narrative:
I am disputing the inaccurate and unlawful reporting of a non-existent child support account by Experian and other credit bureaus, which claims to originate from Indiana XXXX XXXX Child Support Services. The account details include a balance of {$52000.00} and a past-due amount of {$52000.00}. However, I have verified through investigation that no such account exists in the records of XXXX XXXX Child Support Services, and there is no open child support case associated with me. 

Despite multiple disputes raised with the credit bureaus, they have failed to conduct a proper investigation or provide evidence to support the accuracy of this account. Instead, they continue to report this account, causing severe damage to my creditworthiness, financial stability, and ability to provide for my children. 
Key Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a proper and reasonable investigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Failure of the data furnisher to provide accurate or verifiable information.

15 U.S.C. 1681c : Reporting outdated, incomplete, or unverifiable information.

Consumer Harm : The reporting of this fictitious account has caused significant harm, including denial of credit opportunities and emotional distress, while undermining my ability to provide for my family.

Resolution Sought : I am requesting the CFPB to : Investigate the reporting practices of Experian and other credit bureaus in this matter.

Ensure the immediate deletion of this non-existent account from all credit reports. 
Require credit bureaus to provide a full explanation of their investigation process and compliance with FCRA. 
Hold the data furnisher ( XXXX XXXX Child Support Services ) accountable for providing false or inaccurate information, if applicable.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
For the past 4 months, the legal representation for the Estate of XXXX XXXX, deceased, has been attempting to set up a line of communication between us and the lender. We have records that show that my attorneys have sent authorization attorney letters for XXXX XXXX to speak to Citizen 's Bank. The attorney letter states they represent the estate for the property and have the estate 's authorization to communicate with the bank on behalf of the estate. Again, these documents were sent to the lender, over 15 times in the past 3 months alone, from XX/XX/year> to now, XX/XX/year>. Citizen 's Bank, after refusing to give my attorneys authorization to speak with them, requested a death certificate, letters of office, and an additional authorization letter that authorizes our lawyer, XXXX XXXX. One week ago, they sent this in, and the law firm received an email confirmation stating that Citizen 's Bank had received the authorization. They called the lender yesterday, and were denied access to the account, told that Citizen 's Bank had not received any documentation from them whatsoever. It's not only XXXX XXXX that has had this issue with the lender, too. XXXX XXXX, our agent, had been attempting to gain authorization for 4 months before XXXX XXXX was taken onto the case by us. 4 months where XXXX would send in documentation, and then be told by Citizen 's that she was not authorized. Not once has Citizen 's attempted to reach out and fix this issue. All they continue to do is deny our representatives access to the account and push them away. It's as if they don't care that the house will be foreclosed, and by not giving our legal representation a line of communication, the house will be.

Please see the documents attached below, indicating ( in order ) : 1. The email chains, dating over the months between XXXX XXXX and the lender, all asking for authorization. Also please note the most recent email stating that the lender received the sent documentation, but still refuses to authorize our representation. Faxes and fax confirmations are also attached, showing what was sent, when, and that it was received by the lender. 

2. Signed attorney authorization letter, XXXX XXXX 's Death Certificate, the letters XXXX office- All the required documentation needed for XXXX XXXX to be authorized. 

3. The quit claim deed and mortgage for XXXX XXXX XXXX XXXX showing XXXX XXXX as the owner and borrower XXXX record. 

4. The entire package for the short sale, including : Contract, HUD, Listing Agreement, Proof of Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank calls from multiple numbers, sometimes up to XXXX times daily in an attempt to collect payment for closed credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 91681 Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity 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 2024-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XX/XX/year> Central Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Central Portfolio, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence XXXX force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
Two {$500.00} transactions via XXXX on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not the name I was given at the time for the account yet the other bank which I still do not know the legal name of accepted the transfer to this account ). I reported it to my bank ( Schwab ) when I realized it was fraud same day ( the person misrepresented themselves and situation ). Schwab Bank did not offer a satisfactory recourse or information to hold the other bank accountable which the fraudulent party used, nor give me the OTHER BANK 'S LEGAL NAME to properly report them for doing nothing about it nor holding the account that did it responsible or even requiring a legal response from the other party to prove themselves. The other bank according to Schwab only said they could do nothing about it and Schwab accepted this. Nothing else was done to assist me or hold the fraudulent party responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
Mohela handles my student loans. In XXXX, I paid my loans down to a balance of {$7500.00}, but since then {$71.00} was added to my balance. This should not be happening, since all of my loans currently 0.0 % interest. ( studentaid.gov also shows my balance at {$7500.00}, without the additional balance that Mohela added ). I called three times, and spoke to Mohela representatives, who also told me that my loans are at 0.0 % interest, and that interest should not be accruing. They could not provide me with an answer for why the balance was added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-20 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Someone asked me to invest some money and they would be able to proved me with the result. They just took the money and didnt provide the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX TransUnion XXXX XXXX XXXX, PA XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

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 2024-12-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX TransUnion XXXX XXXX XXXX, PA XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt.

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

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