vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as a charge-off with the following details : Creditor Name : XXXX XXXX XXXX : {$3800.00} Credit Limit XXXX {$3000.00} There are several inconsistencies with this accounts reporting that I would like to address : 1. The payment history for this account shows 120 days late in both XX/XX/year> and XX/XX/year>, which is contradictory to standard reporting practices. Delinquencies should progress monthly, and this repeated status is inaccurate. 
2. The account was charged off in XX/XX/year> but still reflects an active balance affecting my credit utilization at 129 %. A charged-off account should not continue to impact utilization unless explicitly agreed upon in the original contract.

3. The reporting timeline appears manipulated, as the charge-off was delayed despite prolonged delinquency. 

Under the FCRA, all information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you investigate this account with the creditor and provide supporting documentation to verify its accuracy. If the information can not be verified, I request that the charge-off and all related negative marks be removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX  - XXXX {$120.00}, XXXX  - XXXX - {$1400.00}, XXXX  XXXX XXXX XXXX XXXX XXXX {$6.00}, XXXX XXXX XXXXXXXX XXXX {$740.00}, XXXX - XXXX XXXX {$4400.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
por the guidance from the Consumer Financlal Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping XXXX to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002 142 ( b ) ( 4 ) -5-1002.142 ( bX7 ) 1 kindly request that you block this information from my credit report within four business days, pursuant lo section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would Ilke foriall listed accounts to be blocked and deleted company information Transunion. Please delele the following accounts. XXXX XXXX  {$850.00}, XXXXXXXX XXXX {$2500.00}, XXXX  XXXX {$600.00}, XXXXXXXX XXXX XXXX {$550.00}, XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX {$140.00}, XXXX XXXX {$550.00}, XXXX XXXX XXXX XXXX {$840.00}, XXXX XXXX {$140.00}

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-01-08 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: DE

Complaint narrative:
Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The previous bank account, a joint account with my father at XXXX XXXX, was closed. XXXX XXXX issued a cashiers check for the remaining balance, which includes both my fathers name and mine. 

My current account at Citibank is solely in my name. After depositing the check on XX/XX/2025, Citibank blocked my account on XX/XX/2025. 

As a result, I have no access to my funds and can not pay my bills.

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have been paying a debt relief program for almost 5 years ( {$500.00} ) per month on {$18000.00} and I still owe them {$12000.00}. This has been false advertisement because they continue to send me statements about creditors that have not been paid but the initial agreement was to include all my creditors. They have sold my loan from one company in XXXX to another since XXXX. I have paper work from the current creditor, I don't have a copy of the original loan creditor

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These are some credit inquiries on my report from Experian file these are not mines

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 2025-01-08 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: FL

Complaint narrative:
I am writing to file a complaint following the breach of my personal information, which has led to identity theft and subsequent inaccuracies on my credit report.

**Details of Complaint : ** **FTC Report Filed : ** I have contacted the Federal Trade Commission ( FTC ) regarding this matter and filed an FTC Identity Theft Report. The report number is XXXX. 

**Identity Theft and Data Breach : ** I am a victim of identity theft. My Social Security number and other personal information have been compromised, leading to unauthorized accounts and transactions. 

**Unauthorized Accounts : ** - XXXX XXXX Personal Credit Card - XXXX XXXX Personal Credit Card **Erroneous Reports : ** The theft has resulted in incorrect entries including : - Fraudulent collections - Hard inquiries not initiated by me- Inaccurate late payments by XXXX XXXX XXXX 

A XXXX XXXX Bankruptcy filed on XX/XX/XXXX, A XXXX XXXX Bankruptcy filed XX/XX/XXXX, A XXXX XXXX Bankruptcy filed XX/XX/XXXX with the U.S. Bankruptcy court. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections on my consumer consumer FICO Credit report.

All of the aforementioned accounts, collections, and hard inquiries are the result of Identity theft fraud. I demand that all fraudulent items be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to the FCRA FDCPA laws. 

**Legal Rights and Demands : ** - As per 15 USC 1681c-2, I formally request the blocking and removal of all fraudulent information from my credit reports.

- I demand receipt of an updated credit report showing corrections.

**Transaction Verification : ** I request a detailed record of all transactions related to XXXX XXXX to verify discrepancies in payment acceptance. 

- Immediate investigation and correction of my credit reports as per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) laws. 
- Written assurance that all fraudulent activity ceases and future protections are implemented. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that CFPB, the XXXX 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. 
-- - Please ensure this complaint is handled with urgency. Thank you for your attention to this important matter. 

Thanks you

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 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made a purchase at XXXXXXXX XXXX XXXX XXXXy and the owner offer a card, I thought I was getting a card you stamp for purchases! I keep getting harassing phone calls from Comenity capital bank, now they say I owe {$200.00} and I've never received a card to activate or any other correspondence as they don't know my address. They are ruining my XXXX XXXX each month. I sent a letter to Comenity XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX requesting this account be closed, and explaining I have never received anything from them in the mail. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX E-mail : XXXX XXXX They never responded!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Charged off XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} Late/Closed XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$12000.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$2400.00} Collection XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Late/Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc.
State: NM

Complaint narrative:
I have reached out to the company US west collections To pay off a debt owed they responded with an email of a company that says they do not work with them and they refuse to help me get my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I contracted with an individual owning an automobile restoration shop to repaint a vehicle owned by me. The individual requested that I pay a {$5000.00} deposit via XXXX to purchase materials and to start the labor. I did so using two different credit cards, thinking that I would be doubly protected ( XXXX Purchase Protection and my respective credit cards ' fraud protection policies. One card was issued by XXXX, the other card was issued by Goldman Sachs ( Apple Card ). 

Fast forward 18 months after signing the contract, after being ghosted so many times and the person I contracted with being nonresponsive and full of excuses, I was told to have my vehicle picked up immediately. No substantive work had been done, and the materials that I supposedly purchased were not with the vehicle when it was picked up. 

I decided to file a fraud complaint with XXXX. XXXX said too bad, too late. 

XXXX declined to allow me to dispute the charge, saying that there was a 90 day maximum. 

Goldman Sachs ( Apple Card ) allowed me to dispute the charge, but found in favor of the crook. 

I have photographs of the car when it was picked up by the crook, and when it was picked up by my tow truck. I have the contract. I have text messages. It is VERY CLEAR that I was defrauded and the consumer protections offered by XXXX, XXXX, and Goldman Sachs have failed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Experian XXXX and XXXX XXXX are reporting different information on a lot of accounts for instance XXXX XXXX XXXX XXXX XXXX XXXX Are all reporting different balances and account statuses these are affecting my credit when according to 15 USC 1681 all three bureaus are to report accurately or delete the account

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I didn't ever open a KOHL 'S account, a CURRENT acct or XXXX XXXX XXXX acct and it says I did on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I started with Lexington law firm back in XXXX of XXXX. Paid my fees upfront, which was supposed to guaranteed my credit score to increase with the work they were supposed to be putting in!!!! Stopped working with them in XXXX due to no improvements as they promised which took longer to get me a house due to my score is still the same dang score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation