vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

XXXX. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


XXXX. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


XXXX. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


XXXX. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations. 



Requested Resolution : XXXX. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report. 


XXXX. Please provide me with purchase agreement verifying the accuracy and legality of the information in question, as required by federal law. 


XXXX. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter. 



Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit file. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report. 
Fraudulent Account XXXX. XXXX - Account XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Amount : {$7300.00} Unauthorized Inquiries XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/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 2024-12-01 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes, with stating that They belong to XXXX - XXXX. XXXX doesn't even perform a real investigation, ever, They just replicate their responses over and over. I have filed a Lawsuit in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am asking for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my XXXX credit report. Please delete ALL of the Following : XXXX ) XXXX  {$3700.00} Charge off That Still reports Late Payments - See Attached Criminal Reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Several days ago I was attempting to change mobile carriers and the new company tried to check my credit report at Experian with no success. I advised that I kept all my credit reports frozen but went ahead using Experian 's chat bot to change my password and create a " thaw '' etc. Despite this the company continued to be unable to access my credit. When I got home I logged on to the Experian site and confirmed that the freeze had been lift and I in fact extended it for several more days. When I returned to the new carriers office they were still unable to access my credit report. I have tried repeatedly since then to speak with a human being at Experian and it appears totally impossible. Furthermore their AI chat bots appear to have no AI and are the most useless, frustrating things I have ever dealt with. I would like to know how these people even stay in business.

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 2024-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed several inaccuracies on my Equifax credit report XXXX XXXX, and the issues remain unresolved. These inaccuracies include : An incorrect alias listed as " XXXX XXXX. '' My name is XXXX XXXX, and this is the only name that should appear on my credit report. 
An unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/XXXX, which I did not authorize. 
XXXX XXXX XXXX  accounts from the Florida Department XXXX XXXX ( # XXXX and # XXXX ) showing a last activity date of XX/XX/XXXX. These accounts have exceeded the seven-year reporting limit as per the Fair Credit Reporting Act ( FCRA ) and should have been removed. 
Personal information such as my date of birth and Social Security number, which I have repeatedly requested to be removed for privacy and security reasons. 
Equifax has failed to correct these issues despite my repeated disputes. This lack of action violates my rights under the FCRA, which requires accurate credit reporting and mandates the removal of outdated or unauthorized information. I am escalating this matter to the CFPB to ensure compliance and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX and XXXX XXXX. XXXX ( b ). The following account show inaccuracies Account Name : XXXX XXXX  ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under XXXX XXXX. XXXX. Under XXXX XXXX. XXXX ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, XXXX remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. Thank you for your attention to this issue. Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CA

Complaint narrative:
I am writing to file a formal complaint against Experian, XXXX and XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). The following account show inaccuracies Account Name : XXXXXXXX XXXX  ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i. Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. Thank you for your attention to this issue. Sincerely, XXXX XXXX XX/XX/year>

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 2024-12-01 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: NY

Complaint narrative:
My problem is with XXXX, but I could not figure out how to describe it given the choices. XXXX and XXXX XXXX XXXX. both sent me letters indicating that my loans were forgiven under XXXX  and that my balance is XXXX as of XX/XX/year>. I noticed the loans still appeared on my Experian credit report. I then disputed the student loan debts ( these were diXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with all three credit reporting bureaus on or about XX/XX/year>. Experian and XXXX wrote me back that they inquired with XXXX, and XXXX indicated my student loan debt was not a XXXX balance but rather the full amount prior to forgiveness. I have not yet heard from XXXX. 

I am afraid XXXX will bide its time and reinstitute the debt once the XXXX administration takes over. XXXX needs to inform the credit bureaus of the XXXX balance.

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 2024-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to deduct XXXX points from credit score every month that keeps under a XXXXXXXX XXXX XXXXXXXX XXXX for no legitimate reason this an ongoing issue with Experian. Im starting to like there discriminating against me not limited to me being XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Experian Call center representative are of other nationalities. XXXX requesting a investigation and my points returned to there proper perspective.

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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I discovered that the credit card company had been sending emails regarding my personal purchase history to an ex-girlfriend of mine who I have not spoken to with in the last 10 years. She was never a member on this account. This account was only opened a year ago and none of her personal information was ever provided for this card, they linked it to an old account that had been closed for a decade and gave her my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TX

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 2024-12-01 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: Experian Information Solutions Inc.
State: TX

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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I recently checked my credit report and saw a collection from XXXX  by NCA original creditor : XXXXXXXX XXXX XXXX XXXX in the amount of {$740.00} ; this is not my debt and this can be nothing more than Identity Theft/Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was Scammed by an impersonator posing as my landlord and his attorney into sending rent payments to a Navy Federal Credit Union account belonging to the claimed attorney named XXXX XXXX. After discovering the individual posing as my landlord and his attorney was an imposter, I notified my bank and the police, but Navy Federal Credit Union said they couldnt freeze or recall my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I received an email from NetCredit saying my application was denied, but I have not applied for anything in over a year. The creditor listed on the email is XXXX XXXX XXXX XXXXXXXX XXXX. This business is not listed at the address provided, not do any of the phone numbers provide any option other than asking for your social security number. This is a fraudulent business that needs to be reprimanded. I'm very frustrated because I have been avoiding inquiries to improve my credit and this will set me back until removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/year>

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 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CA

Complaint narrative:
on XX/XX/XXXX I applied for a credit card through First Progress, I never received this card despite receiving an email that it was approved on XX/XX/XXXX I received an email that the First Progress credit card applied a payment to the account payment center - I do not have access to this credit card account as I've never received the card. This caused my credit to jump from XXXX to XXXX on XX/XX/XXXX I called First Progress ; the customer service line transferred me to the fraud department- they did not believe this report of fraud, it took at least XXXX minutes to convince them that this was happening. They supposedly flagged it for fraud on the transactions and froze the account on XX/XX/XXXX I received an email that my credit has decreased significantly - from XXXX to XXXX on XX/XX/XXXX I called XXXX and they had a fraud alert attached to my accounts and advised me to called a credit bureau - I have an account with XXXX so I also called them on XX/XX/XXXX Experience flagged my credit for fraud and advised sending in this fraud report As of XX/XX/XXXX, first progress said that I hadnt called or given any information as to reporting fraud - even though on XX/XX/XXXX I did- I also closed my account to them and paid whatever was owed by whoever used by card {$26.00} and was told this account was closed. As of XX/XX/XXXX, THIS ACCOUNT IS STILL BEING USED EVEN THOUGH I CALLED TO CLOSE IT IT SAYS ITS NOW AT {$290.00} with a {$99.00} overdraft fee I WANT THIS ACCOUNT CLOSED, WHY HAVENT THEY CLOSED IT? I AM NOT USING THIS AND THEY HAVE NOT CONFIRMED OR PUT DOWN ANY OF THE CALLS IVE DONE SINCE XXXX

Company response to consumer: Closed with explanation