vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: NC

Complaint narrative:
I have disputed the information from XXXX XXXX XXXX with XXXX, Equifax and XXXX several times. The credit reports are updated with inaccurate information in which XXXX, XXXX and Equifax has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. Equifax they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX Equifax and XXXX are all 3rd parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with Equifax XXXX and XXXX about the information on the reports they have opted not resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: NC

Complaint narrative:
I have disputed the information from XXXX XXXX XXXX with XXXX, XXXX and Experian several times. The credit reports are updated with inaccurate information in which XXXX, Experian and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with Experian in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX XXXX and Experian are all 3rd parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX XXXX and Experian about the information on the reports they have opted not resolve this.

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
About 6-7 years ago XXXX informed me that I had a bill with them. I cant remember how but I let them know that I never had an acoount with XXXX. It was resolved and I didnt hear from them anymore until about 2 or 3 years later and it was a collection agency by the name of XXXX XXXX XXXX and I told them the same thing and they sent me a letter saying that they would remove it from all the credit bureaus. Then three years later another collection agency by the name of Jefferson Capital Systems reported something negative to my credit. I called them up and let them know the situation but nothing was resolved. I sent them a letter and disputed this. Im tired of the harassment just because a collection agency buys debts that the original company cant profit off. My credit is good. I pay all my bills on time and I have nothing in collections. I am not responsible for this debt. My credit has suffered massively due to this and a student loan that I will be making a complaint for as well. Please help me put a stop to these vultures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have sent SYNCBXXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any 3rd party. XXXX XXXX and XXXX are all 3rd parties. SYNCB has also stated that they dont provide personal information to 3rd parties and in this situation they have. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated.I have disputed the information from SYNCB/XXXX  XXXX XXXX with XXXX, XXXX and XXXX several times. The credit reports are updated with inaccurate information in which XXXX, XXXX and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with XXXX was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX XXXX and XXXX about the information on the reports they have opted not resolve this. SYNCB has been informed and also chooses not to follow the law.

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 2024-02-23 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: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
The debt collector applied a collection account to my credit report and I explained to them this debt did not belong to me. I have never lived at the address. The agency is engaged in deceptive, unfair practices which is in direct violation of the FDCPA policies

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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Received certified letter for civil complaint for a judgement of {$1100.00} about a debt I know nothing about. Have not been given verification or validation information such as the proof that I am indeed the party they are requesting to pay this debt. I sent them a verification via certified mail asking for the account details such as an itemization of current amount of the debt that reflects interest, fees, payments, and credits since a particular date. I have not received any such info that is required under the FAIR CREDIT EXTENSION ACT. I was given no option to discuss or dispute the said debt that is actually time barred as of XX/XX/2024 according to their paperwork that has been received.

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 2024-02-23 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: UT

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One reported lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
In accordance to the fair act XXXX account : XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
Inaccurate account needs to be removed immediately

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 2024-02-23 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: NM

Complaint narrative:
i am a victim of identity theft someone has been using my personal information to obtain goods and services using my personal information

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Westlake Financial reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: VA

Complaint narrative:
This a second complaint with XXXX credit card. The information being reported is over 45 days past the time since my first request from XX/XX/year>. The information being reported from my first investigation to now has only changed for the worse. I purchased the credit monitoring and requested copies of my credit reports and as of XXXX XX/XX/year> the information is still incorrect. I dont want to wait 60 days for information to be reported. If I was late on a payment the information would be reported on day XXXX of the due day. Why is it so hard to report payment information when made on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: TX

Complaint narrative:
Again raising concern that Westcreek XXXX XXXX has never provided debt validation nor rights to dispute. Understand that westcreek is a XXXX party creditor however, I still have right to fcra and in order to validate, information is needed. 

Westcreeks generic response and delay in providing necessary documentation is causing undo financial and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
My credit is reflecting inaccurate information. There is a lot of accounts that are not 100 % accurate and have also never been fully verified to me either. I keep getting ignored by this agency.

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 2024-02-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have sent documents to Amex from XXXX and XXXX confirming the XX/XX/2023 charge with XXXX was fraudulent and was not done by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
XXXX XXXX I sent a certified letter to credit bureau requesting that all information besides my name ( XXXX XXXX XXXX XXXX, current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ), current employer ( XXXX XXXX ) and phone number ( XXXX XXXX XXXX ) be updated. I requested that ALL other personal information be removed, as I never lived at those address, the names are not my birth names. I included with this letter a copy of my drivers license with my current address & date of birth on it, I also included my social security card and a utility bill. As of today no info has been removed. This violates my rights as this is inaccurate information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-23 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX and XXXX of XXXX I submitted electronically two payments to Dell which brought my purchase of a laptop as paid in full. Some time later I received a notic e from Dell 's financial institution, Comenity Bank, that my account was over due. After contacting my bank, XXXX, I saw that the checks had been sent and I requested Proof of Payment of both transactions which I sent to Comenity Bank ( see attached ) .After a prolonged investigation on their part they wrote me ( ltr attached ) that these checks were cashed by someone unknown and that I was still, liable for the two amounts plus late fees. I do not believe I am not responsible. This also impacted my credit score which was always over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, on behalf of XXXX XXXX concerning their reporting of a judgment on my credit report. I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that warrant immediate investigation and resolution. Details of the Complaint : **1. Re-aging of Debt ( 15 USC 1681c ) : ** Equifax, on behalf of XXXX XXXX, is reporting a judgment on my credit report, which appears to be re-aged, thereby extending the reporting period beyond the legally allowed timeframe. Re-aging a debt violates the FCRA, specifically under 15 USC 1681c, as it misrepresents the actual status of the judgment and extends the negative impact on my credit report. **2. Inaccurate Reporting ( 15 USC 1681e ( b ) ) : ** The information provided by is inaccurate as it does not reflect the current and accurate status of the judgment. The inaccurate reporting of this judgment is a direct violation of 15 USC 1681e ( b ) of the FCRA, which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they provide. **3. Use of Outdated Information to Persuade Adverse Actions ( 15 USC 1681b ) : ** Equifax, on behalf of XXXX XXXX is using outdated information in reporting the judgment, leading to potential adverse actions against me. This is a violation of 15 USC 1681b, as the reported information is not a true reflection of my current financial status. This inaccurate portrayal can have severe consequences, affecting my ability to secure credit or make important financial decisions. XXXX*4. Discrepancies with Other Credit Bureaus : ** Equifax, XXXX, and XXXX are reporting the debt associated with the judgment as current and paid on time. The inconsistency among credit reporting agencies raises questions about the accuracy and validity of the judgment reported by Equifax, on behalf of XXXXXXXX XXXX. I challenge the validity of the judgment and request that Equifax, on behalf of XXXX XXXX provides proof of the accuracy of their reporting. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into the aforementioned violations committed by Equifax, on behalf of XXXX XXXX. I expect that appropriate action will be taken to rectify these violations and ensure compliance with the FCRA. Enclosed with this complaint, please find supporting documentation, including credit reports from multiple agencies highlighting the discrepancies in reporting. Thank you for your immediate attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these violations and protect consumers ' rights. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
My credit is reflecting inaccurate information. There is a lot of accounts that are not 100 % accurate and have also never been fully verified to me either. I keep getting ignored by this agency.

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