vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Every time I make a payment on-line or by phone I am charged a fee. {$5.00} or {$15.00} My mortgage was originally with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a Loan Modification sometime in XXXX which wasn't much of a modification because I DID NOT receive a permanent relief as many years were added to the mortgage and I received a step interest rate which allows the interest rate to revert to the original interest rate. Notwithstanding this, XXXX SOLD my mortgage to SPS Servicing, which has very few options for payments without a fee. 

Lately I was told that if I make the principal and interest payment alone, I will not be reported late to the Credit Reporting agencies, but that was after reporting me late for XXXX. This has caused a decline in my credit score of about XXXX XXXX. ( I also do not have the option to make partial payment on-line but have to do a phone payment which is costing me {$1500.00} each time Please investigate this for me. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-21 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-21 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: PA

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 XXXX XXXX ( an original XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} - Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/Open XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NV

Complaint narrative:
XXXX charged off my account in XX/XX/XXXX but has inaccurately continued to report the account as being in collections to Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This reporting inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and up to date. 

When I disputed this with Experian, they responded within an hour stating the reporting would remain unchanged, despite the clear violation of the FCRA. I am requesting a proper investigation and resolution to ensure compliance with the FCRA and accurate reporting of this 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 2024-12-21 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am contacting LVNV FUNDING LLC to request a thorough review and verification of information reported on my credit file by their company. I have identified several discrepancies in my credit report that I believe require immediate attention. Below are the details of the accounts in question : LVNV FUNDING LLC ( Account XXXX ) Issue Identified : This account is marked as Collection with a balance of {$1100.00} and {$490.00}. Payment history for 2024 indicates continuous collection status, but the underlying original creditor details are unclear. 


Request : Validate this debt with the original creditor information. 
Provide records of how this balance was calculated and confirm ownership of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I met in person with someone to help assist with XXXX XXXX XXXX for my condo. I paid XXXX for XXXX XXXX XXXXhrough CashApp that was never delivered and have been ignored by the scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items below. 
Account Name : XXXX XXXX Account Number : XXXX You are reporting a late payment on XX/XX/year> yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this late payment off my credit report and update to paid on time due to my FCRA rights.

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 2024-12-21 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
Formal Complaint Regarding {$300.00} XXXX  XXXX I am writing to formally lodge a complaint regarding your recent promotional offer, which promised a {$300.00} bonus upon meeting specific eligibility criteria. Despite fulfilling all the stated requirements, I have yet to receive the bonus within the promised timeframe. 

As part of your promotion, I was required to : 1. Open an account during the promotional period.

2. Make three consecutive payroll deposits, each totaling {$1000.00} or more, over three months. 

I successfully completed these requirements by making qualifying payroll deposits in XXXX, XXXX, and XXXX. After not receiving the {$300.00} bonus within the promised timeframe, I contacted your customer support team via chat. Your representative confirmed that the three payroll deposits required for the bonus were indeed made. Despite this confirmation, I was informed that the bonus will not be paid out, which is entirely unjustified and contrary to the terms of your promotion.

The failure to honor this promotion reflects poorly on your institution and undermines the trust customers place in your credit union. This situation has caused me considerable frustration and inconvenience. 

The resolution I seek is simple and fair : I request that the promised {$300.00} bonus be credited to my account immediately as per the terms of the promotion. 

If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue.

I trust that First Tech Federal Credit Union values its customers and adheres to its promotional commitments. I expect your prompt response and resolution to this matter. Please respond within [ reasonable timeframe, e.g., 7-10 business days ] to avoid further escalation.

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 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
My information was exposed in a data breach with experience, credit cards, and other information retaining to this was exposed and put on the XXXX XXXX, including my Social Security number I mean, everything is literally on the dark web. If someone wanted to pretend to be me its completely easy my birth certificates up there copies of my drivers license everything.

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 2024-12-21 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Capital One regarding their continued inaccurate reporting of a debt on my XXXX credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit score and financial reputation.

Key Issues : Incorrect Reporting of Sold Debt : Capital One is reporting a balance of {$470.00} on my XXXX credit report, even though this debt was sold to XXXX XXXX XXXX. 
Under the FCRA, once an account is sold, the original creditor is required to update the balance to {$0.00} and note that the debt was transferred or sold. Capital One has failed to update this information properly. 
Impact on My Credit Report and Score : The continued reporting of this balance by Capital One creates confusion and misrepresents my financial obligations, resulting in a negative impact on my credit score.

This inaccurate reporting has adversely affected my ability to secure financial opportunities.

Failure to Address the Issue : Despite previous disputes and attempts to resolve this matter directly with Capital One, they have not corrected their reporting.

Resolution Requested : I request the following actions : Immediate Update of the Account : Capital One must update the account on my XXXX credit report to reflect a {$0.00} balance and clearly indicate that the debt was sold to XXXX XXXX XXXX. 
Removal of Inaccurate Reporting : If Capital One can not validate the current reporting, I request that the account be removed entirely from my XXXX credit report. 
Compliance with the FCRA : Capital One must ensure their reporting practices comply with the FCRA to avoid future inaccuracies. 
Supporting Documents Enclosed : A copy of my XXXX credit report showing the incorrect reporting by Capital One. 
Correspondence with Capital One regarding this dispute. 
Impact and Final Request : The continued inaccurate reporting by Capital One on my XXXX credit report has caused significant financial harm and undue stress. I kindly request the CFPBs assistance in ensuring Capital One updates this account appropriately and in compliance with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased this this " XXXX '' XXXX XXXX gift card issued by XXXX, XXXX, serviced by Incomm Financial Services , Inc., on XX/XX/year>, via XXXX. The purchase amount was {$74.00}, which is {$70.00} in funds on the card, and there was a purchase fee of {$4.00}. I have tried repeatedly since I purchased the gift card to pay my monthly XXXX XXXX XXXX of {$5.00} and it will not authorize. I have logged in to the issuer 's website to see if there is a decline reason, and it shows no activity. Tonight I tried to purchase a streaming movie from XXXX for {$12.00}, and both attempts declined, and once again, I logged into the issuer 's website to see if there is a decline reason and it shows no activity. I feel that the issuer is not authorizing the funds in order to use my money, while they hope that I just give up. I do not hold XXXX responsible, but I do hold XXXX, XXXX, the card issuer responsible along with Incomm Financial Services , Inc .

Company response to consumer: Closed with explanation