vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide

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 2025-01-10 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: FL

Complaint narrative:
I XXXX XXXX was in contact with XXXXXXXX XXXX XXXXXXXX to refinance my mortgage and to pull equity out of my home value to pay off some of incurred debt around XX/XX/XXXX, they instructed me not to pay any of credit cards due them going to paid off from the new loan agreement after months of push back we didnt until XX/XX/XXXX, which resulted in my XXXX XXXX credit card being marked late as well on my credit report. My loan with XXXX was immediately transferred a few days later effective XX/XX/XXXX stating my first with XXXX was XX/XX/XXXX due to my error I didnt realize that I had to pay XXXX loan payment on XX/XX/XXXX. My credit is reporting that I am currently 90 days late on my mortgage which is incorrect, due to my own error and my loan being transferred to XXXX I technically am only 30 days late on my mortgage loan. I have attached loan documents supporting this claim as well as the loan transfer letter, XXXX mortgage loan statements from XXXX, my previous mortgage loan lender payoff letter from XXXX XXXX XXXX XXXX my XXXX XXXX XXXX. I have also disputed this issue with all 3 credit bureaus XXXX, Equifax, & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I XXXX XXXX was in contact with XXXXXXXX XXXX XXXXXXXX to refinance my mortgage and to pull equity out of my home value to pay off some of incurred debt around XX/XX/XXXX, they instructed me not to pay any of credit cards due them going to paid off from the new loan agreement after months of push back we didnt until XX/XX/XXXX, which resulted in my XXXX XXXX credit card being marked late as well on my credit report. My loan with XXXX was immediately transferred a few days later effective XX/XX/XXXX stating my first with XXXX was XX/XX/XXXX due to my error I didnt realize that I had to pay XXXX loan payment on XX/XX/XXXX. My credit is reporting that I am currently 90 days late on my mortgage which is incorrect, due to my own error and my loan being transferred to XXXX I technically am only 30 days late on my mortgage loan. I have attached loan documents supporting this claim as well as the loan transfer letter, XXXX mortgage loan statements from XXXX, my previous mortgage loan lender payoff letter from XXXX XXXX XXXX XXXX my XXXX XXXX XXXX. I have also disputed this issue with all 3 credit bureaus XXXX, XXXX, & Experian.

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 2025-01-10 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.
State: OH

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. This account also shows false information from one one bureau. I have multiple inquiries which I am not aware of. Only being reported through Transunion. 

XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX ( two on this date ) XX/XX/year> 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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
My account or card ( I've received mixed information ) has been placed on hold and my account has been under review since XX/XX/year> ( 2 days ago ). 

I was attempting to move funds to my external investment accounts when I began receiving declined transactions. 

I have been on the phone with them twice - today and yesterday - and even spoke to their review department, which I was originally told was not possible. I have given them all verification needed, and have informed them that the transactions are not fraudulent. 
They have refused to give me any information regarding the hold, or an eta for its release. It has now been 2 full days. I have bills to pay, automatic payments that will accrue late fees, and investments to purchase which are fluctuating by the day. And every day they withhold MY money, they are costing me!

>>> They do NOT own my account. I do. They manage it. And they are refusing to inform me or allow access to MY funds, without any valid reason. <<< I have already submitted a complaint to them directly, am listing this complaint, and after 11 years of banking with them, I will be closing both my business and personal accounts.

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 2025-01-10 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: TX

Complaint narrative:
XX/XX/year> Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Equifax must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-10 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: FL

Complaint narrative:
I never applied for credit with this company and Experian is the only credit agency reporting this inaccurate information. I tried to call the company with no success in reaching anyone regarding these inquiries!

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 2025-01-10 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: OH

Complaint narrative:
Medical provider is charging for an additional office visit for my annual preventative visit in XX/XX/XXXX. No other services were rendered in addition to establishing a doctor/patient relationship and conducting a preventative annual visit. I disputed this in writing in XXXX and they fail and refuse to validate the additional charge. I filed a XXXX Complaint but they still did not validate and XXXX said they have to close complaints within 30 days. I filed a complaint with the Ohio AGs office and they closed the complaint and said that the company did not want to resolve the matter. I disputed it several times in writing to the original creditor. They turned this over to collections. On XX/XX/XXXX I sent all of the documents to the collection agency that I sent to the original creditor again disputing the debt. The collection again has failed to validate this debt and has called me 4 times ( daily ) without validating this debt. This is a clear violation of FDCPA. I sent a copy of my XX/XX/XXXX dispute to the Collection Agency again disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
XXXX, XXXX and TransUnion Dear, Credit Reporting Agencies I am writing to formally request an investigation into inacc urate and incorrect infor mation on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have identified discrepancies that I believe are erroneous and negatively impacting my credit XXXX XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and correct or remove any information found to be incomplete, inaccurate, or unverifiable within 30 days. I respectfully request that you : XXXX. Conduct a thorough investigation 2. Remove or correct any information found to be inaccurate or unverifiable.

3. Provide me with a written statement detailing the results of investigation.

Please note that under 15 U.S.C. 1681i, if the information can not be verified, you are legally obligated to remove it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the investigation has been completed and that my credit report has been updated accordingly.

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 2025-01-10 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: MO

Complaint narrative:
XXXX, Experian and XXXX Dear, Credit Reporting Agencies I am writing to formally request an investigation into inacc urate and incorrect infor mation on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have identified discrepancies that I believe are erroneous and negatively impacting my credit XXXX XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and correct or remove any information found to be incomplete, inaccurate, or unverifiable within 30 days. I respectfully request that you : 1. Conduct a thorough investigation 2. Remove or correct any information found to be inaccurate or unverifiable.

3. Provide me with a written statement detailing the results of investigation.

Please note that under 15 U.S.C. 1681i, if the information can not be verified, you are legally obligated to remove it from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the investigation has been completed and that my credit report has been updated accordingly.

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 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened an account on XX/XX/year>. I made a purchase on a promotional account for {$16.00}. I did not receive a statement. However, I previously had a Victoria 's Secret card so I was able to pay the balance in full. Later, I received the card in the mail and decided NOT to activate it. I then months later in XXXX received my XXXX statement indicating although my payment was received in full, they were charging me a late fee and interest. The statement shows NO PURCHASES. It also shows my payment of {$16.00}. I called the company and told them of the errors, that my payment was on time and so there should not be any interest charges or late fees. I told them to send me proof if they are not going to correct the errors. I also told them to please investigate for fraud because I had not activated the card and had not used it. They never got back to me on the results of any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i see some fraudulent inquiries in my report that's hurting my account. Please remove them as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation