vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX  Account Number : XXXX Bankruptcy Account Number : 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 2025-01-06 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:
Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Experian, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to XXXX XXXX XXXX  ( XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately. 

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors Failure to comply with this request to produce evidence of XXXX XXXX XXXX removal request, I will expect this account to be updated as paid as agreed. If necessary, to instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of Florida. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-06 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:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

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 2025-01-06 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-06 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 and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
Subject : Request for Removal from Collections Due to Equifax Data Breach Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of the Equifax data breach on my financial standing. My personal information was compromised during this breach, which has adversely affected my credit and led to the involvement of several collection agencies. 

Specifically, I am requesting immediate removal from the following collections : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to the unauthorized access to my personal information, I believe that these collections are a direct result of the breach and do not accurately reflect my financial behavior. I have taken steps to secure my identity and have reported the breach to the appropriate authorities. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC
State: NC

Complaint narrative:
I received a text message from a company that was threatening and intimidating. They did not state what the text was about but threatened to send a quick-track enforcement team to my home or business. This is the text message I received : XXXX, we are sending out a XXXX XXXX team to your business and home address to gather an organized list of assets. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time. If no time is scheduled they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank account. XXXX XXXX XXXX XXXX Carmichael & Frost . 

For help, reply HELP. To opt out, reply STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Please unblock or unrestricted my XXXX access when I try to use XXXX it it say this As youve requested, weve removed your access to XXXX. 

If you have questions, were available 24/7 at XXXX. 
I never request the access to be restricted or removed or blocked I didnt do nothing wrong to be restricted or blocked please unblock the access or unrestricted the access so I can use XXXX again and unblock the XXXX XXXX or unrestricted the XXXX XXXX and unblock or unrestricted the account XXXX  XXXX so I can use XXXX again my name is XXXX XXXX and account information is checking account number is XXXX etc. please look at the attachment below etc.

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 2025-01-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX under the account number ( XXXX ), an auto loan account opened at XXXX under the account number not listed. a personal credit open at XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX. Another personal credit card through XXXX under account number XXXX and another personal card under account number XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX XXXX XXXXXXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. 

I recently reviewed my credit report and noticed several incorrect accounts, including the one mentioned above. I believe these inaccuracies are adversely affecting my credit report and costing me significant amounts in interest annually. I understand that it is your responsibility to investigate these items to ensure their accuracy. 

Below is the account I am requesting to be reinvestigated : Account Name : XXXXAccount Number : XXXX I request that you thoroughly reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.

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 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated contact with LVNV regarding an outstanding debt. I requested that they validate the debt in accordance with legal requirements by providing me with the original assignment and documentation proving their right to collect the debt. Upon receiving the documentation, I discovered that it consisted solely of a few billing statements from the original debtor. 
I subsequently contacted LVNV to inform them that I had not received the necessary documentation required by federal law. They responded by stating that they were not obligated to provide the required paperwork, but rather only the documentation mandated by the State of New York, which I was unfamiliar with. 
I requested that LVNV remove the debt from my credit report since they were unable to validate the debt. At that time, I was informed that they would continue to report the debt until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I requested my CD not be renewed within 24 hrs of being notified it was renewed at half the interest rate than 9 mos ago. 
They want to charge me a fee of over {$50.00} to cancel. 
I have been a customer of this bank for XXXX yrs I have a savings and a checking accout with this bank and wanted the CD money transferred to my savings account, not withdrawn. But they will not waive the cancellation fee of {$50.00} + I did not know the interest rate until the day the CD renewed and when I discovered this I called my bank within 24 hrs. 
They refuse to waive the fee to cancel this renewed CD I only made {$350.00} in iterest on the original 9 mo CD at 4.92 % and they want to charge me 14 % of the the interest I originally made to cancel a CD within 24 hrs of maturity? 
I have been a loyal customer for XXXX yrs, does this not account for anything

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 2025-01-06 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: LA

Complaint narrative:
Ive tried to reach out to the XXXX credit bureaus multiple times ( XXXX XX/XX/year> XX/XX/year> ) the first problem I have is with an unknown account called XXXX XXXX XXXX Ive never used that Ive called them to ask what was it they didnt help me but it magically was removed the next day I told them about my account being exposed in a data breech maybe thats where these unknown accounts are coming from I was told to reach out to the federal identity theft but this has gone on for far too long secondly I have an account thats closed & paid with XXXX XXXX XXXX XXXX they arent reading my dispute to even see if its correct I even asked for proof they just decline my disputes I have an unknown collection for XXXX they still havent provided proof of this account was from me.

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 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024, a credit card in my name was opened ( or reopened ) at a Home Depot in XXXX, CA. I previously had a card Home Depot card many years ago. The card was closed and destroyed years ago. XXXX XXXX XXXX says that the person claimed that they had lost MY card and were able to re-open or issue a new one. 

They purchased {$2700.00} worth of " electrical and lighting '' and " hardware ''. I did not purchase this. This was identity theft. 

I contacted Home Depot and reported the issue. I was told that I would not be responsible for the amount and that they would pursue the issue. 

My issue is that this seems to have been way too easy for someone to open an account in my name. I had credit freezes on XXXX and XXXX but apparently the freeze I had placed on XXXX had expired. 

Having worked at Home Depot for a year, I know that they push cashiers to get people to open a new card and get a minor discount on their purchase. The cashier is credited for getting a new account opened. Could this have led to the card being opened? Did they even check identification?

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 monetary relief
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
On XX/XX/year>, XXXX, my Loan Servicer paid off and discharged all of my loans due to PSLF and TEPSLF. The balance was {$0.00} and paid in full on my credit report. 
Yesterday, I noticed that on my Equifax report the loan balance was back and under XXXX  XXXXXXXX XXXX XXXX XXXX with a balance of {$140000.00}. The XXXX name was gone and this name was in its place. I called studentaid.gov and they are showing a XXXX balance as well. I have attached the confirmation that my loans were discharged/forgiven/canceled from the studentaid.gov website. I also spoke with a representative, XXXX, who also said my loan balance was {$0.00} and that I should contact the credit bureau and upload the letter of discharge/forgiveness. 
I did log into XXXX last night and it said in red " Due to the status of your loan you may not access it via the website. Please call us. '' I did so today, twice, and the respective hold times were 94 minutes and 180 minutes. 
This is an egregious error that has impacted my credit report and ability to make any large purchases etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
Some accounts on my credit report are reported with incorrect or outdated information, and this is damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XXXX XXXX 2024 i was contacted by Comenity fraud dept via text message and a voice mail about potential fraud on my newly opened Bread XXXX  credit card.I opened this account in XX/XX/year> and already there was fraud a month later.I never had fraud on any of my credit cards ever.I called Bread CS to confirm that those charges were fraud.They said that they would investigate and it took them three months even though I called the moment a got their alerts to let them know it was fraud.They still let two charges clear. Unbelievable! 
However my main issue is that since I reported fraud they cancelled my credit card and for some reason are refusing to issue a replacement.I contacted CS multiple times and always get a weird excuse.I asked them to escalate this to management and that did not help because person that responded made even weirder excuse. They also keep blaming USPS for not delivering a replacement but I know its not USPS fault.I get emails from USPS with scans of my mail every day.Two days ago I got a letter from Comenity stating that they finished their investigation and I was not at fault for fraud charges. 
I asked them to send my replacement card with tracking but they said they can't do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: Possible Financial Inc
State: FL

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear POSSIBLEFINA I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention thatPOSSIBLEFINA has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Doneingoodfaith.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation