vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2025-01-04 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was incarcerated for several years and was only released within the last six months. It is impossible for me to have opened or managed these accounts during that time. 

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. 

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts. 
Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. 

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. 

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. 

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX Account number XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: AZ

Complaint narrative:
Hello I recently have been trying to dispute information on my credit that is incorrect or that I do not recognize. I also have notice many attempts that were made on my credit to view my credit information and get credit cards. I have made attempts to try to get the incorrect and fraudulent information off of my credit by writing the companies that are reporting the information to the credit bureaus. While I understand it takes sometime for this to occur, I was just given information that my social security number, email, name and address was all leaked during security breaches. This happened not once, not twice, but XXXX times since 2023. I am furious because not long may this be the reasons for the fraudulent reports and incorrect information but what other negative impacts is this going make over my financial future in my quest to better my credit. My privacy has been violated. Under 15 USC 1681, my private information is supposed to be protected. That did not happen during this breach. Millions of us will end up with issued in the near future because someone has our social security number and other private information. How are we to trust anyone with this information because our government agencies that are supposed to protect us against this kind of information breach, can't even protect us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
Hello I recently have been trying to dispute information on my credit that is incorrect or that I do not recognize. I also have notice many attempts that were made on my credit to view my credit information and get credit cards. I have made attempts to try to get the incorrect and fraudulent information off of my credit by writing the companies that are reporting the information to the credit bureaus. While I understand it takes sometime for this to occur, I was just given information that my social security number, email, name and address was all leaked during security breaches. This happened not once, not XXXX, but XXXX times since 2023. I am furious because not long XXXX this be the reasons for the fraudulent reports and incorrect information but what other negative impacts is this going make over my financial future in my quest to better my credit. My privacy has been violated. Under 15 USC 1681, my private information is supposed to be protected. That did not happen during this breach. Millions of us will end up with issued in the near future because someone has our social security number and other private information. How are we to trust anyone with this information because our government agencies that are supposed to protect us against this kind of information breach, can't even protect us.

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 2025-01-04 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 did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it.

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Ive been being contacted since before early XX/XX/year> via phone number by a company called Portfolio Recovery Associates. They claim that I owe them money. I dont recognized this debt. I requested a Debt Confirmation Letter within 30 days and they didnt provide the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
I

am disputing several unauthorized hard inquiries on my credit report and requesting removal due to lack of permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). These inquiries were conducted without my explicit consent or knowledge, and none of the entities provided contact information to allow me to verify their permissible purpose directly. The inquiries in question are as follows : 1. Factual Data Consume Inquiry Date : XX/XX/XXXX Category : Miscellaneous Reporting Agencies Issue : No permissible purpose or contact information provided. 
2. XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
3. XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 

I reviewed my credit report on XX/XX/XXXX, and identified these hard inquiries. I have not applied for credit or authorized inquiries from these entities. Under the FCRA, creditors must provide evidence of my explicit consent or a legitimate permissible purpose to access my credit file. No such documentation has been provided, and the absence of contact information further prevents me from verifying their claims. 

Actions Taken 1. Reviewed my credit report on XX/XX/XXXX, and noted unauthorized hard inquiries. 
2. Attempted to locate contact information for the above entities but was unable to. 
3. Verified that I did not initiate or authorize any transactions with these entities.

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 2025-01-04 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: NC

Complaint narrative:
What ever law suit yall going I need my Ive been with credit repair over 7yrs

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX 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, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX : {$0.00} Charge-off XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$19000.00} Late-Open

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have an account with XXXX XXXX  with XXXX I did my payment on XXXX and the person who took that payment put the account number incorrect they sent my a receipt that said everything is good But in XXXX they sent a notification that I did not pay the amount and put a negative information in my credit reports affected my credit score a lot XXXX XXXX My credit was affected so much because they did a mistake I paid all the amount of the card in XXXX In XXXX I called them to let them know there a incorrect information because I call my bank and they told they never received nothing I call them 10 times and they dont helping me with that incorrect inf affected my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting my ability to obtain credit.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MD

Complaint narrative:
Please see supporting documentation pertaining to the equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A debt that was XXXX from my credit report a year ago from XXXX XXXX, I recently improved my credit and now this company is coming after the bill again after it was already removed. They also re-aged the debt to XX/XX/XXXX when the account was originally from XXXX. I dont believe this debt to be accurate and I believe they keep changing the date on the account to further extend my liability for it. I have worked hard to build my credit and this debt is holding me back from moving forward. Please help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: GA

Complaint narrative:
" Subject : Disputed Transactions and Investigation Concerns I'm writing to express concerns regarding disputed transactions on my account with Synovus Bank. 
While I was abroad for my father 's burial ( flight tickets attached ), unauthorized transactions occurred on XX/XX/year> : - {$280.00} - {$27.00} - {$46.00} I reported these transactions and provided proof of my whereabouts. Despite two investigations, the outcome was not in my favor. I'd like to know : 1. Details of the investigation process 2. Measures taken to protect my account I'll continue to dispute these transactions until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXXXXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

3. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Please investigate and delete from my credit report 6. Validate Account XXXX XXXX Date of inquiry : XX/XX/2024 Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

Company response to consumer: Closed with non-monetary relief