vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Than You XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXXXXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-12-11 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:
Experian Violated Congress codes and According to Federal Law, Experian is required to comply with the codes listed : 15 U.S.C 1681a ( 2 ) ( Ai ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681 602 AStates I have the right to privacy. 
15 U.S.C 1681 604 A Section 2-Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

I previously did not request for Experian to Verify the Accounts listed below, but Experian did it anyway, which is a violation of my rights under the Fair Credit Reporting Act. I requested for the companies to be removed from my Experian Credit Report due to violations listed above. As a National reporting agency, Experian is governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers. Businesses paid Experian and Experian accepted payment to report information ( transactions/experiences ) between consumers and persons, which is Violation of Congress Law Exclusions 2 ( A ) ( i ) ) report containing information solely as to transactions or experiences between the consumer and the person making the report, that Experian violated . In addition with the rest of the codes listed above. 

Accordingly, I request the Companies below must be deleted, Not Verified and completely removed from my credit file within 7 business days as Experian is non compliant of the 30 days response. In addition, a copy of such deletion request shall be sent/mailed to me immediately. I will continue to monitor if any action and or credit reporting repository is taken which could be considered detrimental and inaccurate to my credit report. 

Accordingly, I also request send notices of corrections to who received my credit report in the past 120 days ( 4 months ). 

Companies to be deleted : XXXX : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I received emails stating i have received a credit card to citi XXXX XXXX I never applied. I received emails on the 3rd and then on until now. I thought it was spam but then i received the card in the mail today.

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 2024-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$530.00}

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 2024-12-11 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of identity theft following major data breaches that compromised my personal information. Specifically, my sensitive information was exposed in the XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and the XXXX XXXX XXXX ( XXXX XXXX XXXX  ). These breaches released key personal information required to open fraudulent accounts, which have been used without my knowledge or consent. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent accounts resulting from identity theft blocked from my credit report. Additionally, as per 15 U.S.C. 1681i, you are required to investigate disputed information promptly and remove any unverifiable or inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request an investigation and correction of inaccuracies in my credit report. Upon reviewing my credit report, I have noticed errors in personal information, including incorrect addresses, names, and other

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 2024-12-11 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:
To Whom It May Concern : You are breaking multiple laws in regard to my consumer report.

The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.

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 2024-12-11 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: FL

Complaint narrative:
I have disputed the inaccurate reporting of the " XXXX XXXXXXXX XXXX '' account with XXXX and Equifax multiple times, yet it remains unresolved. This account is falsely reported as a mortgage, which it is not. It pertains to a timeshare product and has been misclassified as a secured real estate debt, which is factually incorrect. Despite providing sufficient evidence and filing multiple disputes, the credit bureau has not adequately investigated or corrected this error. XXXX XXXX XXXX has also failed to provide proper verification or documentation, violating the Fair Credit Reporting Act ( FCRA ). The continued presence of this erroneous account severely damages my credit profile, and XXXX 's and Equifax 's lack of resolution reflects non-compliance with FCRA standards for accurate and substantiated reporting. This account is a clear Violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
This is my XXXX attempt to remove inaccurate information from my report. I recently checked my report and noticed that there are inaccurate addresses, inquiries and a bankruptcy reporting without my permission. 

The inquiry is listed below : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

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 2024-12-11 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: DE

Complaint narrative:
This morning, I was shocked to find inaccurate accounts on my credit report, and I cant understand how this happened. I regularly check my credit report, and everything was fine until now. I even refreshed the browser, thinking it might be a glitch, but the errors didnt go away. I am pleading for a thorough review of the documents Ive sent so that I can finally stop living in fear of this happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Transunion on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXXXXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it XXXX concern, On day XX/XX/year>, I looked at my report. I sent a letter to Transunion on day XX/XX/year> asking them to reinvestigate these accounts : XXXXXXXX XXXX XXXXXXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
It does not appear that my account was debited or credited correctly for principal payments made that should have been applied to the account, as well as insurance and escrow amounts and payments. The records I have are in conflict with the information presented to me in mortgage statements and other communications with the servicer. I need to have full accounting and documentation so I may attempt to resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PAYPAL continues in bad faith to not send me a paper copy of my statement and no emails from them. The account is closed and they keep charging me $ XXXX dollars a month in late fees.

Ive got a written lie statement they sent to the NYS Attorney General in the past stating they will send monthly statements and have not.

I have no way to see the account and it is closed every transaction in XXXX has just been late fees where the company takes advantage of low income customers. This is very wrong.

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 2024-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to request your assistance in addressing inaccurate late payment entries on my credit report. These entries are incorrect and do not accurately reflect my payment history. Despite efforts to resolve this directly with the creditor and credit reporting agencies, the issue remains unresolved. I kindly ask for your support in ensuring these inaccuracies are removed from my report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion, XXXX and XXXX received my letter disputing errors on my credit report on XX/XX/year> and never responded to my request to update my credit report I submitted documents to support my claims and still no response. These unauthorized accounts and errors are hindering me from being able to properly utilize my credit effectively

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, EQUIFAX and XXXX received my letter disputing errors on my credit report on XX/XX/year> and never responded to my request to update my credit report I submitted documents to support my claims and still no response. These unauthorized accounts and errors are hindering me from being able to properly utilize my credit effectively

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
Subject : Dispute of Unauthorized Credit Inquiries I have discovered inquiries on my credit report that were made without my authorization. After reaching out to the creditors responsible, they confirmed they have no records or evidence showing that I initiated these inquiries, nor did they receive any written or verbal consent from me. Given the lack of a valid basis for these inquiries, I am formally requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX 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 2024-12-11 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:
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