vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I filed a complaint with CFPB in XX/XX/year> against Barclays Bank regarding charges, interest fees and late fees not incurred by me ( complaint number XXXX ). I received a response from XXXX in the Barclays Presidents office XXXX XX/XX/year> ( cc 'd to CFPB ) that they were removing the above charges from my closed account. However, I just received a statement from Barclays showing that I still owe {$190.00} in late fees and interest charges. I also received an email notification from XXXX notifying me that a late payment notice has been reported on my closed Barclays account, resulting in a XXXX point drop in my credit report. Additionally, there was incorrect information in the response letter as to the date I first contacted Barclays regarding identity theft to my account, which tells me that XXXX did not thoroughly investigate this complaint. Barclays first notified me via email on XXXX XXXX that someone was attempting to change my contact information on my account. That was just the beginning of many, many email and phone conversations with Barclays, each time them failing to lock and secure my account. I have documentation of each and every email as well as phone conversations.

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 2025-01-14 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: NV

Complaint narrative:
XXXX XXXX, Social # XXXX : Date of Birth : XXXX, 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 XXXX XXXX XXXX XXXX Account # XXXX Credit Card {$820.00} XXXX XXXX XXXX XXXX XXXX  Credit Card {$540.00} XXXX XXXX  Bank Account XXXX XXXX Credit Card {$360.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Credit Card {$5700.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX {$0.00} XXXX XXXX Account # XXXX {$0.00} XXXX XXXX XXXX Account # XXXX {$600.00} XXXX Bank Account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 these 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 2025-01-14 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Here 's the revised version of your complaint letter with the mention of mailed letters : Subject : Request for Removal of 30-Day Late Payment Due to System Error Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding a 30-day late payment recently reported on my account, which I believe occurred due to a technical error in your mobile app. I am requesting your assistance in removing this late payment, given the circumstances surrounding this issue. 

In XXXX, while attempting to make my regular monthly mortgage payments, the mobile app unexpectedly refreshed. As a result, I mistakenly paid the same mortgage twice for {$980.00}, assuming I was on a different mortgage account with a payment of {$770.00}. I did not realize this error until after the late payment was reported. I have always made my payments on time and have a consistent payment history with no prior late payments. 

This technical error was beyond my control, and I made every effort to resolve the situation. I followed up with your team multiple times, sent messages, and mailed letters to inquire about the matter. Unfortunately, I received no response. Additionally, the notification of the issue was missed due to the high volume of unrelated calls I receive regarding refinancing and other services I am not currently pursuing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systematic issues such as failing to foward Consumer-provided evidence to furnishers, accepting unreliable responses and failing to accurately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts.l, as Experian inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Subject : Urgent Request to Remove Inaccurate Data and Expedite Resolution Due to Data Breach To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB Representative, I am writing to formally request the immediate removal of inaccurate information reported on my consumer credit file by XXXX, XXXX AND XXXX. 
Upon reviewing my report, I have identified multiple inaccuracies that do not reflect my financial history or account activities. Furthermore, as a confirmed victim of the recent XXXX XXXX XXXX, my personal information was compromised. This breach has directly impacted my credit profile, resulting in erroneous reporting that has caused significant harm to my financial stability. 
I respectfully request that the CFPB initiate an investigation and ensure that these inaccuracies are promptly corrected. In light of the data breach and the sensitivity of my compromised personal information, I request that all necessary updates be made to my credit file within XXXX ( XXXX ) business days of receipt of this notice, rather than the typical thirty ( XXXX ) days allowed under the Fair Credit Reporting Act ( FCRA ). 
Below are the inaccuracies I have identified : XXXX XXXX XXXX-Original creditor { reporting inaccurate dates, agreement termed in XXXX, creditor didn't start reporting until XXXX with inaccurate dates, disputed several times. Creditor refuses to update with accuracy EASTERN ACCOUNT SYSTEM, INC.-Original creditor { no media provided, inaccurate error. No account with them } XXXX XXXX XXXX { no account, open fraudulently } As a consumer, I am entitled to accurate and fair reporting. The ongoing presence of incorrect information on my credit file is causing undue hardship, including the inability to secure credit, higher interest rates, and reputational damage. 
In accordance with the FCRA and related consumer protection laws, I request : Immediate removal of inaccurate data from my credit report. 
Written confirmation of the actions taken as a result of this dispute. 
Timely communication regarding the status of my request to ensure that the issue is resolved within the requested timeframe. 
Please confirm receipt of this letter and provide me with an update regarding the status of my dispute. I appreciate your prompt attention to this matter. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Urgent Request to Remove Inaccurate Data and Expedite Resolution Due to Data Breach To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX : Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB Representative, I am writing to formally request the immediate removal of inaccurate information reported on my consumer credit file by XXXX, XXXX AND XXXX. 
Upon reviewing my report, I have identified multiple inaccuracies that do not reflect my financial history or account activities. Furthermore, as a confirmed victim of the recent XXXX DATA BREACH, my personal information was compromised. This breach has directly impacted my credit profile, resulting in erroneous reporting that has caused significant harm to my financial stability. 
I respectfully request that the CFPB initiate an investigation and ensure that these inaccuracies are promptly corrected. In light of the data breach and the sensitivity of my compromised personal information, I request that all necessary updates be made to my credit file within four ( 4 ) business days of receipt of this notice, rather than the typical thirty ( 30 ) days allowed under the Fair Credit Reporting Act ( FCRA ). 
Below are the inaccuracies I have identified : XXXX XXXX XXXXOriginal creditor { reporting inaccurate dates, agreement termed in XXXX, creditor didn't start reporting until XXXX with inaccurate dates, disputed several times. Creditor refuses to update with accuracy XXXX XXXX XXXX XXXX creditor { no media provided, inaccurate error. No account with them } LVNV FUNDING LLC { no account, open fraudulently } As a consumer, I am entitled to accurate and fair reporting. The ongoing presence of incorrect information on my credit file is causing undue hardship, including the inability to secure credit, higher interest rates, and reputational damage. 
In accordance with the FCRA and related consumer protection laws, I request : Immediate removal of inaccurate data from my credit report.

Written confirmation of the actions taken as a result of this dispute.

Timely communication regarding the status of my request to ensure that the issue is resolved within the requested timeframe. 
Please confirm receipt of this letter and provide me with an update regarding the status of my dispute. I appreciate your prompt attention to this matter. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: PA

Complaint narrative:
In congestion to the Fair Credit Reporting Act. A break down of accounts below has violated my Federally Protected Consumer Rights to privacy, Confidentiality under 15 USC 1681. e ( b ) Account : XXXX XXXX XXXX/Account Number : XXXX Account : XXXX XXXX/Account Number : XXXX Account : Seccredit/ Account Number : XXXX Account : XXXX XXXXAccount Number : XXXX 15 USC 1681 section 602 A States I have the right of privacy .

15USC 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681s-2 ( A ) ( 1 ) 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 2025-01-14 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: MD

Complaint narrative:
XXXX credit is reporting different and inaccurate balances on my credit report. The original creditor is not listed so theres no way of knowing whats really accurate.

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 2025-01-14 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: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Experian credit report : XXXX XXXX XXXX Account numbers : 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good afternoon and happy new year, I am writing to bring an urgent matter to your attention regarding my credit history. Over the past year, I have been reviewing and communicating with your company about errors and unknown information on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX filed my dispute with updated information, associated with consumer number ( XXXX ) and case number ( XXXX ). It has now been over 30 days, and I have yet to receive a response from your company. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, and 611, you are required to investigate disputes and respond within a reasonable timeframe. Due to your failure to act on the inaccuracies I reported, all incorrect information must be deleted immediately. 

The lack of communication and urgency has resulted in significant harm to my credit score, which is now classified as " POOR '' as of XX/XX/XXXX. This situation has severely limited my ability to increase my credit limit and seek assistance from other banks and lenders. Below are the specific issues I have encountered : 1. Inability to access my credit history.

2. Inaccurate and misleading information listed in my report.

3. Negative information and false entries that are not accurate.

4. Unknown addresses and accounts that have not been verified or confirmed with my signature and proof of identity.

5. Updated information that I did not approve, which I believe violates the FCRA.

6. Reporting of late payments that are illegal ; only current and on-time payments should be reported. 

As of XX/XX/XXXX, I have decided to seek legal counsel and pursue legal action due to these unresolved issues. I request that you only contact me regarding the correction of these errors and provide supporting evidence and documentation of the actions taken. Thank you for your prompt attention to this matter.

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 2025-01-14 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: GA

Complaint narrative:
I've previously disputed several accounts on my credit report that I believe there were not thoroughly investigated through 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