vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-23 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: REGIONS FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2024-12-23 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: VA

Complaint narrative:
There are errors on my credit report concerning 15 USC 16c-2. I did not authorize the listed inquiries, and this inaccurate information negatively impacts my credit. Kindly remove all unauthorized hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-23 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: NM

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX, Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I reported disputes multiple times to the company with NO proof of the debt. My XXXX rights were violated as I never XXXX signed any agreements to sell my medical information to a third party debt collector without my consent or knowledge. Under the FCRA I never received any information regarding the 3 collections from Wakefield and associates. They also reported these collections late to other credit bureaus to hurt my score collectively. I demand that that all 3 collections be deleted since I sent numerous disputes to the company with again no email communication or mail verification of debt and or copies of wet signatures that I agreed to sell my information to a third party collection agency. That violates my XXXX policy and its against the law. Please delete all Wakefield and associates collections from my report as there was no wet signature of my agreement with a third party company and that they violated my XXXX privacy. Please delete all Wakefield and associate accounts on my XXXX and XXXX reports as they have been removed from my experian report already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report maintained by Equifax, XXXX, and XXXX. I have been affected by multiple data breaches, including the Missouri XXXX XXXX in XXXX, XXXX XXXX on XX/XX/XXXX, Equifax in XX/XX/XXXX, and most recently, another incident on XX/XX/XXXX. 

These breaches have significantly compromised my personal information, leading to fraudulent charges on my credit cards and unauthorized access to my bank account. Consequently, I have had to open a new bank account to mitigate the damage. Despite my efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, including items that I have disputed as fraudulent. 

Specifically, I am seeking guidance on how to rectify the inaccurate items on my credit report, as I believe that the data breaches are directly linked to these discrepancies. I am willing to provide proof of the fraudulent charges and the impact on my bank account if needed. 

It is crucial for me to have an accurate credit report, and I respectfully request your assistance in addressing these matters. Thank you for your attention to this pressing issue. I look forward to your guidance on how to resolve these inaccuracies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report maintained by XXXX, XXXX, and Experian. I have been affected by multiple data breaches, including the Missouri XXXX XXXX in XXXX, XXXX XXXX on XX/XX/XXXX, XXXX in XX/XX/XXXX, and most recently, another incident on XX/XX/XXXX. 

These breaches have significantly compromised my personal information, leading to fraudulent charges on my credit cards and unauthorized access to my bank account. Consequently, I have had to open a new bank account to mitigate the damage. Despite my efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, including items that I have disputed as fraudulent. 

Specifically, I am seeking guidance on how to rectify the inaccurate items on my credit report, as I believe that the data breaches are directly linked to these discrepancies. I am willing to provide proof of the fraudulent charges and the impact on my bank account if needed. 

It is crucial for me to have an accurate credit report, and I respectfully request your assistance in addressing these matters. Thank you for your attention to this pressing issue. I look forward to your guidance on how to resolve these inaccuracies. 

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2024-12-23 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: NM

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  XXXX XXXX, Acct # 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 2024-12-23 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity on 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 2024-12-23 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-12-23 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2024-12-23 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
This company continues to report to XXXX negative and inaccurate information on my XXXX report. I have sent Formal Dispute of Debt Reporting, Request for Validation, Proof of Accuracy, Issuance of 1099-C Form, and Notification of Legal Violations I am writing to formally dispute the accuracy and validity of the negative debt reported by the company to XXXX related to my account. This letter serves as a request for debt validation, proof of the accuracy of the reported information, issuance of the IRS Form 1099-C if the debt has been charged off, and a review of potential legal violations. 

XXXX. Validation of Debt Reported to XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt being reported. I ask that you provide the following : Documentation proving that the debt is valid and belongs to me. 
A detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges.

Copies of all contracts, agreements, or other documents that substantiate the existence and terms of this debt.

2. Proof of Accurate Reporting The FCRA requires that all information furnished to credit reporting agencies, including XXXX, be accurate, complete, and verifiable. To ensure compliance, I request : Documentation verifying the accuracy of all information reported about this debt. 
A complete payment history showing how the debt amount was calculated.

3. Issuance of 1099-C Form If this debt has been canceled, forgiven, or charged off, XXXX XXXX XXXX is required by IRS regulations to issue a 1099-C form for debts. I request a copy of the 1099-C form if this debt has been classified as charged off or forgiven.

Failure to issue a 1099-C form, if required, not only violates IRS regulations but also creates confusion regarding my financial obligations.

4. Potential Violations of Law This company has failed to validate the debt, provide accurate reporting, or issue the required 1099-C form, this may constitute violations of the FCRA and FDCPA. Reporting inaccurate or unverifiable information to XXXX may also result in further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This company continues to report to XXXX negative and inaccurate information on my XXXX report. I have sent Formal Dispute of Debt Reporting, Request for Validation, Proof of Accuracy, Issuance of XXXX Form, and Notification of Legal Violations I am writing to formally dispute the accuracy and validity of the negative debt reported by the company to XXXX related to my account. This letter serves as a request for debt validation, proof of the accuracy of the reported information, issuance of the IRS XXXX XXXX if the debt has been charged off, and a review of potential legal violations. 

XXXX. Validation of Debt Reported to XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt being reported. I ask that you provide the following : Documentation proving that the debt is valid and belongs to me. 
A detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges. 
Copies of all contracts, agreements, or other documents that substantiate the existence and terms of this debt. 

XXXX. Proof of Accurate Reporting The FCRA requires that all information furnished to credit reporting agencies, including XXXX, be accurate, complete, and verifiable. To ensure compliance, I request : Documentation verifying the accuracy of all information reported about this debt. 
A complete payment history showing how the debt amount was calculated. 

XXXX. Issuance of XXXX Form If this debt has been canceled, forgiven, or charged off, Bank of America is required by IRS regulations to issue a XXXX form for debts. I request a copy of the XXXX form if this debt has been classified as charged off or forgiven. 

Failure to issue a XXXX form, if required, not only violates IRS regulations but also creates confusion regarding my financial obligations. 

XXXX. Potential Violations of Law This company has failed to validate the debt, provide accurate reporting, or issue the required XXXX form, this may constitute violations of the FCRA and FDCPA. Reporting inaccurate or unverifiable information to XXXX may also result in further legal consequences.

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 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Today, I contacted MOHELA as they are showing I am delinquent on my XXXX payment. Per the United States Department of Education, the loans were forgiven under PSLF as of XX/XX/2024. I am a federal employee and have served the government for 20-years. When I phoned Mohela to learn when they would update my records and report it to the Credit Bureau, MOHELA rep XXXX was extremely rude and hung up on me. I was on hold for 4-hours only to be hung-up on! Mohela has extremely unprofessional staff and they are of little to no assistance. I hope this complaint will resolve my problem and others who have to deal with this substandard federal contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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