vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: KY

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Verification of Disputed Charge-Off Account To Whom It May Concern : I am writing to formally file a complaint against [ EQUIFAX ] for their blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I disputed a charge-off account reported on my credit file : [ XXXX  XXXX ) on [ XX/XX/year> ], providing detailed information challenging the accuracy and legitimacy of this reporting. However, the credit reporting agency, without providing any meaningful investigation or legitimate evidence, has repeatedly " verified '' the disputed account as accurate. This " verification '' was neither reasonable nor in compliance with the statutory obligations imposed by 15 U.S.C. 1681i. Specifically, the credit reporting agency has failed to fulfill its duty to : * Conduct a reasonable reinvestigation of my dispute. * Provide a description of the procedure used to determine the accuracy and completeness of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I have made multiple requests for the method of verification, yet I have not received any meaningful or substantive response. Their failure to provide this crucial information demonstrates either a lack of compliance with federal law or the inability to confirm the accuracy of the reported information. This unlawful behavior has caused me significant XXXX XXXX XXXX XXXX and unnecessary damage to my creditworthiness. I am demanding that the CFPB take swift and aggressive action to address the following issues : 1. Compel [ EQUIFAX ] to provide a full description of the method of verification used to " verify '' this account, as required by law. 2. Ensure that [ EQUIFAX ] conducts a thorough and reasonable reinvestigation of my dispute. 3. Hold [ EQUIFAX ] accountable for their violations of the FCRA by imposing appropriate penalties. 4. Require the removal of the inaccurate charge-off account if verification can not be substantiated. The FCRA exists to protect consumers from negligent and reckless reporting practices, and [ EQUIFAX actions are in direct contradiction to this purpose. I trust that the CFPB will take this matter seriously and hold them accountable for their violations. Please confirm receipt of this complaint and inform me of the next steps in your investigation. I am prepared to provide additional documentation and records to support my claims. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX This dont belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX This dont belong to me at all.

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 2025-02-19 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: CA

Complaint narrative:
I asked repeatedly from TransUnion to request evidence that this debt XXXX XXXX XXXX  is mine. They come back with stating that the debt is verified, but they do not give me any evidence that the debt is mine. And under the fair credit law, they can not furnish an account without my permission. I have already spoken to XXXX and they looked into the matter and they actually removed the debt from my report. Now I would like this debt to be removed from transUnion as well

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 2025-02-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

15 U.S.C. 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Made a {$390.00} payment on XX/XX/XXXX from my XXXX  XXXX  account. The {$390.00} was taken out of my bank account on XX/XX/XXXX. I have always paid my balances as they post to my account as I do not spend money I do not have. I use the store card solely for reward points purposes. 

They are holding my {$390.00} until XX/XX/XXXX. 
This hold time is extremely excessive. As of XX/XX/XXXX I had a statement balance of $ XXXX. 

I have a rewards balance of {$94.00} available. I made a purchase with these rewards points and they even went as far as canceling that order. So I am not allowed to spend the funds I have earned on the card while they are allowed to take money out of my bank account and simultaneously decline my access to use my credit card.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: SC

Complaint narrative:
I was never notified by this company, it appeared on the collection section of my credit report on XX/XX/year>2025. I did not receive any prior notice about the debt going to collection. Per the CFPB and FCRA rules : debt collectors must provide consumers with validation information, written notice, and initial communication within XXXX days of first contact. I have not received a call, text, email, or mail in accordance with the collection account. That is against the law and my rights as a consumer are being abused without consent or fair representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-02-19 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:
There are accounts listed on my credit report that do not belong to me, and I have no knowledge of them whatsoever. This situation is not only unfair but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, and these errors should not be affecting my financial standing. I request an immediate investigation into these unauthorized accounts, and I expect these inaccuracies to be corrected without delay. If these errors are not resolved promptly, I will be forced to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-19 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: MA

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, TX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Tx XXXX Current Employer : XXXX  XXXX XXXX XXXX  I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
The account was charged off yet still on my credit report with balance of XXXX as of XXXX. This on XXXX. 
On XXXX the account on XXXX it was charged off plus sold.with no balance.. 
The credit or charged the debt off the sold it to collection agency. I am not liable for this.They should have sent XXXX taxable income on my end.. They did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Consumer Financial Protection Bureau, includes Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlighted systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner do to my three dispute letters, one on XX/XX/XXXX followed by XX/XX/XXXX and XX/XX/XXXX. All were highlighted of the inaccuracies and in returned of investigation the same inaccurate information remains.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: PA

Complaint narrative:
TIS CREDIT COMPANY IS REPORTING A FEE ALMOST {$10000.00} FROM OWING 2 MONTHS RENT HOW ARE THEY ALLOWED TO REPORT ANY AMOUNT THEY WANT AND THIS STAYS ON MY CREDIT THAT FRAUD. WHEN I REACHED OUT THEY GAVE ME ANOTHER AMOUNT OF {$6000.00} XXXX DONT UNDERSTAND HOW THIS IS LEGAL RENT SHOULD NOT BE REPORTED ON OUR CREDIT IF THEY CAN REPORT ANY XXXX AMOUNT THATS FRAUD!!! AND I HAVE TO DEAL WITH WHATEVER THEY SAY THAT NOT FAIR OR FAIR HOUSING ... CAN YOU REMOVE THIS FROM MY BACKGROUND AND CREDIT ITS A LIE I WILL ATTACH PROOF. THEY DONT EVEN HAVE MY CORRECT NAME JUST USING ANY INFORMATION THEY WANT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My escrow account was closed in XXXX. Newrez ( mortgage company ) mailed me a check for the outstanding escrow balance. Shortly after that, a large sum ( {$2900.00} ) was deposited in escrow due to the county not accepting their payment for taxes. This money still sits in the escrow account. I have called twice and have been told twice " a check is in the mail. '' I have yet to see the check so I am filing a complaint with the CFPB. All I want is a check for the remainder of the closed escrow account ( {$2900.00} ). If this continues on for too long, I will be requesting interest as well.

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 2025-02-19 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I REQUESTED TO CHANGE MY PAYMENT DATE FROM THE XXXX TO THE XXXX. AND I WAS TOLD I HAD TO PAY AN EXTRA {$350.00} TO CHANGE MY PAYMENT DATE!!!??? I DON'T UNDERSTAND THAT!!!???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MI

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