vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
Subject : Dispute of Charged-Off Accounts Under FCRA 15 U.S.C. 1681s-2 I am writing to formally dispute the reporting of charged-off accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and any related entries on my credit report. I believe these accounts are being reported inaccurately, incompletely, or unverifiably, and I request their immediate investigation and permanent deletion from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 and other applicable provisions.

Account Information : Creditor Name : XXXX XXXX / XXXX XXXX XXXX Creditor Name : XXXX XXXX Reporting Agencies : Experian Under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information bear the responsibility of ensuring the accuracy and integrity of the data they report to consumer reporting agencies. Furthermore, FCRA 15 U.S.C. 1681i ( a ) obligates credit bureaus to conduct a reasonable investigation of disputes and to delete or correct any information that can not be verified as accurate.

The continued presence of these accounts on my credit report constitutes a violation of my rights under the FCRA. If XXXX XXXX and its related entities can not provide documentation verifying the accuracy of these accounts, they must be permanently deleted. Additionally, FCRA 15 U.S.C. 1681c ( f ) prohibits the reinsertion of deleted information unless the furnisher provides certification of accuracy and notifies the consumer within five business days, a standard which I demand be upheld.

Fair Resolution Proposal : To resolve this matter fairly and amicably, I propose the following : Permanent deletion of the disputed accounts from my credit file if the information can not be substantiated with proper documentation. 

Written confirmation from XXXX XXXX, XXXX XXXX  and related entities that these accounts have been removed and will not be re-reported to any credit bureau in the future. 

Assurance from the credit bureaus that no further unauthorized or inaccurate information related to these accounts will appear on my credit report.

Implementation of internal compliance measures by XXXX XXXX and the credit bureaus to ensure adherence to the FCRA and prevent similar issues from occurring in the future.

Please be advised that failure to comply with the above requirements may subject the involved parties to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies as provided under the FCRA. I request that you complete your investigation within the 30-day period mandated by law and inform me of the resolution in writing.

Thank you for your prompt attention to this matter. 

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 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Guild Holdings Company
State: TX

Complaint narrative:
I am writing to formally submit a claim against Guild Mortgage Company for deceptive practices that have caused me significant financial loss. I seek to hold your company accountable for the mistake made on your end, which ultimately led to my submission of earnest money for a transaction that was unable to close.

As a direct result of your company 's error, I lost a total of {$10000.00}. This includes {$7000.00} in earnest money, the cost of a home inspection fee, and hotel fees. These losses have placed a considerable financial burden on me, and I believe the actions of your company were a contributing factor to this unfortunate outcome.

I would appreciate your prompt attention to this matter and a resolution that reflects the damage caused by this situation. I request compensation for the full amount of my losses, as well as a formal acknowledgment of the mistake on your part.

Thank you for your immediate attention to this claim. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
This situation has been incredibly frustrating and overwhelming. Imagine waking up to discover a debt that isnt yoursunverified and completely unexpectedfollowed by constant harassment across various communication platforms. The tactics being used, coupled with threats of legal action, have added an unnecessary burden to my life. As a law-abiding individual, this experience feels like a blatant violation of my rights as a consumer. The stress of this situation has affected my mental well-being, leading to sleepless nights and a constant sense of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
Hello, I hope this message finds you well. I need to bring to your attention an issue that has caused me significant distress. Ive been a victim of identity theft - my information was used fraudulently, and as a result, an unauthorized item has appeared on my credit report. I have no connection to this account, and its presence is both unwarranted and deeply troubling. Following TransUnion 's advice, I promptly filed a report with the FTC and provided all necessary documentation to resolve this matter. However, despite these efforts, the fraudulent item still remains on my 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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
i, XXXX XXXX am victim of identity theft i have never open up any accounts or lease with HWARFIELD this is fraudulent under penalty and perjury that i victim of identity theft and this needs to be removed from all credit report agencies it is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
Subject : Formal Dispute of Claim Denial Case # XXXX I am submitting this complaint regarding **Bank of Americas** denial of my fraud claim related to my account ending in XXXX. The claim, was denied without adequate justification or proper resolution. 
Details of the Issue : 1. **Claim Number : ** XXXX XXXX. **Amount Disputed : ** {$460.00} 3. **Reason for Denial : ** Bank of America claims the charge is consistent with previous charges with this merchant. However, this charge was unauthorized and fraudulent. Additional Evidence : I have filed a police report regarding this fraudulent charges and am attaching a copy of the report with this complaint. This further demonstrates the seriousness of this matter and supports my assertion that the charge was unauthorized. 
My Concerns : Insufficient Investigation : Bank of Americas reliance on historical transaction patterns is not a valid justification for denying a fraud claim. The circumstances of these specific charges must be reviewed independently. 
Lack of Transparency : I have requested documentation supporting their decision, but none has been provided. I believe this is a violation of my rights as a consumer under the Fair Credit Billing Act ( FCBA ). 
Impact on Credit : Bank of America has added a comment to my credit file that I disagree with Bank of America decision, but this is not an adequate resolution. The disputed charge must be removed entirely. 
Desired Resolution : 1. Re-open and re-investigate my fraud claim.

2. Provide all documentation and evidence reviewed during the original investigation.

3. Permanently remove the disputed charge and ensure it does not negatively impact my credit report.

4. If the bank can not prove the validity of the charged, they must delete these charges from my records immediately. 
I trust that with the additional evidence provided, including the attached police report, this matter will be resolved fairly and expeditiously. 
Thank you for your assistance in this matter. 
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 2025-01-03 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:
I have submitted multiple attempts to the credit reporting agencies to remove these debts and collections from my account. My personal data and information was leaked multiple types in multiple data breaches with different companies. As a result of my personal data and information being leaked my information was accessible to hackers etc which in turn they opened up accounts in my name that I was unaware of. On top of that my mailbox has been broken into many times as well which put my personal data and information at risk 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 2025-01-03 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: CA

Complaint narrative:
I have submitted multiple attempts to the credit reporting agencies to remove these debts and collections from my account. My personal data and information was leaked multiple types in multiple data breaches with different companies. As a result of my personal data and information being leaked my information was accessible to hackers etc which in turn they opened up accounts in my name that I was unaware of. On top of that my mailbox has been broken into many times as well which put my personal data and information at risk as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
XX/XX/XXXX RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for Equifax ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with Equifax, XXXX, and XXXX. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages.

Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
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 explanation
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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:
This agency is in violating of multiple FCRA violations according to title 15 us 1681, Gram Leach Bily Act, Privacy Act of 1974 and Uniform Commercial Code. I have sent in several affidavits of truth, FTC report and supporting documents to remove inaccurate information on my consumer report. I don't have any contractual obligations with any of these entities nor will I in the future XXXX # XXXX  {$29000.00} Account : XXXX XXXX XXXX {$36000.00} XXXX XXXX {$9600.00} 15 U.SC 1681 section 602A states I have the right to Privacy 15 U.SC Section 604 Section 2, also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 G, states I the consumer am entitled to full disclosure during any dispute. This agency refuses to send me their method of verification violating the rights I have under congress I demand these accounts be Deleted or I will enforce my right to file a federal claim under 15 USC 1681n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2025-01-03 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: TX

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I can not access the Experian website to unfreeze my credit report. I continue to file complaints. Experian continues to close the reports, without contacting me to clear up the issue of accessing their website. They will not return calls and their automated call center will not correct the situation.

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 2025-01-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under 15 USC 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Public Record from a XXXX  XXXX bankruptcy dismissed on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation.

Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. Under 15 USC 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 



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 non-monetary relief
Consumer complaint received 2025-01-03 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: HW Holding, Inc
State: AR

Complaint narrative:
" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and with the support of an advocacy group assisting me due to XXXX  XXXX XXXX XXXX, which is recognized under the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002. 142 ( b ) ( 7 ), 1 kindly request that you block the specified information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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