vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: NY

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 2024-12-14 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: Experian Information Solutions Inc.
State: CA

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 an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-14 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a third party collection company that collects for XXXX XXXX. I have sent them a cease and desist letter and they ( XXXX XXXX XXXX XXXX XXXX ) have agreed to cease all forms of communication with me which includes ceasing from reporting this alleged debt to my consumer credit report. Even though its XXXX XXXX XXXX XXXX XXXX but on my consumer credit report it shows as a XXXX collection with account # XXXX but its really XXXX XXXX XXXX XXXX XXXX . I have attached both my cease and desist letter as well as XXXX XXXX XXXX XXXX XXXX XXXX response stating that they will agree to cease all reporting to my consumer credit report. I would like for Equifax to IMMEDIATELY REMOVE/DELETE this account from my consumer credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Over XXXX Of My ( XXXX XXXX ) Navy Federal Credit Union Banking Transactions ( Business & Personal ) Has Been Reported To A XXXX Party Non-Affiliated. According To Navy Federal Credit Union 's Their On-Line Privacy They Will Protect Their Customer 's Privacy ( Transactions ) Unless Suspected Fraud Or Subpoena. Information Pursuant to 16 CFR 313 and Breach of Privacy Policy Commitments. Pursuant to 16 CFR 313, which implements the privacy provisions of the Gramm-Leach-Bliley Act ( hereinafter " GLBA '' ), financial institutions such as Navy Federal are strictly prohibited from disclosing nonpublic personal information ( " NPI '' ) to nonaffiliated third parties without providing prior notice and an opportunity for the consumer to opt-out, except in limited and clearly defined circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Product was from XXXX, financed through AFFIRM. 30 day warranty of product from XXXX. Product not kept during warranted period. Was donated and receipt given from receiving company. Receipt sent to XXXX. Therefore I do owe AFFIRM for a product I DO NOT OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: IN

Complaint narrative:
I noticed several accounts on my credit report that appear to be added without my knowledge. Please take steps to block and remove these fraudulent entries.

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 2024-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/year> I mailed my payment of {$38.00} ( to pay bill in full ) which was due on XX/XX/year>. My payment posted on XX/XX/year> ( 2 days late-even though it was sent 8 days before the due date ) I received a statement in XXXX stating I owed a late fee of {$29.00}. I called XX/XX/year> and spoke with XXXX about having late fee removed since the account was paid in full. He explained that he could not take care of this and referred me to his supervisor, XXXX. She said they would not remove the late fee. I explained to her that I did not owe this and would not be paying it since the account was paid in full. I then asked her to close my account as I would no longer be doing business with their company. 
On XX/XX/year> I was charged an additional {$29.00} plus interest bringing my new total to {$60.00}. 
On XX/XX/year> I called yet again and spoke with XXXX. I explained how these charges were fraudulent as I paid my account in full and also closed the account. He informed me that they would continue to add on late fees until I paid the balance in full. I explained to him that the fees were placed on my account but shouldnt have been since I paid in full. He stated that we would agree to disagree and hung up. 
This company has called me multiple times in their attempt to retrieve payments. 
Ive explained to them multiple times that I will not be paying these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX according to XXXX XXXX XXXXe 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
XXXX claimed I owed them {$640.00} as of XX/XX/XXXX, but that was not true. 

On XX/XX/XXXX, I made a purchase of {$640.00} on XXXX XXXX via XXXX. This order was then canceled, and from that day, XXXX claimed I owed them that amount of money even though it was purchased by a credit card linked to XXXX. 

I have tried to contact XXXX by email in the past few months to dispute the issue, but I have never heard from them. XXXX then closed my account, and I can not contact them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: NC

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 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 2024-12-14 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NC

Complaint narrative:
Several dispute letters have been sent to address the inaccurate information on my credit profile. ATTACHED, YOU WILL FIND A FEW OF THOSE DISPUTE LETTERS REPORTING INACCURATE INFORMATION!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

THIS ACCOUNTS WERE CHARGED OFF, AND I DIDNT RECEIVE A 1098 FORM. THIS IS FRAUD BECAUSE IT IS STILL REPORTING THIS ON MY CREDIT. I AND CFPB WILL BE REPORTING THIS TO THE IRS UNLESS THIS IS DELETED. 


Under the Fair Credit Reporting act. The List of ACCOUNT 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 the agency can not furnish an 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. 


XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX Account number - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: NC

Complaint narrative:
Several dispute letters have been sent to address the inaccurate information on my credit profile. ATTACHED, YOU WILL FIND A FEW OF THOSE DISPUTE LETTERS REPORTING INACCURATE INFORMATION!! THE INACCURATE INFORMATION HAS BEEN HIGHLIGHTED IN RED MARKS. 

THIS ACCOUNTS WERE CHARGED OFF, AND I DIDNT RECEIVE A 1098 FORM. THIS IS FRAUD BECAUSE IT IS STILL REPORTING THIS ON MY CREDIT. I AND CFPB WILL BE REPORTING THIS TO THE IRS UNLESS THIS IS DELETED.

Under the Fair Credit Reporting act. The List of ACCOUNT 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 the agency can not furnish an 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. 


XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX Account number - 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 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am filing this complaint regarding a debt reported on my credit report by Midland Credit Management. The debt, which originated with XXXXXXXX XXXX, has been placed in collections, and I have made multiple attempts to verify the accuracy and legitimacy of this debt. Despite my formal requests to the debt collection agency, they have failed to provide sufficient documentation or evidence to support their claim, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues Include : Failure to Provide Documentation of Authorization or Agreement I have requested documentation proving my authorization for this debt, such as a signed agreement or contract, but the collection agency has not supplied this information. 
Lack of Proof of Ownership or Right to Collect I requested proof that Midland Credit Management has the legal right to collect this debt, including the agreement or assignment from the original creditor ( XXXXXXXX XXXX ), but no such evidence has been provided. 
Failure to Validate Key Account Information Despite my requests, the collection agency has not provided critical details, such as : The date of first delinquency. 
The date of last payment. 
The date the account was charged off by the original creditor. 
Potential Inaccurate Reporting to Credit Bureaus Without adequate validation, I am concerned that the debt may have been reported inaccurately to the credit bureaus, negatively affecting my credit score and financial standing. 
Requested Resolution : I am requesting that the CFPB investigate this matter to ensure Midland Credit Management complies with federal debt collection and reporting laws. 
I ask that the collection agency be required to provide all requested documentation proving the validity of this debt, their right to collect it, and its accurate reporting. 
If they can not provide such evidence, I request that the debt be removed from my credit report and that all collection activity be ceased immediately. 
Thank you for your attention to this matter. I look forward to the resolution of this issue in accordance with my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Case number XXXX. What the XXXX  wrong with this company. I had XXXX card that doesn't work, send me replacements and still doesn't work, ask for document which i sent 1000 times and cards still on hold. I NEED A REFUND CHECK FOR ALL MY MONEY DO YOU UNDERSTAND!!! I NEED MY MONEY BACK. 
WHAT THE XXXX WRONG WITH THIS PEOPLE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to how they got there. My usual credit check revealed unexpected discrepancies. Refreshing my browser didnt fix it, confirming it wasnt a glitch. Im really upset about this and urge you to carefully review the documents Ive sent to ensure this issue is fully resolved.

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 2024-12-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Alorica Inc.
State: IL

Complaint narrative:
Without prior communications, my account was transferred from XXXX to this " company '' Unfortunately, this company deems harassment and overstep as " acceptable practices ''. They have acknowledged and admitted to manually dialing my number and attempting contact in excess of XXXX within a XXXX window. 

I personally find this horribly disrespectful & an unacceptable business practice. The number I've been provided in their " replies '' does not put me in contact with the department making the letter. 

Additional intervention should be considered by the CPFB given this company 's elective decisions to disregard the rights and protections consumers have

Company response to consumer: Closed with explanation