vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: IL

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX  XXXX XXXX : {$50000.00} GS XXXX XXXX XXXX : {$4100.00} O? XXXX Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For several months, I've attempted to apply for both a Wells Fargo card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my XXXX report, yet they were still unable to view it. Why can't these banks access my credit report? Im attaching proof from Wells Fargo and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
For several months, I've attempted to apply for both a XXXX XXXX card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my XXXX report, yet they were still unable to view it. Why can't these banks access my credit report? Im attaching proof from XXXX XXXX and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: SC

Complaint narrative:
I have never lived at this address. I requested the address be removed from my credit report, but credit agency continues to fraudulently reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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:
On XX/XX/year> My XXXX XXXX dropped XXXX points because your company let XXXX XXXX put more on my card than the credit limit. Now I have remarks on my once good credit report that now has a remark that says went over limit. You will find a way to remove that remark while taking care of the overcharge. Of course I can pay it down, thats why I chose to get the card that has 12 months interest free..but thats not the issue at hand. Its the predatory lending practice XXXX seems to practice quite often according to their reviews on several platforms. Your customer reps gave the run around. They told me its a simple issue to resolve, just pay the overage! XXXX XXXX should teach their employees the consequences of the overcharge so they can tell the consumer. The fact they said the bank does this all the time. XXXX employees telling me You shouldnt have let them overcharge when your credit limit is {$1500.00} Acting like I knew better! XXXX sorry, but if XXXX doesnt decline the overage charge, its on XXXX XXXX not me. The FTC has laws against this, aka Anti XXXX laws. XXXX had the NERVE to tell me its my fault. XXXX tells me too bad, so sad that we screwed you over and destroyed your good credit because we let the {$160.00} OVER THE CREDIT LIMIT go through instead of DECLINING the purchase because it was over the limit. Your employees are the most incompetent, gas lighting and uneducated customer service reps including your so called XXXX who told me I shouldnt have let it happen. Instead of agreeing it should have never been approved over the credit limit and Breaking XXXX Laws by the FTC. Also, XXXX blames XXXX XXXX and me as the consumer, for going over the credit limit is victim blaming. 100 % XXXX fault. The XXXX XXXX employee are not the people that controls what XXXX approves when someone is making a purchase. My next steps are to make reports with several government agencies.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX SYSTEMS. I do not have a contract with XXXX XXXX SYSTEMS. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: SC

Complaint narrative:
I have never lived at this address. I requested the address be removed from my credit report, but credit agency continues to fraudulently reported 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have never lived at this address. I requested the address be removed from my credit report, but credit agency continues to fraudulently reported 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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am not liable for this debt with Portfolio Recovery Associates , LLC. The attempt to collect or sue for the debt is past the statues of limitation for my state, which is Virginia. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract that states I am in debt to them with my signature on it. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.The statutes of limitations for XXXX of any debt has past.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio recovery calls me money stop but they could not provide the original receipt of payment owed, and they could not provide the original creditors contact information. Makes me believe they are not a legitimate company and I should not give out any of my information also I do not know what the debt is for or if it is legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: SC

Complaint narrative:
I have asked the credit agency to remove this address from my credit report, but it is still fraudulently being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I was notified through Credit Karma that a hard inquiry was made on XXXX for a credit card from CB INDIGO bank. This is a bank. Ive never heard of. I have not applied for any credit cards or loans in at least six months possibly more I called the company. I didnt feel comfortable giving any of my personal information to them because Ive never heard of this company and I wasnt sure if they were real or not. They said they were part of another company called Concora, which Ive never heard of either and I never applied for anything with them either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I have an unauthorized and unrecognized hard inquiry on my XXXX credit report from XXXX XXXX XXXX Again I did not authorize you to pull my credit report. Please investigate and delete this hard inquiry off of all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer name : XXXX XXXX. Social security # XXXX XXXX XX/XX/XXXX this complaint is for all three credit bureaus TransUnion, XXXX, XXXX I have made multiple complaints about this company. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX XXXXXXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX  XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a form I received from XXXX XXXX  account # XXXX that has my name incorrectly as well that need to be Removed from my credit report immediately as it is false information thank you.

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 2024-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Debt - XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full. 

The XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone. 

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a puce of mail from XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX with a Bank of America logo stating that a check we sent you related to your prepaid debit card hasnt been cashed or deposited. Please contact us to confirm your mailing address. 
Phone number XXXX I believe this is fraud. I don't use prepaid debit cards.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, i am unable to retrieve my credit report and score with Equifax. Ive called a total of 5 times and was told theyre unable to locate my file. Ive mailed letters and copies of my identity and still unable to get this issue resolved. It is imperative for me to know whats on my file and manage my credit. In the past Ive been a victim of identity theft, so its scary not being able to see my credit report. I need help with getting this issue resolved. Its unfair and unconstitutional to say the least and Equifax should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Acct # XXXX {$1300.00} Acct # XXXX {$690.00} Despite my prior disputes with both XXXX XXXX Bank the original debtor, and XXXX XXXX, tried to collect the debt and LVNV Funding is reporting that it's there debt, this account continues to be reported on my credit profiles each month. LVNV Funding LLC is still reporting. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the removal of inaccurate or outdated information from credit reports. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), you are prohibited from reporting this debt if it is inaccurate or invalid, as determined by the original creditor. The original creditor XXXX XXXX has agreed to delete those accounts, and it should no longer be reported by any third party. This a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My question is this : no credit card company closed my account because I didn't pay the full balance but kept paying the minimum. I have argued the letter sent on XX/XX/year> regarding closing my XXXX XXXX XXXX XXXX. They repeatedly asked me to apply for a new card. After I followed their suggestion, they denied my application. Their action is to harm XXXX customers, and also harm XXXX 's business. I called them but over the phone, a representative shouted at me ; she didn't let me finish my words. They have no respect for their customer. Whenever I talked to them, they tried to avoid talking about their letter on XX/XX/year>, and tried to talk about something else, like fees or interests, which is not what I am arguing. They are shrewd and dishonest. In short, I couldn't see their professional ethics when dealing with customers. There is no honesty and fairness on their side. So, I need CFPB to find the third party and let the third party reach a determination. 

As said before, I won't pay the balance as long as this matter is under dispute. But I will assume to pay the balance after this matter is solved.

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 2024-09-29 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: MI

Complaint narrative:
Collections can not be reported as late or open on my credit report. This is a major FCRA violation. According to code 15 USC 1692g please have all collections removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Collections can not be reported as late or open on my credit report. This is a major FCRA violation. According to code 15 USC 1692g please have all collections removed immediately.

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 2024-09-29 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: MI

Complaint narrative:
Collections can not be reported as late or open. 
This is a major FCRA violation. According to code 15 USC 1692g. Please have collections removed immediately.

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 2024-09-29 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: MI

Complaint narrative:
Collections can not be reported as late or open. 
This is a major FCRA violation. According to code 15 USC 1692g. Please have collections removed immediately.

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