vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
I was XXXX  in XXXX  XXXX from XXXX. While in custody a family member had access to my personal information and used it to secure utilities and other credit accounts without my knowledge or consent. I was not aware of the orgin of this account and I am the victim of identity theft, I was in no way associated with this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I used Bread Financial XXXX XXXX card 's online account automatic payment system to set up automatic payments for my credit card. The payment was set for the full statement balance. I double checked the account number and routing number to make sure they were accurate. The XXXX payment was returned. As soon as I was made aware of the problem, I immediately tried to make another payment from another bank, but Bread Financial 's system would not let me make another payment. A few days later, I was able to make another payment, which I immediately paid the full statement balance. Bread Financial charged a {$30.00} returned check fee and {$28.00} in finance charges. I contacted Bread Financial and asked why the payment was returned and requested the fees be waived. I was advised the account number was wrong, and they refused to waive the fees. I again contacted them and asked what account number was used and again requested the fees be waived this one time since it was only a mistake. I asked for my account to be reviewed which would show that I always make my payment on time and in full using their automatic payment system. They again refused to waive the fees and would not provide the account number they used. I have no way of verifying what account number they used for the ACH transfer. I contend that they entered the account number incorrectly and then charged me fees when the payment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
Urgent Dispute Unauthorized Fraudulent Account Removal To Whom It May Concern, I am formally disputing the unauthorized fraudulent account that has been wrongfully reported on my credit profile. This account was previously disputed as fraudulent due to my personal information being compromised following the XXXX data breach. Despite bringing this matter to the attention of both the creditor and the credit reporting agencies ( CRAs ), my dispute was ignored, and the account remains on my credit file. 

I have previously submitted a federal identity theft affidavit, which was also disregarded by both the creditor and CRAs. This account does not belong to me, and I am demanding its immediate closure and permanent removal from my credit profile. 

Failure to remove this unauthorized account would constitute a direct violation of my consumer rights under federal law and the Fair Credit Reporting Act ( FCRA ). Attached, you will find the identity theft affidavit for your review. 

Furthermore, I do not consent to an E-Oscar verification process. I am requesting a complete deletion of this fraudulent account from my credit report. 

I am extremely disappointed with how this matter has been handled, and I insist that this issue be rectified without further delay. Please provide written confirmation once this account has been removed.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I requested information from Victoria Secret/ Comenity Bank for validation of prior debt and amount of previously closed and debt sold to XXXX XXXX agency. Account is appearing as open and delinquent on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kikoff Inc.
State: GA

Complaint narrative:
These are not my accounts, and I would like them removed. I have requested all documentation that was used. 
I am writing to formally dispute inaccurate and outdated information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The items listed below contain errors and are negatively impacting my credit score. Under the FCRA, you are required to ensure that the information reported on my credit file is accurate and verifiable. If you are unable to verify these items, they should be removed or corrected.

Please review the following information on my credit report, and update or delete these inaccurate items as required by law : 1. Late Payments : Several late payments are reported on accounts that I believe are either inaccurate or not attributable to me. Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I request that XXXX verify these accounts with the original creditors. If these late payments can not be verified as accurate and belonging to me, they must be removed from my report. 
XXXX. Incorrect Addresses and Phone Numbers : My credit report includes outdated or incorrect addresses and phone numbers that are not associated with my current or past residences. Please update my information to reflect my current address and phone number, as inaccurate personal information may indicate potential errors or identity confusion. FCRA Section 609 ( 15 U.S.C. 1681g ) grants me the right to request accurate personal information.

3. Accounts Not Belonging to Me : There are accounts on my report that I do not recognize and do not believe are associated with me. Under FCRA Section 611, XXXX must verify the ownership and legitimacy of these accounts. If they can not be verified, I request their removal from my credit file. 
I challenged items in my report and did my investigations. I request that you update the information on my report, which I have listed below. If you have not done so, place EXTENDED FRAUD ALERTS on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-02-20 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In XXXX here in Ohio I needed a car, I went to a dealership, found a car and the lending company that decided to grant me a loan was Credit Acceptance.

I was a XX/XX/XXXX with a limited income and needed transportation to get to work. 
In XXXX I had lost part of my income and was working with the state to get my sons XXXX pay back. 

Credit Acceptance would not work with me, and as a result I voluntarily gave my car up, and lost my job in the process, as I found another job the amount that they wanted was more than I could afford. This company was not willing to work with me at all. 

In XXXX I received a judgement against me, as of XXXX I am fighting to protect my income, and self-respect, they contacted my employer via mail and asked for my full social security number as they don't have it. 
I realize that this is ten-year-old case, and that the statute of limitations for regular debt collection has passed, but however for judgement it is 15 here in Ohio. 
I was never given the opportunity to even plead a case in front of a judge, to work anything out, I have just realized that I am not the only one that has had the same aggressive payment tactics placed on them. 

I can't afford legal reputation, I am fighting this on my own.

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 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was evicted from my apartment and owed XXXX dollars. I tried to pay the amount but they sent it to collections with procollect Inc. Procollect added more money to it and the balance on my credit is XXXX. This is preventing me from moving. I've never had a contract with procollect and didn't give them permission to buy my debt from the old apartment. I had the money to pay the apartment but they refused the money the day we left court.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXXXX/XX/XXXXAccount Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XX/XX/XXXXAccount Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} CollectionXX/XX/XXXX ( OriginalCreditor :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Charged Off Inquiries in Dispute : XX/XX/XXXXL XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/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 2025-02-20 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: IL

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
After depositing {$5000.00} in my account, I have been denied access to login my XXXX  account. 

Ticket ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IA

Complaint narrative:
Im filing this identity theft affidavit to report fraudulent accounts appearing on my consumer FICO credit report. The following accounts are XXXX XXXX {$16000.00}, XXXXXX/XX/XXXX {$0.00}, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$140.00}, XXXXXX/XX/XXXX {$0.00}, XXXX XXXX {$590.00}, XXXX XX/XX/XXXX {$500.00} and i have 28 inquires that i don't recognize. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit? 

XXXX XXXX, XXXX, = MIDLAND CREDIT MANAGEMENT INC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XX/XX/year>2025XX/XX/XXXX - XXXX/XXXX/2025XX/XX/XXXX - XXXX/XXXX/2025

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 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Good morning I am reaching out in regards to multiple issues with Selene finance. Wrong loan amount was transferred to Selene from XXXX XXXX XXXX owed with XXXX deferred but Selene listed XXXX with XXXX deferred without explaining how fees were added. I had loan modification started with XXXX XXXX n approved with selene after completing trial payments, it was submitted in writting and approved. I paid selene finance my monthly payment but they applied it to the wrong escrow and opened a foreclosure case in XX/XX/XXXXtXX/XX/XXXXI had to fileXX/XX/XXXX complaint because making numerous calls to customer service resolved nothing. After XX/XX/XXXX complaint selene finance closed the court case but still billed me their attorney fees. They wrongfully applied my total XXXX in paid funds again and not following modification agreement. I also provided them with my insurance info back in XXXX and then again in XXXX and XXXX but they just purchased a policy for me from my insurance agency who advised me of that and mailing them a refund. XX/XX/XXXX they changed monthly payment amount again ( property tax increased only 8 % ) but they doubled my payment n refused to accept my agreed modification payment. It is XXXX and I owe XXXX when my payment agreement was XXXX ( went down to XXXX back in XXXX due to their escrow research ) monthly ( made those payments full year of XXXX without missing a payment or being late. 
I must also mention They also destroyed my credit and I had to file numerous disputes ( they marked my account late the whole XXXX ) when I did t miss one payment. This XXXX I got an a credit alert they added XXXX to my loan but removed it in XXXX. Not sure what glitch it was but it dropped my credit. Please help Your customer service is a joke, multiple times I requested a supervisor callback and I also asked you to look into situation as well as provide me with my current statements which you took away from me. I have had online access on and off and its not right as o am not in foreclosure status and should be able to make payment online and see all my documents. 
Last, you filed foreclosure and then when I filed aXX/XX/XXXXcase you closed the case cause you knew I made all my payments on time but yet you still billed me attorney fees! For what? You made a mistake of filing foreclosure when I made all my payments on time and I have proof of that.

Company response to consumer: Closed with explanation