vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: GA

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 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 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 2024-12-05 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:
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). My identity was compromised in a data breach, and the accounts and items listed below were fraudulently opened or reported without my authorization. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: DE

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). My identity was compromised in a data breach, and the accounts and items listed below were fraudulently opened or reported without my authorization. 
Fraudulent 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 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 2024-12-05 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: AR

Complaint narrative:
I am writing to request your assistance in investigating and reporting on a violation of federal privacy law under 15 U.S.C. 6802 ( b ), a provision of the Gramm-Leach-Bliley Act ( GLBA ). This law is designed to protect consumers personal financial information from unauthorized disclosure by requiring financial institutions to provide opt-out options before sharing such information with non-affiliated third parties. 

I have reason to believe that XXXX XXXX has failed to comply with this legal requirement. Specifically, the institution : XXXX. Did not provide me with a clear and conspicuous opt-out notice prior to sharing my personal financial information with third-party companies. 
XXXX. Failed to adequately inform me about the categories of information being shared or the entities receiving this data. 
XXXX. Did not honor the opt-out provisions within a reasonable timeframe, resulting in the unauthorized use of my personal information. 

This noncompliance raises significant privacy concerns and undermines consumer protections explicitly mandated by federal law. Despite my attempts to resolve this issue directly with XXXX XXXX, I have not received an adequate response or corrective action. 

Given the broader implications of this violation for consumer privacy rights, I believe this issue warrants public attention. Your expertise in reporting on consumer rights and financial regulations would be invaluable in shedding light on this matter and encouraging accountability.

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 2024-12-05 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: AR

Complaint narrative:
I am writing to request your assistance in investigating and reporting on a violation of federal privacy law under 15 U.S.C. 6802 ( b ), a provision of the Gramm-Leach-Bliley Act ( GLBA ). This law is designed to protect consumers personal financial information from unauthorized disclosure by requiring financial institutions to provide opt-out options before sharing such information with non-affiliated third parties. 

I have reason to believe that XXXX XXXX has failed to comply with this legal requirement. Specifically, the institution : XXXX. Did not provide me with a clear and conspicuous opt-out notice prior to sharing my personal financial information with third-party companies. 
XXXX. Failed to adequately inform me about the categories of information being shared or the entities receiving this data. 
XXXX. Did not honor the opt-out provisions within a reasonable timeframe, resulting in the unauthorized use of my personal information. 

This noncompliance raises significant privacy concerns and undermines consumer protections explicitly mandated by federal law. Despite my attempts to resolve this issue directly with XXXX XXXX, I have not received an adequate response or corrective action. 

Given the broader implications of this violation for consumer privacy rights, I believe this issue warrants public attention. Your expertise in reporting on consumer rights and financial regulations would be invaluable in shedding light on this matter and encouraging accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: AR

Complaint narrative:
I am writing to request your assistance in investigating and reporting on a violation of federal privacy law under 15 U.S.C. 6802 ( b ), a provision of the Gramm-Leach-Bliley Act ( GLBA ). This law is designed to protect consumers personal financial information from unauthorized disclosure by requiring financial institutions to provide opt-out options before sharing such information with non-affiliated third parties. 

I have reason to believe that XXXX XXXX has failed to comply with this legal requirement. Specifically, the institution : XXXX. Did not provide me with a clear and conspicuous opt-out notice prior to sharing my personal financial information with third-party companies. 
XXXX. Failed to adequately inform me about the categories of information being shared or the entities receiving this data. 
XXXX. Did not honor the opt-out provisions within a reasonable timeframe, resulting in the unauthorized use of my personal information. 

This noncompliance raises significant privacy concerns and undermines consumer protections explicitly mandated by federal law. Despite my attempts to resolve this issue directly with XXXX XXXX, I have not received an adequate response or corrective action. 

Given the broader implications of this violation for consumer privacy rights, I believe this issue warrants public attention. Your expertise in reporting on consumer rights and financial regulations would be invaluable in shedding light on this matter and encouraging accountability.

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 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I used the mortgage companies website ( uwm.loanadministration.com ) to pay my mortgage payment with my XXXX XXXX checking account on XX/XX/XXXX XXXX XXXX. The {$930.00} was debited from my checking account. According to United Wholesale Mortgage they never received my payment. The bank statements I can provide, show that the {$930.00} was never returned to my account. After over a year of going back and forth with both entities, UWM concluded an investigation that stated they never received the funds and were not liable. XXXX XXXX concluded similarly, even after providing UWM with an elusive " transaction number ''. I am left behind on payments, still to this day, due to my XX/XX/year> mortgage payment disappearing into the ether somehow. I spoke on the phone with UWM maybe XXXX times trying to figure this out, as well as provided both companies with the bank statements for the year showing that the {$930.00} was debited from my account XX/XX/year> and was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
I had an Account with XXXX XXXX that I completely paid off. XXXX debt collection is on my credit report reporting inaccurate information under XXXX.This creditor also has a duplicate Account in my name using my information without my knowledge or consent.I have disputed both accounts and they have refused to remove them off my credit. - One Account is completely paid off and was agreed to be removed. - Second Account is a duplicate account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I have reported these inaccuracies multiple times and they have not been removed. These items are negatively affecting my credit worthiness and credit score based on inaccurate items.The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to remove or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit report within 30 days.

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 2024-12-05 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: MD

Complaint narrative:
I had an Account with XXXXXXXX XXXX that I completely paid off. XXXX debt collection is on my credit report reporting inaccurate information under XXXX.This creditor also has a duplicate Account in my name using my information without my knowledge or consent.I have disputed both accounts and they have refused to remove them off my credit. - One Account is completely paid off and was agreed to be removed. - Second Account is a duplicate account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I have reported these inaccuracies multiple times and they have not been removed. These items are negatively affecting my credit worthiness and credit score based on inaccurate items.The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to remove or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit report within 30 days.

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 2024-12-05 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: MA

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 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 2024-12-05 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Good day, Comenity Bank can not help me to restore my ability to use their card on XXXX XXXX. 

I have tried making numerous calls ( spoke to 4 agents and wrote 5 emails on the app ). However, they are uninformed and can not help me with the simple task. 

I initially had their AAA Daily Advantage card on my XXXX XXXX. It worked great. However, I had to delete it at some point. After trying to add it later, I received an error message stating unable to add card. contact your bank. After being transferred back and forth, I finally made it to the Comenity Digital Wallet Department. They said, they couldnot do anything, that I must contact XXXX and XXXX. I contacted both. They did say that it was the bank blocking me adding the card. I called again. Comenity said to wait 10 days and try again. I waited 6 months and tried again. Same problem. Called them back and wasted time. I even requested a new card number to see if it would work. No success. Keep pointing fingers and not knowing what to do. The last recommendation is to just use your physical card as normal. What a brilliant response! Thank you Comenity. 

On the side note, I had the exact same issue with XXXXXXXX XXXX card. All it took was customer service, deleting my old digital token on their side. It then worked right away. Comenity needs to learn how to address a simple task.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Cease and Desist Notification Pursuant to 15 U.S.C. 1692c ( c ) Account # XXXX This letter serves as my formal notification that, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all communication with me concerning the alleged debt associated with account number [ Account Number, XXXX ]. 

Please be advised that the FDCPA prohibits debt collectors from further contacting a consumer upon written request to cease communication, except to confirm receipt of the request, inform the consumer that no further action will be taken, or notify the consumer of specific legal actions that may follow. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and subject to appropriate legal action. 

This request applies to all forms of communication, including but not limited to : Phone calls ( including calls to my home, work, or mobile phone ) Written correspondence Electronic communication ( e.g., email, text messages ) Please note that failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. Additionally, I reserve the right to pursue legal remedies available to me under the FDCPA and other applicable laws. 
If you believe this debt is valid and intend to take legal action, please limit your correspondence to written communication sent to the address provided above. 
Thank you for your prompt attention to this matter. I trust that you will honor this request and ensure compliance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation