vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
I received my credit report on XX/XX/year> and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 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 has violated my rights. 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 agency can not furnish a 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 XXXX years.

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 2024-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Unauthorized Sharing of Financial Information under 15 U.S. Code 6802 Credit Card with account # XXXX To Whom It May Concern, I am writing to formally dispute the unauthorized sharing of my personal financial information by Comenity Capital Bank as outlined under the provisions of 15 U.S. Code 6802, which mandates the protection of consumer financial information.

Upon reviewing my recent financial statements and communications, I have discovered that my personal financial information has been shared with third parties without my explicit consent. This is in direct violation of the aforementioned statute, which requires financial institutions to provide clear notice of their information-sharing practices and obtain consumer consent before sharing nonpublic personal information with non-affiliated third parties. 

As a consumer, I have the right to : XXXX. Receive clear, conspicuous, and accurate notices regarding the sharing of my personal financial information. 
XXXX. Opt-out of having my nonpublic personal information shared with non-affiliated third parties. 
XXXX. Have my financial information handled with strict confidentiality and security measures. 

I request that you immediately cease any further sharing of my personal financial information without my explicit consent and provide me with : XXXX. A detailed explanation of the information shared and the third parties with whom my information was shared.

2. Assurance that all necessary measures have been taken to prevent further unauthorized sharing of my information.

3. Copies of any notices or opt-out disclosures that were supposedly provided to me.

Furthermore, I expect that you will conduct a thorough investigation into this matter and take all necessary corrective actions to ensure compliance with 15 U.S. Code 6802. Please acknowledge receipt of this letter and provide a response within the time frame required by law. If you do not comply with my request within a period time of no more than 30 days, I will file a complaint with the Federal Trade Commission ( FTC ), which has the authority to bring a civil action in a U.S. district court and you will be exposed to a lawsuit. 

Thank you for your prompt attention to this serious matter. I trust that you will handle this issue with the utmost urgency and respect for my privacy rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft I have accounts that were fraudulently open on my credit profile. The names, address, employers are also inaccurate on my credit profile.

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 2024-08-11 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: TX

Complaint narrative:
I am a victim of identity theft I have accounts that were fraudulently open on my credit profile. The names, address, employers are also inaccurate on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: AL

Complaint narrative:
I've disputed 3 times already to Experian to correct my personal information, my current address & date of birth, also 2 credit card accounts, but they have not corrected this yet. I've sent you sceenshots of my credit reports as of XX/XX/year> highlighting my discrepancies. Only Experian is displaying this information incorrectly & inaccurately. Please get my personal info corrected & those 2 unknown credit card accounts deleted from my profile. Thank you very much.

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 2024-08-11 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: CA

Complaint narrative:
In going over my credit reports with the three credit bureaus I noticed that all three has my last name of XXXX. I have never had that last name nor do I know anyone with the last name of XXXX. This needs to be removed please. 

Second problem is I have been disputing XXXX XXXX with all three bureaus for XXXX years. My accounts XXXX business and XXXX personal were closed by an in house mistak at XXXX XXXX that has never been repaired properly I do have an attorney and a suit will be filed if they cant get it right this time around. Those are not my XXXX XXXX credit card numbers. I have never been sent them, activated them or used them. Yet they remain attached to my name. My three cards were paid off before the accounts were closed. In one of my disputes for XXXX XXXX removed it off of my credit report Now its back on under a collection agency 's name I would like to exercise my 609 rule and ask that if these accounts cant not be verified as mine that they be removed altogether for all negative credit reporting. I do not own these accounts I have never signed for any of the them. I have signed for my three which were closed. 

As my credit is being cleaned up you can see that XXXX found out that I paid long ago and they removed the account but my credit used to be great and then the second XXXX XXXX closed all three my credit report an XXXX went to XXXX overnight. This is not fair I need my credit cleaned because I have done nothing to deserve what XXXX XXXX is doing. 

There would be times when I had extra that I would make XXXX payments in XXXX day to my XXXX  XXXX cards or the next day I would pay again and they had already closed my XXXX accounts in XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
In going over my credit reports with the three credit bureaus I noticed that all three has my last name of XXXX. I have never had that last name nor do I know anyone with the last name of XXXX. This needs to be removed please. 

Second problem is I have been disputing XXXX XXXX with all three bureaus for three years. My accounts 1 business and two personal were closed by an in house mistak at XXXX XXXX that has never been repaired properly I do have an attorney and a suit will be filed if they cant get it right this time around. Those are not my XXXX  XXXX credit card numbers. I have never been sent them, activated them or used them. Yet they remain attached to my name. My three cards were paid off before the accounts were closed. In one of my disputes for XXXX Experian removed it off of my credit report Now its back on under a collection agency 's name I would like to exercise my 609 rule and ask that if these accounts cant not be verified as mine that they be removed altogether for all negative credit reporting. I do not own these accounts I have never signed for any of the them. I have signed for my three which were closed. 

As my credit is being cleaned up you can see that XXXX found out that I paid long ago and they removed the account but my credit used to be great and then the second XXXX XXXX closed all three my credit report an FICO went to XXXX overnight. This is not fair I need my credit cleaned because I have done nothing to deserve what XXXX XXXX is doing. 

There would be times when I had extra that I would make two payments in one day to my XXXX  XXXX cards or the next day I would pay again and they had already closed my three accounts in XX/XX/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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/year> they locked my account, some security freeze, it sbeen locked for over a year with a a blance of over {$3000.00} XXXX  nobody can ge tin contact with the security department that handles my freeze. i was locked out of my online banking so i couldnt even pay my car or credit card online at all. nobody will give me my money or any reason as to why i don thave access to it and it snow been over a year, they also closed my business bank account that had over {$2000.00} in it as well. they mail me staments every month of my account balance but wont grant me access to my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all 3 credit bureaus that our Loan Depot balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at Loan Depot they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all 3 credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a 60+ point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with Loan Depot that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a VA moratorium until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I have a couple cards that were sent to collections while I was in college. I have not heard anything more about these cards since XXXX! I have a debt collector kohn law firm s.c sending mail to my landlord! I have only received one letter from this company. After further review my credit card company states that another company owns my debt. Its embarrassing that they are sending letters to my landlord with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We disputed Specialized Loan Servicing 's ( SLS ) lies that we had an open and delinquent account, when we didn't. Our SLS account had already been closed and fully funded by our refinancing bank. 

However, SLS never returned our XXXX credit points to our XXXX, XXXX, and XXXX Credit Report. 

After we won our XXXX Credit Report dispute against Specialized Loan Servicing ( SLS ), we asked SLS to correct their incorrect account status on our XXXX Credit Report, and to return our XXXX credit points to our to restore our XXXX XXXX of XXXX. SLS corrected our account status. 

However, SLS never returned our XXXX credit points. We have done nothing wrong. A XXXX decrease is outrageous. This practice needs to stop. We work hard to get and keep our 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 2024-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization Ensure meaningful and accurate disclosures of lease terms in advertisements Enable consumers to compare lease terms with credit terms where appropriate Limit balloon payments in consumer leasing I want to dispute and delete this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have a couple cards that were sent to collections while I was in college. I have not heard anything more about these cards since XXXX! I have a debt collector XXXX XXXX XXXX XXXX  sending mail to my landlord! I have only received one letter from this company. After further review my credit card company states that another company owns my debt. Its embarrassing that they are sending letters to my landlord with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TX

Complaint narrative:
I have been a victim of identity theft since XXXX  I have proof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts that's reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY 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 2024-08-11 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: NY

Complaint narrative:
I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name XXXX XXXX XXXX XXXXXXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief