vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: OH

Complaint narrative:
I have no knowledge of this suspicious activity on my credit report which includes negative items & personal information Credit Companies, Addresses & Names of other people. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-18 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: OH

Complaint narrative:
I have no knowledge of this suspicious activity on my credit report which includes negative items & personal information Credit Companies, Addresses & Names of other people. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18 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: GA

Complaint narrative:
I received my consumer reports and noticed that I have XXXX late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!

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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/2024 - Contacted XXXX XXXX XXXX, XXXX via email regarding XXXX accounts. Received information on XXXX account, showing a balance of {$250.00}, significantly lower than reported on credit report. Requested further validation of debt. 

XX/XX/2024- XXXX XXXX XXXX informed account placed in dispute ; awaiting validation from XXXX XXXX before resuming collection activity. 

XX/XX/2024 - Followed up with XXXX XXXX XXXX, informed account returned to XXXX XXXX. XXXX Credit Collection Service reporting both accounts on credit report. 

XX/XX/2024 @ XXXX - XXXX contacted Credit Collection Service, representative XXXX requested {$1.00} fee to review information for debt validation, violating multiple laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: OK

Complaint narrative:
My credit report is causing personal issues for me and contains inaccurate data, as well as incorrect drops in score ( XXXX ). 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX known as a " XXXX '' loan ), since XXXX. I have never missed a payment, nor have I ever been XX/XX/XXXX days late. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXXansferred their " XXXX '' line of personal loans, to a company called " SST '' ( Systems & Services Technologies , Inc. ). Recently, reported on both my XXXX XXXX and XXXX reports, I've had score drops of XXXX points. This was due to the " SST '' account being listed as a " new '' account. This is technically just a " transferred account ''. 

The Primary issue is on both my XXXX XXXX, and XXXX reports, the payment history is missing, which will eventually result in late payments on my credit report. This would be 100 % not accurate, as I have never missed, been late, or skipped any payment with XXXX XXXX XXXX or SST ( Systems & Services Technologies , Inc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: AmeriCash Holding LLC
State: TX

Complaint narrative:
" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute. 

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that 'A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute. 

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option. 

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that 'A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: AR

Complaint narrative:
To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2024-03-18 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: IN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Experian the date last active is ( XX/XX/XXXX ) an on XXXX it's ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX  XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MD

Complaint narrative:
Inaccurate information on my credit report from ALL 3 major credit bureaus. 
Name on credit report is inaccurate. 
False Addresses social security numbers unauthorized or fraudulent accounts reporting false and unknown inquiries Hard Credit inquiries without my consent or knowledge

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 2024-03-18 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Unknown party from Georgia, XXXX address obtained Visa Sportsman credit card with {$2000.00} credit line, made purchases, and set up payment with Comenity Bank in XXXX which was declined. Comenity Bank then began campaign to call me demanding payment for a card I never heard of, nor ever had. I live in North Carolina. The first representative I spoke with from Comenity Bank said she could see where someone had opened the Comenity Bank account, set up the NSF payment for the {$2000.00} plus charges they put on the card. When she put me on hold, and disconnected, she never called back. A second Comenity Bank representative called a week later wanting 3 months payment. He also could see the account came from a fraudulent account. I was put on hold again and disconnected. Now Comenity Bank is reporting late payments on my credit report. Please help remove this fraudulent activity from my credit. The Sportsman Visa was piggybacked off of my Breadcash credit card which is a card I pay as agreed, on time. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024 the amount of {$49000.00} was wired out of my account without my permission or knowledge. I called Chase bank and reported the fraud and tried to recall the wire, however they closed the case saying that the responding bank is not able to return the funds. This wire was unauthorized and should not have been sent to begin with. I did not receive any details regarding this wire nor did the bank send me notifications or vertification while adding a new payee into my account which is usually the case. I have been to the branch several times and have been advised to file this complaint in order to escalate it with chase and have them look into this situation once again. Chase needs to look into the IP address from where the wire was initiated from and by whom and I would like my funds returned as I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX spoke to XXXX in XXXX XXXX she said my application was denied again. A letter was mailed out to me. There is a foreclosure sale for my house XXXX Mortgage assistance application sent XXXX XXXX, XXXX XXXX said intake did not open application I sent. because in the computer it says there are no more options available to help with my mortgage. 

See Wells Fargo servicing timeline for my mortgage loan.

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 2024-03-18 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: OH

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/2023 my debt was re-aged causing my credit score to decline again. My credit score already took a hit when XXXX reported to credit report. The attempt to re-age a debt when the debt is set to fall off is illegal! The next step will be to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint against Comenity Bank for their continued erroneous reporting of a debt to the credit bureaus that legally does not belong to me. This unwarranted action has unjustly affected my credit score and has caused significant financial and emotional distress. On XX/XX/2021, I received a Notice of Dismissal from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois, presided over by XXXX XXXX XXXX XXXX. This legal document confirms unequivocally that the alleged account, which was initially opened with Comenity Bank and subsequently sold to XXXX XXXX XXXX XXXX XXXX, was dismissed without prejudice on the Plantiff 's motion. Moreover, the dismissal mandated the cessation of all future reporting related to this account. Despite this clear legal directive, Comenity Bank has continued to report this account as a charge-off to the credit bureaus even though they sold it to another company ( XXXX XXXX XXXX XXXX XXXX This action is not only a direct contravention of the court 's order but also a gross violation of my rights under the Fair Credit Reporting Act ( FCRA ). The persistent negative reporting has unjustly impacted my credit score, limiting my access to financial opportunities and causing undue stress and hardship. I have made several attempts to resolve this matter directly with Comenity Bank, providing them with the necessary legal documents and repeatedly requesting the correction of their records to reflect the court 's decision. Regrettably, my efforts have been met with inaction, and the erroneous credit reporting persists. 

I am also reporting that Comenity Bank is in complete violation of the FCRA laws 1. 15 USC 1681 section 602 states I have the right to privacy.

2. 15 USC 1666b which states a creditor can not treat a payment on a credit cards account under an consumer credit plan as late under any purpose.

Therefore, I am seeking the intervention of CFPB to facilitate the following resolutions : Comenity Bank must cease all negative credit reporting related to this account and rectify the information previously reported to the credit bureaus. 

XXXX of Accounts : COMENITYXXXXXXXXXXXX  Account Numbers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation