vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: NC

Complaint narrative:
I purchased a vehicle at a XXXX XXXX  and financed via XXXX XXXX. I authorized them to pull credit one time. They pulled it 3 times in a row and it is negatively effecting my credit. My report shows 3 inquiries all in the same day. I have reached out to the dealership multiple times and they continually say someone in the finance department will get back to me but nobody ever does. All I am asking is that they have this corrected to show only 1 pull of credit and remove the 2 duplicates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested a security freeze be placed on my credit profile on XX/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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I requested a security freeze be placed on my credit profile on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccuracies that do not reflect my financial transactions or credit history. This situation is a direct violation of the Fair Credit Reporting Act, notably under Section 15 U.S.C. 1681e ( b ), which obliges credit reporting agencies to ensure the accuracy of the information they compile on individuals. Enclosed are the documents that substantiate my claims of these discrepancies. I request an immediate investigation and the correction of these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Reference CFPB # XXXX and Fraud Case XXXX I faxed the required documents on XXXX and when I called again to follow up on the status on XX/XX/year> I was told it was never received. 

Attached is a copy of the confirmation and docs again. Please provide your full fraud report, investigation, and your findings. 

Also XXXX XXXX stated they would email the bank statements to XXXX but it was never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report. I noticed several inaccuracies, unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: PA

Complaint narrative:
I have applied for IDR plan in XX/XX/year>. I followed up with XXXX. They told me to go through Mohela. I started getting bills for {$400.00} a month, I called Mohela and they put me on a temporary forbearance. I tried applying for an IDR in XX/XX/year> through XXXX XXXX and through Mohela. Theres not a current way to apply online and Mohela said its because of the SAVE plan issues. I attempted to fill out a paper application and upload it to Mohela or XXXX. Neither has a way to upload the application. Its ridiculous that theres not a way to apply for IDR and have it be approved right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I requested a security freeze be placed on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.
5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello and Good Day, I reached out to ( Experian ) credit bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them as well. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The account is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$1400.00} They have not ( Experian ). Attached are copies of the 1st, 2nd and 3rd round of disputes letters that I have sent out as well as a copies of the fraud report ( I have sent 3 rounds of of dispute letters about this account and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling 3 letters each round I sent a copy of the my fraud police report as well. Because of this grave error it has cost me dearly with trying to buy a home as well as my job. The reporting agency ( Experian ) has not done their job under the Fair Credit Report act ( they have responded saying it was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Please let me know. Thank you for your time in this matter. 

( Attached are a copy of 3 rounds of dispute letters, a copy of all 3 three certified mail tickets and a copy of my police fraud report ) kind Regards, 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 2024-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Was gifted a {$400.00} American Express gift card. Activated and added to my XXXX XXXX  as per the instructions of the card. Tried to use it to pay for a service at a hotel and card was declined. Had the cashier manually input the number including expiry date as well as cvv and it was declined. Tried calling customer service but the phone tree doesn't allow you to speak with a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding inaccuracies on my credit report, which I have been unable to resolve despite my efforts. Specifically, I have noticed several hard inquiries on my credit report that I do not recognize, nor do I have any open accounts with the companies responsible for these inquiries. These inquiries are adversely affecting my credit score, and I have no knowledge of where they originated.

Furthermore, I have identified a few closed accounts on my credit report that I do not recognize. I did not open these accounts, nor have I had any prior dealings with the creditors reporting them.

I have attempted to address these issues with the credit bureaus, but they have failed to comply with the Metro 2 standards for reporting accuracy. As a result, my credit report contains erroneous information, and my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding inaccuracies on my credit report, which I have been unable to resolve despite my efforts. Specifically, I have noticed several hard inquiries on my credit report that I do not recognize, nor do I have any open accounts with the companies responsible for these inquiries. These inquiries are adversely affecting my credit score, and I have no knowledge of where they originated.

Furthermore, I have identified a few closed accounts on my credit report that I do not recognize. I did not open these accounts, nor have I had any prior dealings with the creditors reporting them.

I have attempted to address these issues with the credit bureaus, but they have failed to comply with the Metro 2 standards for reporting accuracy. As a result, my credit report contains erroneous information, and my rights under the Fair Credit Reporting Act ( FCRA ) have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: KY

Complaint narrative:
Collections account appeared on credit report in amount of {$14000.00}. This far exceeds any back rent that I owed and landlord made no attempt to contact me regarding any additional amounts within state limits. I have received no communication on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: AL

Complaint narrative:
MY IDENTITY HAS BEEN COMPROMISED DUE TO DATA BREACH AND I AM SEEKING REMOVAL OF AFFECTED ACCOUNTS FROM MY CREDIT REPORTS. I HAVE ALREADY FILED AN FTC REPORT AND CONTACTED THE CREDIT BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below 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 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Upon my next recertification, my understanding is that my income-based repayment plan will increase to an amount that I can not afford. When I originally established a repayment plan, it took multiple conversations and hours on the phone with Navient trying to understand my options and potential cost. It was a confusing process, and I was overwhelmed throughout. I also was unaware of the potential impact of accumulating interest and how that would impact my ability to both repay the loan and the long-term impact on my ability to own a home and provide for my family. I feel that Navient was deceptive and almost purposefully confusing during the process. Now staring down this increased payment, I find that the process is unfair, and I am feeling helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Sir/Madam, This letter serves as a formal complaint regarding LVLN Funding 's continued harassment and failure to provide proper validation of the alleged debt referenced above, for two accounts. 

Despite my written notifications disputing this debt on six to seven separate occasions, your company has persisted in sending harassing emails and letters. These communications not only disregard my dispute but also contain threats of legal action, stating that I have two months before legal proceedings will commence if payment is not made. Such actions are unacceptable and may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Furthermore, your attempts at debt validation have been insufficient. The only documentation provided has been a one-page credit card summary, which fails to include : XXXX. **Proof of the original purchase agreement** between myself and the original creditor, including any valid signatures. 
2. **Verification of the chain of custody or sale**, demonstrating that LVLN Funding has the legal right to collect this debt.

3. **Comprehensive account statements** that substantiate the amount and validity of the alleged debt. 

Your failure to provide proper validation hinders my ability to assess the legitimacy of this claim. Under the FDCPA, I am entitled to complete and accurate information, and your current documentation does not meet these legal requirements. 

**Demand for XXXX : ** XXXX. **Cease and Desist : ** I demand that all harassing communications via email and mail stop immediately until this matter is properly resolved. 
2. **Proper Debt Validation : ** Provide full validation and verification of the alleged debt, including all documents outlined above, sent through certified mail.

3. **Refrain from Legal Threats : ** Cease making unfounded threats of legal action without first fulfilling your obligations under the law.

I expect a written response within 30 days of receipt of this letter, detailing the actions your company will take to rectify this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: AL

Complaint narrative:
I notice my Consumer Report that there's several of Hard Inquiries that I don't know and did not give premission for them to pull my credit. According too 15 US CODE 1681 they're to report records and promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed this account as inaccurate information and no respond to provide proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: WI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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

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