vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

1. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXXXXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 2. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 3. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. 15 USC ( 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments were made on time I SENT OUT DISPUTE LETTER TO REMOVE LATE PAYMENTS BECAUSE Under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 

Also, I DISPUTED ACCOUNTS THAT WERE NOT MINE, AND CREDIT BUREAUS STILL LEFT ON MY REPORT AND DIDN'T COMPLY WITH THE FEDERAL TRADE COMMISSION

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts is written as a charge off on my credit report and I never received any of the 1099 cancel of debt forms from original creditor and because of that this account is inaccurate and needs to be removed immediately if the account was written off by the creditor this means that the account is an taxable income and is paid off and that there should be an XXXX balance on the account and it should be removed from my credit report immediately thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX is reporting " OPEN '' ACCOUNT for a charged OFF account which also reporting a PAST DUE of XXXX this is inaccurate reporting! You canot report an open account which has been charged off showing a past due balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
ON XX/XX/22 I GOT FIRED FROM MY JOB AS A XXXX XXXX  AT XXXX AT XXXX XXXX. I ALSO LIVED THERE AND FOUND OUT I WAS XXXX. AFTER LOSING MY JOB I HAD NO INCOME TO CONTINUE TO KEEP UP WITH MY BILLS. I HAD APPLIED FOR TEXAS RENT RELIEF I GOT APPROVED HOWEVER THE RENT CHECK WAS SENT TO THE WRONG ADDRESS EVERYTHING THAT WENT ON THE PROPERTY MANAGER WAS INFORMED. I APPLIED FOR JOB AFTER JOB NOTHING WAS NOT MOVING FAST ENOUGH. THIS WAS A NATURAL DIASTER FOR ME AND MY FAMILY. IM DEMANDING THIS DEBT TO BE REMOVE OFF MY CREDIT. I GET FIRED I APPLIED FOR RENT ASSISTANCE GOT APPROVED IT WAS NOT FAULT IT WAS TEXAS RENT RELIEF THEY WERE WORKING TO FIX THE PROBLEM. ITS HARD FOR ME TO GET A HOME FOR ME AND MY XXXX KIDS. HOW DO YOU EXPECT ME TO PAY RENT AFTER YOU FIRED ME KNOWING I LIVED ON PROPERTY. THERE WAS A MOTION FOR NONSUIT OR DISMISSAL FILED FROM THE PLAINTIFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to lodge a formal complaint against Comenity Capital Bank regarding their debt collection practices for my account with The Children 's Place. My complaint centers on what I perceive to be a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) due to the frequency and nature of their communication attempts. 

Account of Events : In the past week, I have received an excessive number of calls from Comenity Capital Bank, detailed as follows : XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls These calls have been persistent and have often occurred at inconvenient times, without providing me with a reasonable opportunity to discuss my account or the alleged debt, which currently stands at {$120.00}. 

Reference to Laws and Regulations : I believe these actions by Comenity Capital Bank are in violation of the FDCPA, which prohibits debt collectors from engaging in conduct that can be seen as harassment, oppression, or abuse. The volume and pattern of calls suggest an intent to annoy, harass, or intimidate me into making a payment.

Impact on Me : The constant and relentless calls from Comenity Capital Bank have caused me significant stress, XXXX, and disturbance to my daily life. This situation has affected my mental well-being and my ability to maintain peace and privacy within my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
PER FCRA, as a federally protected consumer, I am now opting out of any and all authorizations or consents to report that I, the consumer may have given you, written, non written, verbal or non verbal. PER 15 USC 6802 ( See attached opt out letter ) EFFECTIVE : IMMEDIATELY & INDEFINITELY. DATED BACK TO XX/XX/2023 PER PRIVACY ACT AND YOUR TERMS & CONDITIONS YOU HAVE VIOLATED MY NON PUBLIC IDENTIFIABLE INFORMATION AND I ASSERT MY RIGHTS AND DO NOT GIVE CONSENT FOR MY INFORMATION TO BE SHARED WITH ANY AFFILIATES OR THIRD PARTY AFFILIATES ie : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I received a loan summary and payment booklet from Fifth Third Bank. It had the name of : XXXX XXXX XXXX with my address. We do not know anyone with this name. 
Account number : Loan amount : {$50000.00} Term : XXXX months Monthly payment : {$850.00} First payment due : XX/XX/year> I called Fifth Third Bank at ( XXXX ) XXXX on XX/XX/year> and was told I needed to file report with the USPS. Which I did. Then I asked to speak to a supervisor and was told someone would call me back. No one did. 
Called on XXXX XXXX spoke with a supervisor named XXXX who said I needed to call Headquarters at XXXX to get my issue resolved. I called the number five times and there was a recording that said no one was available to take my call. I called again on the XXXX. Same recording. I then called the XXXX again with no resolve. 
My husband then called the XXXX number on XX/XX/year> put in the account number and put the last four numbers of my social in and it was associated with the account. He then spoke with a supervisor after two times calling and they stated it will be turned over to fraud accounts and we will be notified in three business days. We havent heard anything yet. My husband and myself have placed freezes on our credit reports. I was unable to freeze my report with XXXX. I did call but it is Presidents day so will try back tomorrow. I have tried to do everything we can think of to protect our assets. This is a very frustrating process which has taken numerous calls and we still do not know if it has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Midland Credit Management, does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
somebody my id theft and make credit card and used it.. 
but I did not realized that

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 2024-02-19 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: Marlette Funding, LLC
State: IL

Complaint narrative:
LATE PAYMENT LETTER Your Name- XXXX XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip code XXXX IL XXXX Receiver Name XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 

LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX Best Egg.- XX/XX/XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX XXXX Best Egg XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make paymentsA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please re investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed.

I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made.

Thank you for your attention in this matter, Last : First-Middle Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US DEPARTMENT OF EDU Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENT  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding their failure to respond to my dispute. On XX/XX/2023, I mailed a dispute letter to Bank of America, addressing inaccuracies they are furnishing to the credit bureaus. Despite the statutory requirement for furnishers to investigate consumer disputes and provide a response within 30 days of receiving the dispute, I have not received any communication from Bank of America regarding the outcome of their investigation. 

As per the Fair Credit Reporting Act ( FCRA ), it is imperative for furnishers like Bank of America to promptly address consumer disputes to ensure the accuracy of credit information. However, Bank of America has failed to fulfill their obligations under the FCRA by not responding to my dispute within the stipulated timeframe. 

I am including a copy of my dispute letter sent to Bank of America to demonstrate the efforts I have made to resolve the errors on my credit report. Despite my attempts to engage with them, Bank of America has not provided any response or taken appropriate action.

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 2024-02-19 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: MS

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: VA

Complaint narrative:
A third party collector show up on my credit report by the name of XXXX XXXX XXXX and I do not know who they are. It says sprint but I have never had sprint before. This information is false. And I would like it removed asap

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 2024-02-19 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief