vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I did not authorize the following inquiries on my consumer report 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 non-monetary relief
Consumer complaint received 2024-10-24 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I did not authorize the following inquiries on my consumer report 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 2024-10-24 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: IN

Complaint narrative:
This company LVNV Funding LLC sent an email to my half sister that had my account information on it about a debt they were trying to collect. The email was address to me, by first name and said my account will be sent to an attorney for possible lawsuit in 4 months. The email said to review the account information that included the last 4 numbers of the account number, the original creditor 's name, the current owner of the account with a different ID and the total balance I owed. 

I assumed in their research, they thought I was using a different name, because me and my half sister have similar names, but we do not communication often, do not live in the same state, and do not share emails. She should not have all of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I would like the authorized user credit card Chase Sapphire Preferred with a {$5000.00} limit removed from my credit report. I do not want this reporting on my credit report because according to the FCRA I can block anything from my credit report. Please remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IN

Complaint narrative:
My loan server for a federal student loan is EdFinancial Services from XXXX, TN. 

I paid {$1100.00} in XX/XX/year>. Before the payment cleared, I paid the remaining balance of over {$34000.00} and closed the account. Thus, I overpaid the loan by {$1100.00}. I immediately asked for my overpayment to be returned. In XXXX, I checked the status. EdFinancial Services stated that they asked for a refund from the Department of Education but stated that there was no timeline for a refund. For the next few months, I kept checking the status. I was told that the refund was issued on XX/XX/year>. Today 's date is XX/XX/year>, and I have not received it yet. 

EdFinancial Services stated that there is no timeline for me to receive the check. Seven weeks to get the check in the U.S. mail is way too long. Obviously, there is a problem. On XX/XX/year>, I did ask for the check to be canceled and for a new one to be issued. I was then told that a check for {$590.00} was issued on XX/XX/year>, but that does not make sense. I questioned it, and EdFinancial Services went back to their original statement that a check of {$1100.00} was issued on XX/XX/year> and there is no timeline for me to receive the check. It has been almost 5 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX was fraudulently opened and chime was a prepaid card I could only use what I loaded and I closed it myself and their was no balance left but they reported I owed when I asked them to close the account and I didnt

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 2024-10-24 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: GA

Complaint narrative:
Fraudulent Activity and Violation of Privacy Rights by XXXX, XXXX, and TransUnion I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, XXXX, and TransUnion. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting erroneous accounts on my credit report. The following companies have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure these fraudulent and inaccurate accounts are removed from my credit report. I am also requesting that the CFPB ensure that XXXX, XXXX, and TransUnion comply with their legal obligations to protect consumers privacy and accurately report credit information. 
Please feel free to contact me should you require any additional information or documentation regarding my case. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

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 2024-10-24 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:
Fraudulent Activity and Violation of Privacy Rights by XXXX, Equifax, and XXXX I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, Equifax, and XXXX. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting erroneous accounts on my credit report. The following companies have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure these fraudulent and inaccurate accounts are removed from my credit report. I am also requesting that the CFPB ensure that XXXX, Equifax, and XXXX comply with their legal obligations to protect consumers privacy and accurately report credit information. 
Please feel free to contact me should you require any additional information or documentation regarding my case. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
I requested the origination of debt dates be corrected to XXXX of XXXX  and I advised them that I was awarded XXXX XXXX XXXX and charity to cover all XXXX  XXXX debt from my XXXX XXXX  account, I was advised that all divisions and departments was {$0.00} and I requested National Recovery to send proof and validity so that I may take it to the hospital to get it handled and I was never mailed, emailed or contacted and they just entered the incorrect information on my credit reports after the initial phone call in violation of my HIPPA and FCRA consumer rights of validity. I have since disputed these matters on my XXXX XXXX, XXXX and XXXX accounts just for them to validate and affirm this inaccurate information in the span of less than a week and without forwarding me the tangible proof that I requested. 

National Recovery XXXX {$15000.00} National Recovery XXXX {$2600.00}

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my TransUnion consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

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 2024-10-24 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: GA

Complaint narrative:
Based on, 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

You have 30 days and if the accounts arent removed you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
increct information on my credit report XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I purchased a vehicle from XXXX XXXX and had it financed through XXXX XXXX. The payment process has been very painful. I enabled automatic payments. They didn't go through. Now they have me using an automated phone payment through a third party. I think it's to avoid liability for this.

It goes like this : Does your account number start with 1?

Yes or No Please enter your account number.

Please enter your billing zipcode.

Sorry that was an invalid input.

[ Loops 3 times ] [ Disconnects ] I am unable to make payments. Their help line just redirects me to the same thing. Unable to make contact with a human. I feel this is predatory and trying to make me default on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: VA

Complaint narrative:
All three bankruptcies were unlawfully handled and reported to my consumer credit report by the three credit agencies without my consent or knowledge or me being notified 5 days prior identity theft and violation 15 usc 1681as well as XXXX  and 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 2024-10-24 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: NY

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-10-24 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: AZ

Complaint narrative:
My accounts were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A 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.

Those companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-10-24 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: AZ

Complaint narrative:
My accounts were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A 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.

Those companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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