vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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

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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: PA

Complaint narrative:
I was viewing my statements recently because I was due for a refund from XXXX and wanted to ensure that it hit my account, while checking my statements I noticed something awfully peculiar about the order of my transactions, they werent in the order that I originally placed them! This has caused a significant accounting error for them where it has placed me as seen on Tuesday XX/XX/2023 I have a running balance deficit of $ XXXX and when my check was cashed it only showed that I had XXXX in my running balance when my check was for XXXX, when I woke up that pay morning, that was my balance, when I was done dealing with XXXX and getting robbed by them my balance was close to XXXX bucks. This bank is an atrocity. I have tried telling them they reorganized my transactions but they keep gaslighting me and telling me that I have on auto rounding ( which i do and am fully cognizant of, the fact they dont think i am is so insulting, they are rewriting the events of my life to profit more. ) ( Also Dave isnt a bank, this is about Dave but its also about XXXX XXXX as well, yall are professional cheats. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX  of a XXXX individual as documented in XXXX  reports. I have had to flee XXXX miles with my XXXX XXXX XXXXnd these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all XXXX reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. 


I am unsure why either ZALES XXXX XXXX would have had a XXXX response, as the report shows Comenity is the " owner '' and the accounts were sold. 

My report shows both accounts XXXX responded to me as " owning '' originate with comenity capital ( as does a Victoria 's secret card that is not mine ) not XXXX. I have never had a XXXX account of any kind. 

The XXXX account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/2108. 

IF the Victoria 's Secret Card is also XXXX 's, and once Again ALL XXXX are listed as XXXX XXXX  on my report, that would also need deleted. 

The account, account number XXXX, reference number XXXX XXXX XXXX  on XX/XX/2017 and was opened with Victorias Secret. The Zales account account XXXX XXXX XXXX, formerly Zales is listed as Comenity. 

ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
Under the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL.XXXX, Account # 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 an account without my written instructions

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. 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 have never been late on payments for the account : ( XXXX XXXX ) : ( 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 on time as they should be as I was NEVER Late. 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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. 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 have never been late on payments for the account : ( XXXX XXXX ) : ( 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 on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I found some hard inquiries on my recent report that do not belong to me

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 2023-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt should not even be listed, it has been at least 8 years, I have requested validation and received nothing. I have disputed and received nothing. Please help assist

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  # XXXX, DEPT OF ED/XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 an 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called Truist. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. 

I also had an inquiry from XXXXXXXX XXXX  I did not authorize. I was unable to get in touch with them by phone.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report. 

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report.

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX. Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to ABSOLUTE RESOLUTIONS and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : ABSOLUTE RESOLUTIONS/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
So I pulled my credit report XX/XX/. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/. I reached out to XXXX XXXX on XX/XX/. I reached out to XXXX on XX/XX/. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
So I pulled my credit report XX/XX/. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/. I reached out to XXXX XXXX on XX/XX/. I reached out to Equifax on XX/XX/. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I authorized this company to take a payment off of my debit card on Saturday, XXXX, XXXX, 2023 in the amount of {$140.00}. This amount came out of my account that same day. They then proceeded to send me an email and text message telling me my payment failed when they took the money out of my account. The phone numbers they have listed do not work and you can not speak to anyone. Ive tried to email them and they have refused to respond. The company preceded to send me and my mother messages threatening to send us to court for the money they already received from me. My mother went online to process the same payment that they took from me and they charged her double which was {$290.00}. They credited her double payment but never credited my payment that came from my account.

Company response to consumer: Closed with explanation