vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: MO

Complaint narrative:
XXXX XXXX XXXX  XXXX - This was Paid as agreed and should not be showing any derogatory information on my report. 

XXXX XXXX - XXXX - As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have recieved my Copy B form from my 1099C cancelation of debt for XXXX XXXX loans. Amount of debt canceled and forgiven of {$13000.00} at the time it was along with any update amount showing now. As well as another Copy B form i have recieved for XXXX XXXX XXXXXXXX XXXX XXXX account. Form 1099C cancelation of debt to be properly updated on my experian credit score as paided as agreed as the debt was also canceled and forgiven. Both 1099C forms i will attach to this compliant for my XXXX loan and car loan account to be properly reflected and finilized for my Experian credit report and XXXX as shown.

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 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I made a purchase from XXXX XXXX. I returned all the items and paid the return fee. I then received a bill for the merchandise. I called several times and told them that I didnt owe them anything. They continued to send me bills. I placed a complaint and they finally said I didnt owe anything. But as this took them so long. They had reported my account to the credit bureau. They never removed it and it has affected my credit score by a good amount. I believe the items ordered were in XX/XX/XXXX. I even mailed a dispute on XX/XX/XXXX. They still tried to say I owed them. It took a long time before a phone call to a supervisor finally got them to say I didnt owe anything. But they made it seem like they wrote it off and closed my account. Ill NEVER buy from them again XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: AL

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Docket Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX A states I HAVE A RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 also states A CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 C. ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681s-2 ( a ) ( 1 ) States a person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe the information may be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX XXXX  {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Equifax Credit Reporting Re : Hard Inquiry. 

Dear Sir / Madam, During the review of my consumer credit report recently, I noticed 2 hard inquiries placed in my consumer report by XXXX XXXX XXXX on XX/XX/XXXX, and anther by XXXX XXXX on XXXX which is ( 31 DAYS ) which is a violation according to CFPB. 

According to CFPB publication of XX/XX/XXXX, title WHAT HAPPENS WHEN A MORTGAGE LENDER CHECKS MY CREDIT, the agency stated that WITHIN 45 DAYS WINDOW, MULTIPLE CREDIT CHECKS FROM MORTAGE LENDERS ARE RECORDED ON YOUR CREDIT REPORT AS A SINGLE INQUIRY. PLEASE SEE CFPB PUBLICATION ATTACHED TO THIS COMPLAINT. 

Please, kindly remove the above-mentioned hard inquiries from my consumer report because you are in violation of CPFB rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This company ran my credit without my authorization or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Account XXXX - XXXX I just took a look at my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon complection

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 2024-05-26 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: CA

Complaint narrative:
US DEPT OF EDXXXX Account Number - XXXX I just took a look at my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon complection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: MO

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in my credit report. I am a victim of identity theft and did not make the charge. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Identity Theft Affidavit. Please delete these items as soon as possible

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 2024-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I was renting an XXXX XXXX XXXX on the XXXX floor of a house that was owned by an XXXXXXXX XXXX  that lived in XXXX. 
The wife, XXXXXXXX XXXX XXXX XXXX, rented it to me with no contract, for a low price. 
The husband, XXXX XXXX and their XXXX kids, XXXX XXXX ( from a previous marriage of XXXX 's ) and XXXX, XXXX, made up the family. I felt safe with them but should not have. 
XXXX and I knew each other because we were in the process of joining a co-housing community in XXXX XXXX XXXX. 
We were required to join a XXXX meeting every other week for 6 months with other cohousing members before being approved. 
Over time, for no reason other than XXXXXXXX XXXX ( he kept XXXX locked in the house and didn't want me, who demonstrated my fearless autonomy in the world, " educating her that women could be independent ) became more and more hostile and threatening to me. XXXX said, strangely, that I was trying to come between her and her children!!!! 
The undeserved hostility came to a head around XX/XX/XXXX when I became so afraid that I had to call the police. 
XX/XX/XXXX They told me to evacuate the apartment and house, which I did taking only my computerXXXX XXXX XXXX and the clothes I was wearing. 
This is how I lost my American phone and number which I used to verify my identity to Citizensbank in XXXX. I used my phone this way since leaving the XXXX XXXX XXXX XXXX 
I have not been able to verify my identity since XXXX so my Social Security and XXXX XXXX XXXX deposits have just been accruing with my not being able to withdraw my own money that I've worked my entire life for. 
I am XXXX. 
I have worked tirelessly to get another unlocked XXXX and try to attach another XXXX  phone number to it for verification. 
I have tried installing a verification app on the phone I use primarily. 
I am very good at technology, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but neither I, nor anyone, nor the people at XXXXXXXX XXXX XXXX XXXX  ) nor anyone at Citizensbank nor anyone at any app company have been able to provide a way for me to verify my identity to this " bank '' so that I can access MY OWN MONEY!!!! 
I spent MANY HOURS trying and trying and trying!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: TX

Complaint narrative:
I am a victim of identity theft and I have incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I sent a cease-and-desist letter to I.C. System on XX/XX/year>, requesting that they cease all communication with me regarding an alleged debt. Despite this clear request and prior notification, the debt collector reported the account to my credit report, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 805 ( c ) and 15 USC 1692c ( b ).

To clarify, I sent the cease-and-desist letter before the account was posted on my credit report. After being notified, I.C. System proceeded to add the account, which qualifies as a form of communication in violation of the FDCPA.

I demand that this account be immediately deleted from my credit report. Additionally, I request that I.C. System send me written confirmation of the account 's removal and assurance that no further collection attempts will be made. 

I am aware that each violation of the FDCPA entitles me to monetary compensation. If this issue is not resolved within the next 15 days, I will proceed with filing a lawsuit with the State Attorney to seek such compensation.

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 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
KINGS CREDIT SERVICE Reported : XXXX. XXXX, XXXX  {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
PLEASE SEE ATTACHED I recently checked my credit report and noticed a inaccurate account and inaccurate personal information. Per the attached I have made multiple attempts to the company with no response and or updates to my 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 2024-05-26 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: FL

Complaint narrative:
PLEASE SEE ATTACHED I recently checked my credit report and noticed a inaccurate account and inaccurate personal information. Per the attached I have made multiple attempts to the company with no response and or updates to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX. I just received my credit report. I noticed you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a pas due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX. I just received my credit report. I noticed you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a pas due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Global Lending Services LLC
State: VA

Complaint narrative:
Company ran my credit without my consent or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: AZ

Complaint narrative:
Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be updated immediately : XXXX XXXX XXXX XXXX : {$460.00}

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 non-monetary relief
Consumer complaint received 2024-05-26 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: MI

Complaint narrative:
Experience has been given my correct address multiple times. They convertly try to say theyve made changes while keeping all information the same. They send me emails stating information is changed and yet its not. They then try to charge me to update my file when they have finalized to correct it. I will not be paying for another subscription update my credit file while they continue to report fraudulent information

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 2024-05-26 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This company ran my credit without my authorization or permission

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 2024-05-26 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: Lentegrity Management, LLC
State: VA

Complaint narrative:
This company ran my credit without my authorization or permission

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: AZ

Complaint narrative:
I looked at my credit report on XX/XX/year> and noticed some hard inquiries that did not have permissible purpose.I also attached evidence due to the misleading and misinformation of the bank employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to the violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.

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