vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/22 I spoke with a rep at each of the following companies, XXXX, XXXX, and Transunion about the possibility that they were reporting fraudulent accounts on my consumer file. I pleaded with them to remove these accounts as I had no knowledge or information on where these accounts came from. I was told by all 3 companies that I needed documentation and to fill out an FTC report. I did just that and sent my letters via certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my report and were somehow verified even though they are not mine. I am extremely confused and frustrated over this because my family and I are trying to buy a house and this situation is keeping us from being able to do so. I called all 3 companies again on XX/XX/22, asking how they somehow proved that these accounts were mine but they only told me to contact the creditors directly and that they couldnt do anything else to help me. I tried contacting all the creditors that were fraudulently reporting on the consumer file, and without any surprise they had no knowledge of me or the accounts either. I am not sure what else to do and after researching online I came across the CFPB website that some friends of mine told me would help me with my situation. I really hope this helps because my family and I desperately need this house we are trying to apply for.

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
In XXXX of this year, I opened a credit card account with XXXX ( Comenity capital bank which is now Bread Financial ). 

I purchased items but made a return in the amount of {$160.00} to XXXX which was never returned to my available credit. I went to the store where these were returned and they said that I needed to contact Bread/ Comenity credit card to make a dispute. 

This company has no direct email address and utilizes outsourced " customer Service '' agents to which I contacted multiple times. Each time, I'm assured that this transaction would be reflected on my next statement this has never happened nor was I given a proper dispute # that was promised via email. 

Additionally, I made a purchase ( online ) in XXXX in the Amount of {$68.00} which was never received although they said it was delivered. 

I have made multiple attempts to pay what I do owe online and each time, the website says I can not make a payment at this time and I have to call in. 

I have since accrued additional late fees and interest because of this and this has been reported to credit bureau. 
Please advise XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My XXXX XXXX commercial banking account had suspicious activity, so I know that the Capital One visa account was also at risk of suspicious account activity. I requested a new card issued through the mail. Capitol One reported on XX/XX/XXXX an inaccurate balance. After I had already made a fraud alert on XX/XX/XXXX. I paid in full the current balance of {$3000.00} on XX/XX/XXXX. XXXX deducted XXXX points ( credit score went down XXXX ) since XX/XX/XXXX. Not fair treatment, it exposes bias in class differences because if I were anyone else in another income bracket... I am sure they would have offered better treatment. My credit utilization on that card is 0 % and not the reported 102 %. I would like my credit information updated and my credit score points restored by XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted XXXX, XXXX and TRANSUNION i have uploaded my FTC report with letter and ID they have ignored my dispute by saying i need all creditors to send me a letter who all declined to do so. I have sworn fraud and ALL NON HOLDING ACCOUNT INQUIRIES ARE FRAUD On ( date ) you placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission.

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter in addition to forwarding me documentation that the unauthorized inquiry has been removed.

If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.

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 2022-10-28 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Hello Ive disputed this midland credit management account numerous times on my credit report. Ive even sent a letter to XXXX and XXXX  explaining my concerns and errors in reporting. Ive requested a full investigation and copy of information for debt validation which I have yet to be provided with. XXXX deleted the account assuming investigation was complete and they could not provide the details I requested. The amount this creditor originally had on my account was {$2200.00} and now around {$2200.00} is being reported I have no knowledge or verification of this account or amount being owed I have never made any sort of payment to this account it is also being reported as open which is not accurate or possible. I also received a letter in mail threatening legal action if payment arrangement was not set up. To my knowledge that goes against FCRA as well as the account is past the statue of limitations in my state so that would be a false threat as well. I also believe it is past the 30 days since I sent in request for investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
For the past three years I've been threatened with court from litigation companies for a debt that was paid. 
The first time I paid I was young and didn't save a copy that it was paid in full. 
Last year was contacted, paid AGAIN because I couldn't find the letter I needed. I did save this paid in full letter. 
This year was contacted again! This time I forwarded the pay in full letter to the litigation company. 

This is paid IN FULL and I was never contacted regarding the debt! For the 2nd time. I WANT MY ACCOUNT CLOSED AND TO NOT BE HARRASSED EVERY YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received two notifications from the Experian Credit Bureau showing that I applied for a credit card with XXXXXXXX XXXX XXXX 

Here is the information and dates for both applications : XXXX. First inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was for a XXXX XXXX XXXX XXXX XXXX XXXX. Second inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was also for a XXXX XXXX XXXX XXXX XXXX Here is the contact info for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX As you can see both applications were submitted 17 days apart which should have been a RED FLAG for XXXXXXXX XXXX XXXX that someone was using my information to obtain a credit card. I have a fraud and Identity theft alerts placed on file with each of the three credit Reporting Agencies : Experian XXXX XXXX and XXXX and so far the only agency reporting this on my credit report is Experian Credit Bureau. 

I filed a fraud complaint with both XXXX XXXX XXXX and Experian Credit Bureau Thanks for your assistance

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 2022-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Did a voluntary repossession on the XXXX XXXX XXXX in XXXX of XXXX to Credit Acceptance. Vehicle was purchased on XXXX & XXXX from XXXX but upon return to the states it had mechanical issues. The purchased vehicle 's warranty was not honored for repairs. The vehicle was voluntary repossessed and told the company it could be picked up from XXXX of XXXX, AL. I don't if storing the vehicle from XXXX XXXX XXXX  because I wasn't in the states. I have not seen the vehicle since XXXX of XXXX. I told Credit Acceptance, i could not afford the loan and repairs as a XXXX  veteran.

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 2022-10-28 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: SC

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 USC 1681. 

US DEPT ED # XXXX, # XXXX, # XXXX and 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 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 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.

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 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
Respected Sir/Madam I Send the the money to my brother XXXX XXXX he live in XXXX the money transfer company name ( Remitly money Transfer ) they said that payment is transfer to my brother account but they lie to us also they did not give the proof of the transfer to his account i already send them my brother bank statement to Remitly transfer company then they decided to locate the money but since XXXX XXXX to XXXX they did not send me any confirmation to me and also not my brother. my brother go to the bank and talk with the bank employee and bank employee said that there is no money come from this money transfer company at all. Remitly transfer company give me the reference no ( XXXX ) and they also give me the ( UTN # XXXX ) but bank in XXXX track those numbers they did not received any money so amount is {$650.00} and the fee is {$1.00} they took that amount from my account from XXXX XXXX now they did not retun that money to me please follow up with them and update me and ask them to send the money back to my account. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: PA

Complaint narrative:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 the amount is {$43000.00} I uploaded my discharge paperwork from VA and I disputed the accounts but the credit bureaus didnt dispute it they kept it on 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 2022-10-28 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: SC

Complaint narrative:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FRCA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. I'm seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX  {$830.00} Opened XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AL

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 USC1681. 

XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX 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 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phenix financial services has called me weekly for the last month from multiple phone numbers that show locally in XXXX Texas, or in that surrounding area. When I speak to the representatives at Phoenix, I am told there are multiple people in their system that have my phone number. Then I am told that they are going to physically remove my phone number from their system. After each such promise, I received another phone call the following week to collect a debt against my phone number but my name is not in their system. I put them on notice last week that this was fraud I put them on notice this week today that I was filing a complaint. I have had the same cell phone number since XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Receiving daily solicitations from private vendor relating to Equifax. Name changes but all seem tied to XXXX. You hit Block sender and a new name appears XXXX sender of this XXXX Get Your New XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 








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Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been submitting multiple disputes to these companies since XX/XX/2022, and they have not addressed the accounts that do not belong to me that are continually reporting on my credit report. 

They have continuously " updated '' the accounts. Their website results are the same and their online system doesn't allow me to submit any more disputes regarding these fraudulent accounts that don't belong to me. 

I have called the credit bureaus regarding the accounts that are not mine and their response is the same, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have requested a copy of what these companies have provided to them that certifies these accounts belong to me, but they won't release such 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 non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
My FedLoan transferred their servicing of my student loans to XXXX in XXXX of XXXX. However, they did not transfer any of my payment history. I spoke with customer service help at FedLoan this week and they said the history transfer would be forthcoming. Today I received a copy of my alleged payment history from FedLoan. However, I graduated in XXXX and there is no payment history before XXXX. My loans were consolidated in XXXX and I have never defaulted on a payment. It feels like they are lying about me and trashing my credit and work history in order to keep me from getting my loans forgiven in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: OH

Complaint narrative:
Experian has Violated My Consumer Rights. I Received A Copy of My Credit File And Experian Failed To Provide Verifiable Proof of The Original Creditor Signiture. Experian Violated 15 U.S.C. 1692 ( a ) ( b ). I Have Been Misrpresented And I Have Reason To Beleive Criminal Activity Is Taking Place Concerning My Credit File With Experian Fraud, Identity theft And Saling of my personal Information Without My Consent.

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