vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 non-monetary relief
Consumer complaint received 2024-07-22 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: MS

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I sent a cashiers check to money lion in the amount of {$940.00} XXXX thought it was lost in the mail so I was waiting the 90 days to get a new cashiers check issued. In the meantime I paid off my loan in full with other money. I call back the bank to start the issusance of a new check and they stated money lion in fact cashed my check XX/XX/year> and sent me proof. After many calls to the company. I was told my check is still pending and no explanation as to why. It was XX/XX/XXXX this is now a month and a half and Im told the pending check still isnt approved. I over paid them {$940.00}. Please help me get a refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-22 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: LA

Complaint narrative:
I am not liable for this debt with XXXX XXXX they did not provide me with the original contract as I requested.

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 2024-07-22 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: DC

Complaint narrative:
Today I look at my credit report and I NOTICED 3 fraudulent accounts XXXX XXXX XXXXXXXX open around XX/XX/year> with XXXX, XXXX. XXXX XXXX open around XX/XX/year> XXXX owed, and XXXX XXXX  opened around XX/XX/year>. I have requested more information from each company. I have put a freeze on all of my accounts. I have filed a policy report and also a report with FTC. 
During Covid we allowed a friend of the family to come stay with us for six month, This person XXXX XXXX stole Infromation like my date of birth, ssn and had access to my phone, and within a 3 month period opened 3 fraud accounts. I was a victim of identify thief,

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 2024-07-22 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: DC

Complaint narrative:
Today I look at my credit report and I NOTICED 3 fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open around XX/XX/2021 XXXX owed, and XXXX XXXX opened around XX/XX/2021. I have requested more information from each company. I have put a freeze on all of my accounts. I have filed a policy report and also a report with FTC. 
During Covid we allowed a friend of the family to come stay with us for six month, This person XXXX XXXX stole Infromation like my date of birth, ssn and had access to my phone, and within a 3 month period opened 3 fraud accounts. I was a victim of identify thief,

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 2024-07-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my ChexSystems report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
No Proper Debt Validation : AR Resources Inc has not supplied the necessary documents to validate the debt. 

Inaccurate Reporting : AR Resources Inc reported a debt without proper validation, negatively affecting my credit score.

Proof of Signature : I requested proof of my signature on the original contract but have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
In accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXXebt bondage, which falls under trafficking as outlined in the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I respectfully request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have supplied my identification and the required documents from the list of acceptable items, as mandated by law. Additionally, I have included a victim determination letter as per XXXX ( b ) ( 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 2024-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I was set on a payment plan, I paid that and when I tried to pay after 6 mo the they started giving me a run around and started charging me fees and interest. They also call 6 times a day, everyday. I've spoke with them repeatedly and they continue calling and calling. I'm not even able to use the online portal to pay because they prompt me to call. When I call I get more run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was repossession on the following date XX/XX/2020. Since then, the account has repeatedly been updated as repossession every month. This the update in the payment history. This account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after i asked you do it twice and your neglect has violated my rights. I am demanding a deletion of the following account 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 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contact XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> sending a certified letter requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$770.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for the complete account number and the amount of the debt. As well as a detailed explanation and itemized statement of the charges and fees associated with the debt. In addition, a copy of the charge-off statement, a copy of 1099-c, and proof that the alleged debt is owed by me including any signed agreement or contracts, including any agreement that grants you authority to collect on behalf of the original creditor. 

As of today, I have not received any documentation from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
1. Midland Credit Management , Inc. is an American debt buyer- The XXXX XXXX XXXX remove this account do to being open as Fraud Midland purchased the debt- The original company removed and deleted it from all three major credit bureas- Midland is threating me to send to Attorney in which I don't care because i dont owe it 2. XXXX XXXX XXXX- Did remove this item XXXX. XXXX XXXXXXXX- Open without my consent Please know I am a victim of identity theft and Midland is trying collect from me being suc a Victim- This account was paid on without my consent and opened without my permission. 

Once I find a suspect- I will file charges- These companies can not provide you any proof of opening this account in your name but try to collect. 

I will fight in court any day to prove my innocence. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
I am a victim of debt XXXX, a form of XXXX XXXX  where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of XXXX XXXX. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from XXXX  experiences when an official claim is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-22 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-22 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agency, Chex Systems do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Chex Systems, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Chex Systems, has never informed me of my right to exercise my nondisclosure option. Chex System has not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-07-22 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: NV

Complaint narrative:
I recently checked my Equifax credit report and realized there was an account from XXXX XXXX XXXX ( XXXX ) that didn't belong to me. It's labeled under my " installment loan '' accounts for an auto loan. I called Equifax to get the account and phone number for that debt. After that I called XXXX XXXX XXXX to figure out what's going on and how this mistake could have happened. 
While on the phone with customer service at XXXX they advised that this debt belongs to an individual named " XXXX XXXX. '' My name is XXXX XXXX, so this was obviously a reporting mistake/error for an account that has nothing to do with me. 
After learning this information I checked my other two credit reports from XXXX and XXXX and confirmed that this error was not reporting to either of my other two credit bureaus. 
I've never had any auto loan with XXXX XXXX XXXX and should not have any account from them reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Mazda of XXXX XXXX, regarding an unauthorized credit inquiry and misrepresentation during a recent car purchase attempt. 

On XXXX, XXXX, XXXX I visited Mazda of XXXX, NJ, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to purchase a vehicle. After selecting a car, the next step was to finalize the financing process. During this process, I inquired whether the dealership would consider taking my used car as a trade-in. The sales representative agreed, and I informed them that I would return with the vehicle and the agreed-upon down payment in cash.

While I was at the bank to obtain the down payment, I received a call from the sales representative informing me that the car I had selected was already sold six days prior, and they had made an error. I immediately asked if my credit had been run, and the sales representative assured me that it had not. 

However, shortly after this conversation, I received a notification from my bank indicating that my credit had indeed been run without my authorization. I returned to the dealership to request a copy of my credit application. The document I received was only partially completed and did not include my signature, clearly demonstrating that my credit was checked without my final consent. 

I am deeply concerned about this breach of trust and unauthorized action, which has impacted my credit report. I request that the CFPB investigate this matter and ensure that the dealership is held accountable for their actions. 

I appreciate your attention to this issue and look forward to your prompt response.

Company response to consumer: Closed with explanation