vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im certain that I always pay on time, yet I see late payments reported for some months. Under USC 1666b, any billing error must be corrected, showing the payment as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
I received a communication from XXXX/Comenity/Victoria regarding an alleged debt associated with an account. After receiving the initial communication, I attempted to resolve the matter by sending dispute letters, contacting customer service, and requesting verification of the debt. Additionally, I sent a formal cease and desist letter requesting that all communication cease until proper verification of the debt was provided. 

Despite my request, I continued to receive ongoing communications, including phone calls and letters, which have caused me considerable distress. I am seeking resolution regarding this issue and expect acknowledgment of my cease and desist request, as well as verification of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
I am writing to formally dispute the inaccurate late payments currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported by credit bureaus is fair and accurate. The late payments in question are erroneous and do not reflect the true status of my account ( s ). 

**FCRA Violations** Under the FCRA, Section 1681, credit bureaus are required to report only accurate and complete information. Furthermore, according to Section 1666b, consumers have the right to dispute any inaccuracies on their credit reports and expect a timely investigation and resolution of such disputes. 

The incorrect reporting of late payments is having a significant negative impact on my credit score, which in turn is affecting my ability to secure credit, housing, and employment opportunities. This is not only unfair but also a violation of my rights as a consumer under the FCRA. 

**Legal Implications** Should this matter not be resolved promptly, I will have no choice but to seek legal representation. Please be advised that if this issue escalates to a legal dispute, the credit bureau will be liable for all associated costs, including but not limited to : 1. Attorney Fees : Estimated at $ XXXX {$500.00} per hour, with a total cost potentially exceeding {$5000.00} depending on the complexity and duration of the case. 
2. **Court Costs** : Filing fees and other court-related expenses, estimated at {$500.00} to {$1500.00}.

3. **Damages** : Under the FCRA, you may be liable for actual damages suffered by me as a result of your failure to comply with the law, including any emotional distress caused by the erroneous reporting. Statutory damages may also apply, with potential awards ranging from {$1000.00} to {$10000.00}, depending on the severity of the violation. 

In light of these potential legal costs, I strongly urge you to take immediate action to remove the inaccurate late payments from my credit report. Please provide me with written confirmation that these items have been removed, or provide me with documentation supporting their accuracy within 30 days of receipt of this letter. 

Failure to address this issue in a timely and satisfactory manner will result in the initiation of legal action to enforce my rights under the FCRA. 

I trust that this matter will be resolved quickly and amicably, and I look forward to your prompt attention to this serious issue. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX This letter is a formal way to assert your rights and encourage the credit bureau to correct the inaccuracies without escalating the matter to a legal dispute. Make sure to send the letter via certified mail with a return receipt to ensure that you have proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Follow-up to CFPB Complaint [ Complaint Number ] Against XXXX Dear CFPB, I am writing to provide an update and request further action on the complaint I filed against Experian on XX/XX/year>, under Complaint Number XXXX Despite filing disputes and providing all necessary documentation, Experian has failed to correct inaccurate late payments on my credit report. Their investigation, completed on XX/XX/year>, did not resolve the issue, and they have failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations Violation of 15 USC 1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The creditor has failed to accurately report the late payments. 
Violation of 15 USC 1681i ( a ) ( 1 ) & ( 6 ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) : Experian did not conduct a proper investigation or provide sufficient results. 
Violation of 15 USC 1681i ( a ) ( 5 ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) : Experian failed to correct or delete inaccurate information after being notified of its inaccuracy. 
Given the ongoing violations and Experian 's failure to comply with FCRA, I request that the CFPB take further action to ensure Experian corrects the inaccuracies on my credit report. I have enclosed all relevant documentation, including Experian s latest response.

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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For 10 years Ive banked with Chase and been a private client for most of them without a problem. I have been a victim of fraud and identity theft many times and have had cards reissued to me. On XX/XX/year> my credit card account was closed without my knowledge. I went into a branch and asked what was going on and spoke to someone in the phone from the Fraud dept and was told that my account was closed because I was a risk. I had conjured up XXXX points and was given no option but to withdraw them as cash or lose them. XXXX only Much less than the XXXX it would have been worth to travel with. I was also told in the bank that I was pre approved for another card so I applied and got it on the spot. My balance was {$0.00} on the account that was closed and a refund of monies owing were issued to me as a check. Days later I received my new credit card and almost the same day it too was closed. Nothing was made on it nor was it used. I called and o find out what was going on and was told that my credit card relationship had ended. So I was unable to ever get a card with them again. Furious I went into the branch and withdrew all my funds from checking and savings account and I closed off all my accounts and ended my relationship with Chase. A few weeks later I recieved calls that I owed money in my credit card. I said thats impossible as I closed off all accounts and the crust card account was already closed by the bank. With a XXXX balance. They tried and harassed me over and over. Calling daily to say I had to pay it off. No one had helped me and no one had anything else to say. Now Im in 90 days overdue. My credit score Has gone from XXXX to XXXX and keeps dropping and I dont know what to do. It is impossible that An account that was closed be reopened under my name without my Knowledge. And that I owe money when being told I didnt and had no way of ever having a fair card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-09-19 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: NC

Complaint narrative:
Im accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 usc 1681 section 602 a states I have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 know 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 explanation
Consumer complaint received 2024-09-19 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: NC

Complaint narrative:
Im accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 usc 1681 section 602 a states I have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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 2024-09-19 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: NY

Complaint narrative:
I am a victim of identity theft, My Name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have no association with any other address that may be listed on my Experian, XXXX or XXXX credit bureau.

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 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am making a formal dispute about these debt that appeared on my credit file. The collections company name is XXXX XXXX XXXX and I have never had any dealing with this company, nor have I had an Lease with any of their affiliates. 

I was informed today that this debt that does not belong to me and has appeared on my credit. I believe this debt is a result of identity theft and does not belong to me. I have never opened an account with the companynor have I ever lived at the lease that is appearing on my credit from this collection debt collector.

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 2024-09-19 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:
I did not give XXXX XXXX XXXX any consent, any permissible purpose, nor did I give them any permission to share my information with a 3rdparty company such CRA 's. I have a right to privacy pursuant 15 USC 1681, 1692, and 6801. My private information such as my personal loan and banking information should remain private and not shared with a non affiliated 3rd party company that has no affiliation with Guardian Credit Union. This company shared and reported my private information without my consent which by law falls is aggerated ID theft. I did not get consent or permission for this company to share my non public personal information nor furnish anything on my consumer report. This company has an obligation to protect the consumers privacy and non public personal information. 15 USC 6802 states this company is not obligated to disclose any non public information to a 3rd party non affiliated company unless they provide the consumer with a notice that complies with sec 6803.

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 2024-09-19 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: TX

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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report 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 ) states : 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 2024-09-19 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:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mesa Auto Finance, LLC
State: AZ

Complaint narrative:
I co sign on a loan for a friend to get a vehicle and they did not make the payments and got repo leaving me with the bill i contacted them to get info on it did not hear back i gave them the info on who they really needed to go after and still have not heard back

Company response to consumer: Closed with explanation