vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SS # XXXX XXXX XX/XX/year> RE : Trafficking Block Request Dear Sir or Madam : I am a victim of Trafficking. The information listed below, which appears on my credit report is the result of that trafficking... 
XXXX. XXXX XXXX # XXXX Date Opened XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter Sincerely, 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 2024-12-22 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: CA

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. XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I called bread financial about my XXXX rewards card account because I thought I had paid the entire balance in full last month ( XXXX ) I noticed when I logged on today that there was still a balance and it was 4 days late because I turned off autopay thinking I had no balance due. I immediately paid the remaining balance and called and asked if they would be charging a late fee and explained the issue to them and asked if it could be reversed since I have perfect payment history on the account. The guy put me on hold for XXXX minutes. He came back on and started going over old account history that had nothing to do with my question. He then asked if Id like to make a payment. I told him that I already told him I made a payment, at the very beginning of the call and XXXX asking about if there will be a late fee. I also told him I have to go and dont have alot of time left because I was on hold for so long. I asked him if hes going to take a while again. He said yeah it could be a while. Then I told him well you didnt even address what I was originally asking about so XXXX not sure why i have to keep waiting XXXX minutes every time. He had a strong accent and when I told him theres a language barrier he became rude and put me back into a phone queue that wasnt registering my responses so I had to call back and start all over again. Very unprofessional. Very entitled and out of control representative. The representative I spoke to after him gave me his name. His name was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I started getting random emails in my account about a XXXX credit card after i fell victim to a XXXX  job scam in which i had accidentally given my ssn number and picture of my id and i called them when it started showing up on the report since the debt was fraudulent and unauthorized and not mine and i disputed it with XXXX  multiple times and they kept denying it and harrassing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 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: CA

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This company XXXX Midland Credit Management XXXX has been calling me repeatedly, every single day, several times a day, from all different phone numbers. They call me early in the morning, all day long, to late at night. They call me all weekend long and on sundays. They are harassing me to pay this bill I owe. 
About XXXX months ago I took a call from XXXX of the representatives and I told him that at XXXX time I had a career and I made good money. But that I had gotten really really sick. I used XXXX, I got fired from my employer, that I was on XXXX and prednisone and that I couldnt work anymore. I told him this and that I would pay the XXXX XXXX dollars as soon as possible but I cant pay it right now. 
He said he was making a note of my situation but he had no obligation to stop the calls and that I would continue to be harassed daily until I paid. The calls have gotten worse. XXXX going to attach a screenshot of all the calls circled in red. They leave voicemails and my voicemail fills up. Ive been waiting on XXXX medical referrals to go through and doctors offices to call me and every time I pick up the phone its mcm calling from a different number. They call from random cities around Oklahoma and they call from XXXX numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I just checked my credit report and found the debt. The debt is for {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
Fraud and data sharing in credit reporting are governed by laws like the Fair Credit Reporting Act ( FCRA ), ensuring accuracy and consumer protection. Issues include identity theft, synthetic fraud, and data breaches like XXXX ( 2017 ). Consumers should monitor reports, while companies must secure data and comply with privacy regulations to prevent misuse.

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 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> I filed a dispute with all three credit reporting agencies to remove certain collections because I was a victim in the XXXX Data Breach. They have not provided me with information from these collection agencies on how the debt was validated. These collections were removed from XXXX already.

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 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Salander Enterprises, LLC
State: WI

Complaint narrative:
My name is XXXX XXXX, and when I was applying for a loan, I was told that I already had a loan that was in debt. So I checked the court records and noticed that XXXX XXXX took a loan out for {$2100.00} in my marriedname, XXXX XXXX, which changed in XXXX and this loan was taken out XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-22 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I Had The Vehicle Taken From Me In XX/XX/XXXX. I? Got Two Vehicle 's From Ford. One Was In XXXX. That Had Problems With The Wheels. And The XXXX! Had A Problem With The Brakes To Release The Car From Parking. And I? Made Payments Up To XXXX. Of This Year. I? Wanted To Refinance It! But! Ford! Didn't Want To Hear About It! For The Passed! Five Years! And XX/XX/XXXX! They Have Taken Money From My Bank Account. Without My Permission. And? They? Double Dipped Into My Account. I? Want All Of The Money They Took From My Bank Account. Back Into My Bank Account. Every XXXX That They Took.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company XXXX XXXX is reporting a hard inquiry on my credit report without my knowledge or consent. I did no business with this company they should not have my personal information. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

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 2024-12-22 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: IN

Complaint narrative:
The charge off on my account needs to be removed immediately because it VIOLATES MY CONSUMER RIGHTS this information is inaccurate and incorrect XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX reported it was closed XX/XX/XXXX TRANSUNION reported it was closed XX/XX/XXXX This charge off needs to be removed immediately

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 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My XXXX card was used at a XX/XX/XXXX atm at XXXX this morning on XX/XX/XXXX it was not me card was used at an atm without the physical card. I now have my card in hand dont know how someone could take XXXX $ off my card without my physical card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank, Wells Fargo, got an alert from another bank claiming a wire transfer from their client to my bank was fraud. 
I have a signed document showing that that person authorized the wire transfer. 
My bank, Wells Fargo, froze all of my accounts and was supposed to close my account on XX/XX/XXXX Then they delayed it XX/XX/XXXX Then they delayed again to XX/XX/XXXX I have been stuck with no money from XX/XX/XXXX Even though I have paperwork showing this was not fraud.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: NV

Complaint narrative:
All 3 credit bureaus received inaccurate information about the history of this XXXX XXXX XXXX collector account. XXXX XXXX is not the original creditor. The account was opened in XXXX and closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VI

Complaint narrative:
XXXX no longer services student loans. Those loans are now serviced by XXXX. XXXX reported a past due balance of {$1900.00} in XXXX right before it turned over servicing to XXXX. My account was current in XXXX. I provided proof to the credit reporting agencies and told them that XXXX no longer services the account. The credit reporting agencies claim in their investigations that the information is accurate, and my account is still past due. Not only is the information no accurate. I am current with XXXX and they did not even note that change.I can not can not contact XXXX dirrectly. They redirect me to XXXX. I have attached only the XXXX Investigation report. But all three agencies misreported the case. They all need to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
XXXX no longer services student loans. Those loans are now serviced by XXXX. XXXX reported a past due balance of {$1900.00} in XXXX right before it turned over servicing to XXXX. My account was current in XXXX. I provided proof to the credit reporting agencies and told them that XXXX no longer services the account. The credit reporting agencies claim in their investigations that the information is accurate, and my account is still past due. Not only is the information no accurate. I am current with XXXX and they did not even note that change.I can not can not contact XXXX dirrectly. They redirect me to XXXX. I have attached only the XXXX Investigation report. But all three agencies misreported the case. They all need to be corrected.

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 2024-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc.
State: TX

Complaint narrative:
In XX/XX/year>, XXXX was managing my account. They had the wrong debt amount and informed me they would submit a dispute to confirm the correct balance. However, I never received a follow-up regarding this dispute or any resolution. In XX/XX/year>, my account was updated as a charge-off on my credit report, even though the dispute remained unresolved. In XX/XX/year>, XXXX sent me an email stating that the account was being returned to Sezzle. However, when I logged into my account after this point, it still reflected that XXXX was managing it, creating further confusion. 

This lack of clarity and mismanagement directly impacted my ability to resolve the account in a timely manner. While I acknowledge the debt, I believe Sezzle has a responsibility to address the harm caused by these communication failures. I am requesting that Sezzle investigate the handling of my account, remove the charge-off status from my credit report as a goodwill adjustment. 

I have made multiple attempts to resolve this matter with the company through phone and email. While I am willing to pay the debt in full, I want assurance that the negative mark will be removed from my credit report upon payment. The company reported the account as a charge-off during an unresolved dispute process, and at the time, the account was no longer being handled by them. This mismanagement, coupled with their lack of clear communication and accountability, has unfairly damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
the accounts listed below are done with fraud .I never open these accounts. I have filed a police report and attempted froze my reports. 

XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX ACCOUNT XXXX AMOUNT 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 non-monetary relief
Consumer complaint received 2024-12-23 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: CL Holdings LLC
State: FL

Complaint narrative:
the accounts listed below are done with fraud .I never open these accounts. I have filed a police report and attempted froze my reports. 

XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX  XXXX ACCOUNT XXXX AMOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX in regards to all violations of my rights : PRIVACY ACT OF XXXX 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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 2024-12-22 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:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX in regards to all violations of my rights : PRIVACY ACT OF XXXX  15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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