vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Three accounts by the same company requesting a Debt Validation XX/XX/year> Amount : {$680.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$730.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$760.00} and action direct mail XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
Three accounts by the same company requesting a Debt Validation XX/XX/year> Amount : {$680.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$730.00} and action direct mail XX/XX/year> XX/XX/year> Amount : {$760.00} and action direct mail XX/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 2024-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A purchase was made using my credit card information at a Macy 's store in XXXX XXXX for {$230.00}. I received an e-mail receipt on XX/XX/year>. I have never been to XXXX XXXX nor did I make that purchase. I immediately contacted Macy 's and let them know about these charges- and that I did not make them. I submitted a fraud claim with them but they left the charges on my card. I eventually closed the account & that charge has been on my credit report since then. It has been over 5 years since then & nothing has been done about it. I did not make those charges.

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 monetary relief
Consumer complaint received 2024-10-20 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: HI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX amount {$990.00} Account name : XXXX XXXX amount {$300.00}, Account name : XXXX XXXX Amount {$250.00} has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I applied for a loan with Consumer Portfolio Services and received a loan approval. I paid the loan in full along with the down payment and the collateral was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT AND FRAUDULENT INQUIRES : DATE OPENED XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-10-19 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-10-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I repeat I repeat I have contacted Experian about these fraudulent accounts and they need to be removed immediately this is probably the third time I am doing this report and I'm a victim of the XXXX data breach and these accounts are fraudulent and I never authorized them and never open them so immediately remove them all and these hardened inquiries and items off of all my credit reports Experian needs to remove these particular accounts I have told them numerous times Experian needs to remove the following address as they never belonged to me XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Experian accounts below needs to be removed immediately XXXX XXXX XXXX {$170.00} XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX 1late payment Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX BANK Account number XXXX XXXX XXXX Account number XXXX XXXX  Unknown payment history {$6200.00} Closed XXXX Account name XXXX  BANK Account number XXXX XXXX XXXX XXXX 
2late payments {$0.00} Closed Account info Account name XXXX XXXX XXXX 
Account number XXXX XXXX BANK XXXX {$920.00} Closed XXXX XXXX  BANK {$480.00} Closed XXXX XXXX  BANK Account number XXXX XXXX BANK XXXX Account number XXXX XXXX  XXXX {$570.00} Closed XXXX  XXXX Account number XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX inquiries need to be removed XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- - XXXX needs to remove this inquiry XXXX  Inquired on XX/XX/XXXX 2024

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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
All prior credit card statements were sent to me. I asked for these documents to show proof that I was illegally charged on my account by Victoria Secret/Comenity Bank for a service that I never agreed to. They have no signature physical or electronic for that service and I have asked them to supply me a copy of the signature that says I signed up for it and they can't because I never did. I paid this credit card off in full. A month later Victoria Secret/Comenity Bank called me trying to sell me a service called XXXX XXXX. I declined these services. Victoria Secret/Comenity Bank then charged my account anyways for a {$0.00} charge labeled XXXX XXXX per the credit card statement. Because of this {$0.00} charge it triggered a minimum interest charge of {$2.00} causing my account to have a balance of {$2.00} after I paid it all off which racked up late fees over time. I tried to tell Comenity Bank, Victoria Secret, and now XXXX XXXX XXXX that this is because of illegal charges on my account. You can not charge someone for credit card insurance that they never agreed to. Noone will listen to me or help me even though they provided me the statement with the proof that clearly says this charge was not for any previous interest, previous purchase, or interest from current billing cycles..Meaning this is not leftover interest from the previous billing cycle which is what they tried to tell me until I showed them the proof. The account was paid off on XX/XX/year>. The illegal charge for the {$0.00} XXXX XXXX insurance was put on my account on XX/XX/year>. Again, I have asked for XXXX and Comenity to supply me with an electronic or physical signature that says I signed up for this to cause this charge and they can't. I paid it off with no intention of ever using it again so there is no reason I would need account insurance. They have to supply proof of this and they can't because I never agreed. Victoria Secret, Comenity, and XXXX should all be held legally liable for the damage they have done and for seeing the proof of what I'm saying is true and pretending they don't. A woman at XXXX even agreed with me that this was illegal then I never heard from her again. They keep trying to come after me for payment anyways. This is all highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has inaccurate reportings on my consumer report that has impacted me severely from onbtaining new credit and up to new empoyment

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 2024-10-19 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: TX

Complaint narrative:
XXXX XXXX XXXX has inaccurate reportings on my consumer report that has impacted me severely from onbtaining new credit and up to new empoyment

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 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have submitted a complaint about this company reporting false data on my credit report. They have not gave me any copies of legal agreement or contract between me and the debt agency not even a sign documents. How it has been 60 days and they still reporting fraudulent information. They have not sent the legal documentation to the CFPB.

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 2024-10-20 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: MD

Complaint narrative:
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 HAS VIOLATED MY RIGHTS. 
I LOOKED AT MY EXPERIAN CREDIT REPORT ON XX/XX/year> AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681 ( E ) ( B ).

AND ACCORDING TO 15 USC 1681S TH
EY ARE SUPPOSE TO DO THIS ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( I ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION ; AND ( II ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE ITEM HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER.

AND ACCORDING TO 15 USC 1681C-2 THEY ARE SUPPOSE TO 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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
hello-they are constantly calling me and harrassing me they text me and leave messages everyday. even on Sundays. i have received calls at my work from them on XX/XX/year> at XXXX and when i told them to not call me at work the lady i spoke with was very rude and inappropriate on how i owed money and i need to pay my bills very rude! And someone called and the same day XX/XX/year> at XXXX from the same company and was very rude to my coworker stating that they needed to talk to me right now and my coworker was telling them that i was busy with someone and she was trying to take a messeage but he was so rude to her saying he needed to speak to me now and he did not want to be put on hold. my coworker explained that when i was available that i would be with him and still was very rude to her. the copy is called comenity bank their number is XXXX they keep threating me over text messages everyday. they are stating i owe {$1700.00} and they keep reporting to my credit report and it's causeing hardship to everything in my life. i have resently gone through tramatic health conditions that i feel like this harressment has added to the stress of my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by LVNV FUNDING LLC for alleged debts in the amounts of {$3800.00} & {$1100.00}. As of XX/XX/XXXX, LVNV FUNDING LLC has been notified at the address specified in Exhibit ( XXXX  ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. LVNV FUNDING LLC never notified me prior to furnishing the alleged debts or ANY correspondence/communication in regards to the alleged debts. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) LVNV FUNDING LLC must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until LVNV FUNDING LLC sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and LVNV FUNDING LLC has strict liability and must comply with all statutes and regulations set forth. LVNV FUNDING LLC has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, LVNV FUNDING LLC shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim

Company response to consumer: Closed with non-monetary relief