vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
My name is XXXX XXXX there is no XXXX  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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: LA

Complaint narrative:
I XXXX XXXX, am writing this letter because of a debt that was placed on my credit profile by National Recovery Agency XXXX I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has XXXX  days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 
Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.

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 2024-10-01 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX  XXXX XXXX Balance Owed : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data. XXXX OF XXXX XXXX Balance Owed : {$22000.00} XXXX OF XXXX XXXX Balance Owed : {$3600.00} XXXX CARD XXXX Balance Owed : {$6000.00} XXXX CARD XXXX Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2024-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data. XXXX OF XXXX XXXX Balance Owed : {$22000.00} XXXX OF XXXX XXXX Balance Owed : {$3600.00} XXXX CARD XXXX Balance Owed : {$6000.00} XXXX CARD XXXX Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CT

Complaint narrative:
i reached out to all XXXX bureaus on XX/XX/year> about inaccuracies and fraudulent information on my credit report that needed to be deleted immediately. it has been XXXX  days!!!!!! i am going to the police to see what i can do about the XXXX  and the bureaus not taking the proper action in the amount of time. this is ridiculous. im going to contact national news and make this a headline mark my words. XXXX  days and counting is illegal. do not be surprised when i get a lawyer involved.

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 2024-10-01 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: EQUIFAX, INC.
State: CT

Complaint narrative:
i reached out to all XXXX bureaus on XX/XX/2024 about inaccuracies and fraudulent information on my credit report that needed to be deleted immediately. it has been XXXX  days!!!!!! i am going to the police to see what i can do about the cfpb and the bureaus not taking the proper action in the amount of time. this is ridiculous. im going to contact national news and make this a headline mark my words. XXXX  days and counting is illegal. do not be surprised when i get a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX  XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX 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.

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 2024-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally report that I am a victim of identity theft related to an account or debt collection activity with Midland Credit Management. I have not authorized any accounts or incurred any debts with Midland Credit Management or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XXXX XXXX I reached out to XXXX after filing a XXXX dispute and sending verification of identity to have misleading information removed from my profile. I also requested that my telephone number be updated because that is the only way to access your XXXX credit report online. The representive gave me the incorrect telephone number on my account beginning in XXXX and then refused to remove it upon providing proof of my correct telephone number which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XXXX XXXX I reached out to XXXX after filing a XXXX dispute and sending verification of identity to have misleading information removed from my profile. I also requested that my telephone number be updated because that is the only way to access your XXXX credit report online. The representive gave me the incorrect telephone number on my account beginning in XXXX and then refused to remove it upon providing proof of my correct telephone number which is 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 2024-10-01 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: NY

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-10-01 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: VA

Complaint narrative:
Complaint # : XXXX was closed without me ever being notified by email or otherwise by XXXX or the CFPB at any point in XXXX. To my knowledge, as of today XX/XX/XXXX - this information is still contained on my background report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management account number XXXX amount XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Under 15 USC 1692C Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Please remove off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: SC

Complaint narrative:
Under 15 USC 1681 ( e ) ( b ) and the Fair Credit Reporting Act Transunion and XXXX after many attempts to dispute this reporting has refused to remove and delete the US Bankruptcy reporting on my credit report. I have already had it removed and deleted from the XXXX credit bureau, but Transunion and XXXX will not delete it after numerous disputes. I have attached my XXXX dispute to display as evidence that XXXX removed and deleted the Bankruptcy item so Transunion and XXXX should delete the item too. 

Dispute dates : TRANSUNION Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am not a U.S. Bank customer nor ever opened an account with the bank nor desire to ever do so. 

U.S. Bank added my phone number to another customers existing account. This is a huge security and privacy issue for both ways. 

I have gotten text messages on my phone number from U.S. Bank ( XXXX ) about that customers transaction ( s ). 

I contacted U.S. Bank and they kept trying to solicit my personal information ( SSN ) despite me not desiring an account nor a relationship with the bank. This information would be completely useless since I do not have an account with U.S. Bank in the first place. 

I am not sure if my phone number has been removed from their account. Having my phone number even linked like this to someone elses identity is very problematic, considering that my phone number was linked to their account without any code verification ( OTP ) nor my consent. I wonder how many other security issues occur at this bank. 

I want a clear-cut resolution which is the complete removal of my phone number from all U.S. Bank account ( s ). I am willing to sue for maximum damages and launching large investigations into this banking institution if this is not resolved.

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 2024-10-01 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: FL

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Comenity Capital Bank regarding my XXXX XXXX  Rewards Credit Card account ( account ending in XXXX ). 

I received a letter from Comenity Capital Bank stating that they had closed my account after an investigation into a fraud claim I filed. They concluded that there was no basis to support my claim, and as a result, the account was permanently closed. Despite this, Comenity is now holding me responsible for a balance of {$290.00}, which I strongly dispute. 

I believe the closure of my account was unjustified, and I should not be held accountable for any balance, as I had reported the account under the assumption that fraudulent activity had occurred. Comenity failed to provide sufficient reasoning for closing my account and has placed an unfair financial burden on me by requiring that I pay a balance that I should not owe. 

I am seeking the CFPBs assistance to : 1. Investigate the practices and handling of this issue by Comenity Capital Bank.

2. Ensure that I am not held responsible for this unjustified balance.

3. Request that any negative impact on my credit report resulting from this balance and account closure be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MD

Complaint narrative:
I discovered that several accounts, including those from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX, were inaccurately reported as charge-offs on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting of my credit information. These charge-offs negatively impacted my credit scores ( XXXX : XXXX, XXXX : XXXX, Equifax : XXXX ), and I believe they were reported incorrectly due to errors in balance updates, payment statuses, or dates of last activity. 

I disputed these accounts with the credit bureaus, I am requesting proper verification and validation of the debt. However, despite my dispute and the legal requirement for the bureaus to thoroughly investigate and respond within 30 days under FCRA, the inaccurate charge-offs were not corrected. These companies have either not provided sufficient documentation to validate the debts or failed to update the information accurately after resolution. 

Per FCRA Section 1681s-2, which outlines the responsibilities of furnishers of information, these companies are required to correct and update inaccurate information. The failure to resolve this after my dispute violates my rights, and I am requesting that these charge-offs be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief