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

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX {$5500.00} Midland Credit Management Inc threatening to sue me XXXX  {$1000.00} Midland Credit Management Inc threatening to sue me

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

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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks XXXX XXXX

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

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I'm a senior ( XXXX years old ) and on my social security fixed monthly income of {$1700.00}. In XX/XX/XXXX I trying to find ways to invest my saving to generate additional passive income and fell victim of the scam crypto contract trading platform in the XXXX and as result I lost over {$100000.00} i.e. {$20000.00} from my saving account and {$80000.00} from personal loan and credit cards debts. My crypto account with the profits amounted to over usdt XXXX but was unable to withdraw despite I've wired the below usd XXXX as requested by the fraudster in order to wire my $ XXXX to my bank account. I've filed three FBI IC3 ( an online FBI complaint Referral Forms ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. 
I therefore urgently request CFPB to recliam from the Bank of America 's account of the fraudster that I've previuosly wired usd {$10000.00} on XX/XX/XXXX as detailed in the following section / attached information below i.e. the wire transfer details / form. Kindly expedite to freeze the XXXX bank account XXXX Bank of America ) of the fraudster and claim my wired fund back to my originating XXXX checking account as I've filed with XXXX Bank since XX/XX/XXXX return but XXXX claimed that they're unable to assist due to wire scam instead of fraud. The detail of the receiving bank and benefiary as below : XXXX XXXX XXXX Company Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Bank Information : bank of america Account number : XXXX XXXX Routing Number : XXXX XXXX Bank address : XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX 
Thank you for your prompt actions! 
Sincerely, 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 2024-12-12 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: NY

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

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

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 2024-12-12 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 writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Yes, I'm dealing with a false information from this bank. " Bread Financial. '' I reported fraud and they keep saying that's it's being rejected after their investigation because they said they were no supporting documents? Honestly, they never contacted me about any documents and what documents do i need? Am I supposed to know what to do? Can anyone who is reading this help me out? I'm heavily rely on the Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
I am writing to formally dispute the inaccurate and unlawful reporting of a repossession account on my credit report, which I recently obtained from your agency. The account in question is listed under XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I identified several violations of federal laws under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, 15 USC 6802, and 15 USC 6803. These laws mandate the protection of my personal financial information and outline strict guidelines for how such information is to be handled and shared. The violations are as follows : 1. 15 USC 6801 : Protection of Nonpublic Personal Information. This section requires financial institutions to establish appropriate standards for safeguarding the confidentiality and security of nonpublic personal information. By inaccurately reporting this repossession, XXXX and Experian has failed to ensure the protection of my personal financial data. 

2. 15 USC 6802 : Obligations with Respect to Disclosures of Personal Information.This section mandates that financial institutions provide clear and conspicuous disclosures to consumers about their policies and practices regarding the sharing of personal information. There was no proper disclosure or authorization from me for this inaccurate and damaging information to be shared on my credit report.

3. 15 USC 6803 : Disclosure of Institutions Privacy Policy. This section requires financial institutions to disclose their privacy policies and practices to consumers. The reporting of this repossession without proper adherence to privacy practices and without my authorization is a clear violation of this statue. Due to these significant breaches, I demand that XXXX and Experian immediately delete this repossession from my credit report.The continued presence of this inaccurate and unlawfully reported information is causing substantial harm to my credit score, financial reputation, and overall well being. If this matter is not resolved promptly, I will have no choice but to pursue legal action for damages resulting from these violations could result in significant penalties for XXXX, and experian including but not limited to : Statutory damages prescribed by the Gramm-Leach Bliley Act, Actual damages incurred due to loss of credit opportunities and increased interest rates, Costs and attorney fees associated with legal action, Please treat this matter with the utmost urgency and provide a written confirmation of the deletion of this account from my credit report within 30 days.

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 2024-12-12 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:
I request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
Lies told and Criminal Activities by XXXX  on XXXX, XXXX, XXXX that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won XXXX XXXX XXXX  for students that attended XXXX XXXX during certain years . At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX  XXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated College with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX  has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for XXXX  ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX  left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX  and XXXX  sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? Navient continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX XXXX XXXX XXXX XXXXXXXX

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my 2nd attempt to clean up my credit profiles. I recently seen my credit profile and saw so many names and addresses that are not mine. I only have one name and one address. I will attach documents to assure you only one name is mine, also only one address is mine and that I dont have any access to any other address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: GA

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: GA

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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-12 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:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-12-12 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:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/year> {$5500.00} XXXX XXXX XXXX XXXX threatening to sue me XX/XX/year> {$1000.00} XXXX XXXX XXXX XXXX threatening to sue me

Company response to consumer: Closed with explanation