vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CORELOGIC INC
State: VA

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge.

I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge.

I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently checked my credit report and saw there has been a collections added to my consumer report that I do not recognize and has had a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I just checked again my TransUnion, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below

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 2024-04-29 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 just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below

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 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I had an account with Dell XXXX that I opened up sometime in XXXX. Never had an issue and my payments was always on time. Comenity bank took over all Dell XXXX accounts back in XX/XX/2023. This bank never sent out letters nor did Dell XXXX about Comenity bank taking over all Dell accounts. I started to get phone calls towards the end of XXXX from Comenity bank about delinquent payments on my account on which I was puzzled because I've never had an account with Comenity bank. So, I asked why I was not informed of the switch ( from Dell to Comenity ) and the agent for Comenity bank said that I wasn't the only person to have this issue. I shrugged it off and made my payment and ask the Comenity bank employee about the late fees and if I was able to set up automatic payments through him and he said yes but its only good for 3 months that I would have to go online and set up my account and I would be able to do it online. After setting up the automatic payments with the Comenity bank employee, I started to get phone calls at the beginning of XXXX saying that I have a past due balance. I talked to the supervisor wondering why I had an overdue balance since I set up automatic payments around the last week of XXXX. The supervisor told me that the employee only set the payments to take out 60 ( which was not enough for the monthly payments ) instead of the minimum payment per month for three months. I've lost about 100 points on my credit through XXXX ever since they took over Dell XXXX accounts. I would like to think I've done my fair share on trying to make right with this bank back in XXXX with the account I have but at the end, all they've done is harass called me on blocked robot callers until I told them to stop. This bank is the definition of Malpractice when it comes to dealing with their employees. After reading stories about this bank from other people that have posted online and to me all it seems like is that this is common practice with this bank. Late fees and damaging your credit seem like a practice at Comenity bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 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: AL

Complaint narrative:
An identity theft Dispute Letter was mailed for inquiries showing on my consumer report. the company did not remove them. I mailed dispute letters for these inquiries directly to the companies using the addresses reported by the consumer reporting agencies, and my mail came back as non-deliverable. The company is reporting inaccurate and erroneous info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
I have had a Crypto.com account for years now and recently changed my phone number. Since I no longer have access to the phone number associated with my crypto.com account I am not able to login to the account and manage it. I have attempted to update my phone number numerous times and have had numerous conversations via chat with Crypto.com representatives which has so far been a complete waste of time. I was asked to submit identity verification and did so successfully however the simple request to change my phone number has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to provide an update and reiterate my concerns regarding the ongoing issues with fraudulent chargebacks initiated by XXXX XXXX, connected to Bank of America. I appreciate the bank 's decision to reverse XXXX of these chargebacks dated XX/XX/2024. However, I must emphasize that all the chargebacks in question are linked to the same individual and appear to be a coordinated attempt to circumvent the system by spreading out fraudulent claims over time. 

As previously stated, the disputes, involving amounts totaling which reflects the {$990.00} reverse payment is {$7900.00}, pertain to various services rendered and were contested by the client using differing reasons, suggesting a strategic approach to defraud. 

I have attached the contact number for Bank of America, XXXX, extension XXXX, as listed in their correspondence. Unfortunately, this number only reaches a voicemail, and despite multiple attempts calling and requesting a specific time to speak, I have not received a confirmation or been able to connect with a live person from the bank. I have tried contacting the bank directly on several occasions but have not yet achieved a successful resolution. 
Im reinitiating the complaint for Bank of America to review the linked nature of these chargebacks and consider the evidence provided as indicative of a deliberate attempt to defraud and reverse the remaining balance of {$7900.00}. A thorough investigation into these matters will not only address my immediate concerns but also uphold the standards of fairness and diligence that your institution is known for Thank you for addressing this matter urgently.

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 2024-04-29 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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: LEXISNEXIS
State: GA

Complaint narrative:
15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX  and before XXXX XXXX XXXX local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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:
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681. 

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX  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 2024-04-29 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Letter sent XX/XX/2023 for no permissible purpose for the below. 

TDAF XX/XX/2023 XXXX TD AUTO FINANCE XX/XX/2023 Experian TD AUTO FIN XX/XX/2023 XXXX TD AUTO FIN XX/XX/2023 XXXX This company reported info about me to a non affiliated third party without my permission, nor did they give me the option to OPT OUT from consumer reporting prior to the information being reported Under 15 USC 6802 " Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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