vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing in response to your recent communication, which I received regarding the alleged debt associated with the account under my name, referenced in your letter. I appreciate your prompt attention to this matter, and I would like to bring to your attention some concerns regarding the validation process and the handling of my personal information. 

Firstly, I must express my dissatisfaction with the validation process as outlined in your letter. While I acknowledge the explanation provided regarding the charge-off and subsequent sale of the debt, I find it troubling that my personal information was sold and transferred to multiple entities without my explicit written consent. I believe that such actions infringe upon my privacy rights and raise concerns about the security and responsible handling of personal data. 

Additionally, I dispute the claim that no correspondence was received directly from me prior to the complaint filed through the Consumer Financial Protection Bureau ( CFPB ). I have not been provided with an opportunity to validate or dispute the alleged debt directly with your agency. The notifications of dispute initiated through credit reporting agencies do not constitute direct communication with me, the consumer. I request that you provide evidence of any correspondence sent to me regarding this matter before the dispute filed through the CFPB. 

Furthermore, I assert my right to have clear information about the terms and conditions of any original contract associated with this debt. The sale of the debt does not absolve your agency of the responsibility to provide verification of the debt upon my request, including the original contract, complete payment history, and a full set of billing statements. I am aware of the requirements under the Federal Debt Collection Practices Act ( FDCPA ), and I believe that these documents are necessary for a thorough validation process. 

In light of the above concerns, I am formally disputing the validity of the alleged debt and request that you cease all collection activities until a proper validation, including the requested documentation, is provided. Additionally, I seek clarification and written confirmation that my personal information will not be further sold, transferred, or furnished without my explicit written consent. 

I appreciate your prompt attention to these matters and look forward to a swift resolution. Please consider this letter as a formal request for validation of the debt and a cease and desist of all collection activities until proper verification is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Improper use of credit report 15 usc 1681a - Definitions : Rules of construction : 15 usc 1681- Section 602A : I have the right to privacy 15 usc 6802b : Opt out never told me to opt out or give me the opportunity to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that XXXX has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that XXXX admitted I was affected by the data breach which has resulted in these fraudulent accounts.

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 2023-11-20 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: OK

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that XXXX has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that XXXX admitted I was affected by the data breach which has resulted in these fraudulent accounts.

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 2023-11-20 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:
On XXXX and XXXX I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the Transunion, XXXX and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. 
XXXX. XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX # XXXX ( XXXX ) XXXX. XXXX  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( reinserted on credit file XXXX, was not notifed within the 5days ) XXXX. XXXX XXXX # XXXX ( XXXX  XXXX ) I have attached the letter that was sent to each bureau as well the certified receipts

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 2023-11-20 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: CarMax, Inc.
State: FL

Complaint narrative:
I am trying to purchase a home and was advised of damages on credit report detrimental to my character. According to the 15usc1681 please remove all fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally demand the immediate deletion of the derogatory item associated with my account, referenced above. The reported details are as follows : XXXX Reported Balance : {$2900.00} Last Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX Remarks : Collection Account Dispute Status : Resolved ; consumer disagrees, account closed by consumer I am deeply concerned about the accuracy and legality of the reporting of this account, specifically : Furnishing of Personal Information : I maintain that my personal information has been reported without my explicit written permission or instructions. I have not provided consent for the disclosure of this information and demand immediate deletion of this PRIVATE PERSONAL information Account Validity : I dispute the validity of the reported account as a collection account. The remarks indicate that the dispute has been resolved, but I disagree with the reported information. I request an immediate and thorough review of the account 's history and supporting documentation to verify its accuracy. 

Cease and Desist Reporting : Given the disputed nature of this account and the concerns raised about the furnishing of my personal information, I demand the immediate cessation of reporting this item to all credit reporting agencies. I expect that the derogatory item is removed from my credit report promptly. 

In accordance with consumer protection laws, I assert my right to accurate and verifiable information on my credit report. I kindly demand that you take the following actions : Delete the derogatory item associated with this account from my credit report immediately. 
Confirm in writing that the reporting to all credit reporting agencies has ceased. 
Provide a detailed response outlining the steps taken to remedy this situation and prevent further unauthorized disclosures. 
I request a written response within 30 days of receiving this letter, confirming the actions taken to address my demands. Failure to comply with this request will prompt further action, including filing complaints with regulatory authorities and seeking {$1000.00} per violation. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution.

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 2023-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
I have been receiving calls from Zenith debt colector saying that I owe money from a loan from check and go. I have never got a loan from that company. Also I requested the debt collector to give me more information on that claim. I asked them to tell me when that loan happenned and they wouldn't give me that information and they hang up on me! I explained to them that i never got any loan from check and go and i told them i can not for an account that is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I used my card 2 times, but I pay the exact amount XXXX on XX/XX/2022 but they said it was a cicle that havent close yet, so they charged me {$2.00} dollars that I didnt know it was a cicle on it, passing 5 months the {$2.00} dollars increase to {$62.00}. After 5 months they started calling me to make the payment ( they didnt tell me anything about a cicle when I open this credit card ) XXXX. {$2.00} XXXX. {$6.00} XXXX. {$14.00} XXXX. {$30.00} XXXX {$62.00} that was the total amount that they charged me because of the cicles that I didnt know about. When I paid {$340.00} my balance was XXXX and I didnt use it anymore. Also when I paid they never said it was a circle with {$2.00} dollars to paid. Then I paid the cicles missing and I wanted to close this credit card but they said that even if XXXX not using this credit card cicles will still running. I told them that they never said this when I opened it, and they just said sorry because the lady didnt did a good job Now I want to rent and I see my credit been XXXX to XXXX please help me, next year I want to buy my house and I just know that this can affect my credit for 7 years and thats not fair. Thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
I am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I opened the XXXX XXXX XXXX card on XX/XX/2023 directly through a public promotion offer via XXXX XXXX XXXXl. The promotion states a XXXX MILES BONUS OFFER. In XXXX, I have made sure I met all the requirements to receive this offer, which was further confirmed by the Synchrony bank as evident by the XXXX bank statement. On the statement, it shows the opening bonus miles I received is XXXX. However, as of XX/XX/2023, the total miles I see in my account is XXXX opening miles plus XXXX miles earned from other purchases. I have contacted the company many times trying to resolve this issue and has also provided all the documents proving the XXXX offer. However, the company kept asking me to call a number where the representative just shut down my call without explanation.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-20 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: CA

Complaint narrative:
I have been disputing an account that is unlawfully on my consumer report with XXXX, Equifax and XXXX. 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency ( XXXX XXXX XXXX XXXX XXXX ) and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX Co Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
XXXX XXXX, I want to be removed as authorized user on the attached credit card. 

I want the entire credit history removed from my Experian, XXXX, and XXXX credit reports. 

I do not want anything showing on my credit reports as pertaining to this card. 

Attached are : - written complaint - screen shot of where it shows on Experian - drivers license - social security card - proof of 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 explanation
Consumer complaint received 2023-11-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX reported a 30 day late payment on my credit report.

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 2023-11-20 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:
XXXX XXXX XXXX XXXX reported a 30 day late payment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX reported a 30 day late payment on my credit report.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" ( 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 '' As such, under 15 U.S. Code 1681i, Paragraph ( 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- ( ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief