vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting yet ANOTHER complaint about Experian preventing me from accessing my own credit report so that I can attempt to recover from identity theft. 

I am also reporting that despite have a freeze and fraud alert since XX/XX/year>, and no access to my account due to the screenshot attached, I still receive daily alerts about my credit report and to log in and see why my score dropped again. From what I can see and what Experian Identity works has told me, they are allowing creditors who have already charged off debt which is not mine and reported it to Experian, to create duplicate records while also preventing me from disputing anything. 

This was their response after 3 months from the last complaint regarding them employing deception tactics to prevent access to my account : We employ an authentication process to verify the consumers identity for access of their report online. We go beyond reliance on personally identifiable information ( PII ) or a consumers ability to answer knowledge-based authentication questions to access our systems. We do not disclose additional processes for obvious security reasons ; however, our data and analytical capabilities verify identity elements across multiple data sources and are not visible to the consumer. This is designed to create a more positive experience for our consumers and to provide additional layers of protection. We apologize for any inconvenience or misunderstanding, and we appreciate the time you took to send us feedback regarding our website. We value the input from our customers, and assure you we will give serious consideration to the issues you presented to us. It is through information provided by customers such as you that we are able to improve our products and memberships. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian Which yes, makes sense that they are intentionally preventing me from accessing when compared to the hundreds of hours of me attempting to recover. 

This is going to be reported until I am able to use XXXX and discovers identity theft insurance to find the best attorney and sue XXXX have a called with them tomorrow to establish legal aid for this and other things that Experian is allowing. 

Attached is the exact same screen shot that I've report d to CFPB, Experian, FTC, Attorney General, FBI, and Police for almost a full year which appears after they make me change my password, sometimes twice, and then use it.

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 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection. The law clearly states that : IN GENERAL ( c ) 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. This agency is in violation of 15 U.S. Code 1692c.

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 2024-07-28 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: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2024-07-28 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 recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/XXXX for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. After 38 days of the letter being sent out this company started calling me to collect on the debt for the first time since the debt reported on my credit bureau. After i asked this company to cease and desist any communication per debt validation letter until the debt is verified. this company called on XX/XX/XXXXXXXX XXXX XXXX  after i asked to stop all communication via phone and response by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: SC

Complaint narrative:
I also respectfully request to be provided proof of this alleged item, specifically that these payments were in fact late. By the provisions of the consumer laws. I demand that if unable to do so or lacking proof of these payments being late, please update my payment history of PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditor who have requested a copy of my report in the last six months. XXXX has recently updated my credit report as XX/XX/2024, it still says the same thing everything remain the same NO change I'm very frustrated and upset this has been going on for 5 months and NO RESOLUTION AT ALL. With all the documentation that been sent in it has never changed. I've sent forbearance letter and deferment letter no change

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 2024-07-28 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: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
A creditor called " LVNV FUNDING LLC '' contacted members of my family and me. Their calls were disturbing and vague. They refused to prove they own the debt, and that I owe a debt. My family and I want to be left alone and I want this debt stricken from my credit report. I don't recognize this debt. I have never heard of it before and it is mistakenly on my credit report. 

XXXX Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am a victim of identity theft please remove inaccuracies on my credit profile and please PER the FCRA 623 ( a ) ( 5 ) 'If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove information from the consumer profile.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. LEXIS NEXIS YOU ARE COMMITING FRAUD AS YOU NEVER THE LAW AND ARE COMMITINGFRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2024-07-28 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: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Resources

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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 recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/XXXX for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. After 38 days of the letter being sent out this company started calling me to collect on the debt for the first time since the debt reported on my credit bureau. After i asked this company to cease and desist any communication per debt validation letter until the debt is verified. this company called on XX/XX/XXXXXXXX XXXX XXXX  after i asked to stop all communication via phone and response by mail.

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 2024-07-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
After filing for bankruptcy in XXXX and undergoing a lengthy process that led nowhere, I decided to drop the case in XX/XX/XXXX. During that time, I was also fighting a foreclosure in court and hired the law firm XXXXXXXX XXXX XXXX  in XX/XX/XXXX for {$4000.00}. Once the retainer was depleted, I was to be billed monthly. By XX/XX/XXXX, the retainer was exhausted, and the law firm charged an additional {$2000.00}. When I requested an accounting of the work performed, I received nothing. The main issue I have is that they made a copy of my debit card to keep on file and charged at their discretion. I disputed the charge with Chase on two different occasions, but they ruled in favor of the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I contacted Citi Bank at XXXX to close a personal credit card account I no longer use. The Citi Bank Representative informed me that I could not close the account without a valid reason. I told them I no longer need the account. The representative stated that was not a valid reason and put me on hold until I could come up with a valid reason. After thirty minutes on hold I discontinued the phone call.

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 2024-07-28 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 recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/XXXX for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. After 38 days of the letter being sent out this company started calling me to collect on the debt for the first time since the debt reported on my credit bureau. After i asked this company to cease and desist any communication per debt validation letter until the debt is verified. this company called on XX/XX/XXXXXXXX XXXX XXXX after i asked to stop all communication via phone and response by mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Once again, Comenity Bank has managed to turn a good customer into a frustrated, irritated mess. 
I wrote in earlier this year about Comenity 's policy of 'freezing ' accounts after receiving certain payments. No satisfactory response was provided, but I was able to use my card with few interruptions for a period of a few months. 
Now, when I am traveling, after having made a payment, my card has begun to decline despite the fact that I have available credit remaining. However, even though I called in and heard about the 'hold ' that was AGAIN placed on my account, the logic of " protecting '' the bank is contrived due to the payment being made on XX/XX/XXXX and already having been posted, along with the funds removed from my account. Theoretically, if I was a bad actor, I could have made a massive payment, utilized the available credit with spurious charges, and then cancelled or bounced the payment when Comenity got around to removing it from my bank. Placing a 'hold ' on my account 3 days after the payment post date, after I had used some of the available credit resulting from the payment, defies logic and has no conceivable explanation. I am in a different city and rely on my cards as vital tools to facilitate purchases and services I need to procure while here. Having repeated declines when I HAVE AVAILABLE CREDIT is unacceptable. 
When I spoke to Comenity customer service, the response was less than thorough. The associate presented the pending charges, payment, and hold as such various, different, unusual issues instead of the normal credit card activity they are. 

Comenity is inept, useless, and shameful. Instead of reaching out, PROACTIVELY, to customers, they force them to receive information that no one can help with via a plodding and slow customer service line. XXXX XXXX and her canned replies are not helpful, and I want this hold taken off my account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
My entire credit reports has multiple fraudulent transactions that are not supposed to be included on my credit report which is causing me actual damages and causeing me to get denied everything i apply for let alone i never gave any written consent too experian XXXXXXXX XXXX XXXX  to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any transactions or anything on my credit report relating to thoes companies which also caused damages to me and public humiliation to my credit standings also has no lawful right to do so or impact my credit worthiness!

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 2024-07-28 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I ask the debt collectors to validate the debt no response back This is a violation of 15 U.S. Code 1681i Removal of inaccurate/ invalidated credit information.Most be deleted

Company response to consumer: Closed with explanation