vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was looking at my credit report and some things were not correct. I sent a letter to TransUnion on XX/XX/year>, it has been more than 35 days since the credit bureau received the letter and there has been no response. Now the debt collection company has another company reaching out to me by the name of XXXX that is representing the debt collection agency. I received a validation of debt from XXXX and now emails from XXXX, stating that the debt exists but there is no verification of the debt stating that this account belongs to me. I was sent a letter showing that the documents originated at their company instead of the company I allegedly owe. 
It has been more than 35 days and that is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). 
Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency directly, or indirectly through reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer reseller. 
TransUnion legally and professionally should provide details of the investigation.

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 2024-12-20 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 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 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 explanation
Consumer complaint received 2024-12-20 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

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 2024-12-20 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: CA

Complaint narrative:
I want to dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit report, I noticed that there are credit inquiries listed that I did not authorize. These unauthorized inquiries may be affecting my credit score, and I would like to request an investigation into their validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 notify you that I am a victim of a data breach, and I am requesting that all inquiries related to the breach be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following inquiry should be blocked and deleted : XXXX XX/XX/2024 As this inquiry resulted from unauthorized access due to the data breach, I request its immediate removal from my credit report. Please provide written confirmation once the inquiry has been removed and supply me with an updated copy of 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 2024-12-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. I would love any feedback possible before taking action against you later down this road together.The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate. I am demanding accurate documentation so you can document me- the person who deserves status in society - correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint regarding eight unauthorized credit inquiries made by Navy Federal Credit Union that appear on my credit report for : Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my credit score and financial standing. I have contacted Navy Federal to address this matter but have not received a satisfactory resolution. I need 8 wet signature applications and proof of authorization and consent. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take appropriate action to ensure their removal and prevent further unauthorized activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Incorrect assignment made to me of debt for " XXXX '' in Ohio. I have no accounts with XXXX and have not opened any account with XXXX, or affiliated institutions. I have not lived in Ohio since 1997. My past address from Ohio still shows on my credit report. 

I have disputed this incorrect assignment twice already and I need for the notifications and duns to my report to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I disputed the Victoria Secret balance reported on my credit report by Comenity Bank. Instead of fixing the error, XXXX now reports that I carried a balance on the card of {$7400.00}. This is completely false. I made one in store purchase when I opened the account in the store of less than {$100.00}. I paid the balance in full and never activated the card when it arrived in the mail. I have been trying to get Comenity to fix this error and complained to XXXX. XXXX is now reporting I carried a {$7400.00} balance on the card which is completely false. I am trying to buy a car and can not do so because of Comenity Bank lying and XXXX now joining in on the lies. I have ONE negative mark XXXX my credit score -- all because of COMENITY and NOW XXXX is perpetrating the fraud. I never carried a balance on the card. NEVER. I pay all my credits cards each month in full unless there is 0 % interest. Comenity is lying and so is XXXX. No one will provide any proof. They are trying to extort money from me because there stupid {$40.00} charge in lying fees is now costing me thousands because I can not get a car loan. PLEASE ACTUALLY DO SOMETHING ABOUT THIS. I AM A SINGLE MOTHER TRYING TO PUT MY KIDS THROUGH SCHOOL. I AM TIRED OF ONLINE COMPLAINTS AND NOTHING GETS FIXED -- IT JUST GETS WORSE!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
To KIA RE : Form 1099-C Cancellation of Debt I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your XXXX XXXX XXXX don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

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 2024-12-20 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-20 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:
Personal Statement Personal Statement Personal Statement XXXX  had placed two fraudulent accounts on my credit reports, i did not open these accounts, these accounts were open woth out my knowledge i want these accounts removed off my reports, i have knowledge of these accounts, my information has been leaked and it had caused identity theft, please except this report as true that those accounts were open by someone other than I want these accounts removed, I am seeking a lawyer and sue for the data breach that has caused the identity theft

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 2024-12-20 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: NY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I received an offer for an Ally bank mastercard in XX/XX/XXXX, with an offer of a {$200.00} bonus if I spent {$500.00} on the card by XXXX, XXXX, and the bonus would be paid by XX/XX/XXXX. I never received the bonus. I met the terms of the offer, by spending over {$900.00} on the card, it was never past due, and my savings account with Ally was still in effect. 

I called the credit card team of Ally bank in XXXX, I spoke to 2 different people who both agreed I met the terms and should have gotten the bonus, but they said I had to contact Ally bank directly to get paid, ( somehow the credit card people are separate from Ally bank itself ). I called Ally bank, multiple times and was told it would take 1-2 days. Nothing ever happens. I then started contacting them via chat on the website to have a record of what they were saying. They say the issue was " escalated '' but nothing ever happens. 
Customer service is located in a foreign country. I eventually was able to talk to a manager who just said a " specialized team " was looking into it, but could not give me a timetable. 
It's been almost 7 months since they were to send the bonus. It's obvious they are not doing anything

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 monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The information listed above is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). According to this statute, consumer reporting agencies must ensure the highest possible accuracy of the information they report. 
Additionally, your agency is in breach of [ 15 USC 1681b ] ( a ) ( 2 ), as I have not authorized the sharing of my private and confidential records. This constitutes a violation of my privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
ok so the complaint appears to not be getting heard. the last time I complained I was asking XXXX XXXX disclose who the flesh and blood human being was that validated the debt not for them to send me over the bank statements. they continue to send bank statments when I continue to ask for the accounting records. XXXX XXXX has charged off the account yet they continue to report on it. XX/XX/XXXX they reported the account closed when it has been reported a charge of quite some time ago almost for about 4 years now. This account remains on my credit report and is updated on a monthly basis further perpetuating the fraud. pursuant to FCRA 605 ( c ) which carries civil liability of XXXX they continue to " re-age '' the charged off account. further more pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the person XXXX XXXXXXXX continues month after month with each update carrying a civil liability charge of XXXX and enough grounds to take this person to district court for persistently violating federal law on a monthly basis. further more Equifax has been furnishing information from I dont know and continues to allows the person named XXXX XXXX  to report the debt as valid on my credit file for Equifax this is defamation and willful injury which are grounds for a solid case against this person and the proof of the injury is memorialized on my annual credit report. this is pursuant to FCRA 623, XXXX XXXX XXXX XXXX, Us court of appeals for the third circuit court case XXXX XXXX XXXX. XXXX XX/XX/XXXX filed ( XXXX XXXX. XXXX ) which does carry civl liabilities that are defined to be as " any actual damages sustained by such person as result of such failure '' any being defined as unrestricted. further more, equifax has failed to delete information that has been deemed inaccurate by other credit bureaus. same applies to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: TX

Complaint narrative:
Received a debit and credit card in the mail from Chime that I did not order or authorize. I called Chime to cancel these cards and the first time I called I was put on hold for 20 minutes then the call was dropped. When I called back they reviewed the accounts and noted that though my name, phone number, date of birth, last 4x of my social security number and address were all correct the email and phone number were not my own. They then transferred me to their fraud department where they asked for some verifying information then put me on hold for another 10 minutes or so. In the end they cancelled the cards and sent me an email confirming that the cards were cancelled and urging me to report the fraud with at least one of the major credit bureau. Even a cursory search online finds this same thing happening to many other people. Chime needs to change the way its accounts are opened to take into account that if you have any kind of online presence then all of the basic information they require to open an account is readily available to the scam community because of how poor online security is for so many businesses.

Company response to consumer: Closed with non-monetary relief