vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
At the night of XXXX I tried to purchase tires for {$270.00} ( not an excessive amount ) at XXXX in XXXX, XXXX My AAA Signature Card was rejected. I tried a few times without success, tried my other Credit Card which was declined as well. At that time, I gave up and went to bed thinking it might be a glitch. The next morning, I was awoken by a message from a fraud department on the phone. I didn't respond because of scams. I immediately called the Customer Service Number on my statements. I was informed that there is a block on my card, and it won't be lifted until a board has reviewed my account. It could last 6 to 10 days. I didn't get a straight answer as to why my account was blocked and demanded to speak with a supervisor. I got disconnected. I called back, again explained my situation. A supervisor answered eventually giving me no better answers. I thought I should just wait and see. After a few days I received the attached letter in the mail. I am requested to provide three different kinds of documentation. I do understand their safety concerns and I am willing to comply providing them with all of the offered types of documentation but NOT sending a copy of my Social Security Card. This is very sensitive information. This copy will be then on file in the Bank 's computer system and might be exposed in a potential computer hack. It is excessive to ask for an actual copy of my SSC. I then called various telephone numbers I was provided with but had no success with anything. I was several times conveniently disconnected as well. However, Comenity Capital Bank insists on the SSC copy or they will close my account down in 30 days from the date of the received letter. They are holding my account XXXX. Someone down the line informed me that I apparently had received a text at the time of my attempted purchase asking if I am the one trying to make the purchase. They claim I pressed " no '' and that is when they blocked my account, I am not aware of any of this. I have {$200.00} cash rewards outstanding on this Credit Card. I also have excellent credit. To close my account would mean losing {$200.00} and lowering my CC score. This is unacceptable and I am hereby filing a complaint against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2025-01-10 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: MD

Complaint narrative:
some of the information in the credit report is not mine. I was a part of the Data Breach and deserve to have accurate information Also, there was a charge off for XXXX XXXX XXXX and a charge off is considered income and can not be reported and must be removed. Because it was charged off Experian filed a 1099c and got a Credit at the end of tax year. which I Requested a copy. So, once a gain I'm need a copy of the 1099c that was filed with the IRS

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 2025-01-10 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: IN

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MS

Complaint narrative:
When doing investigate everything came back accurate. I thought. When I check my credit report I have negative information that is now close but inaccurate reporting on all 3 bureaus. I have dates wrong, dates when my account close, and balance, and close account that is still being paid on when it should be closed. I have not gave no one permission to pass my information all to collection agency. I have been patience and trusting the process. 
Here are the account that need to be investigate again : XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  XXXX acct # XXXX These account has false information report on my credit report. Could you confirm to me everything accurateon 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 2025-01-10 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:
The following account number XXXX ( XXXX XXXX XXXX XXXX ). stated that I had a late payment. I never recieved the statement for this month. I asked the creditor and the credit reporting agency to validate and provide proof under the fair credit act that this was properlhy recorded. NO information was given. Please remove this immediately

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 2025-01-10 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2025-01-10 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This breach exposed my personal information and unauthorized parties have used it to open fraudulent accounts in my name. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B, 615 ( f ), 623 ( a ) ( 6 ), and 15 U.S.C. 1681 ( c-2 ).

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 2025-01-10 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-01-10 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I called Bread Cashback Rewards American Express Credit Card to direct-deposit my cashback rewards to my checking account on XX/XX/XXXX. I provided the company with the same checking account that I use to pay my credit card bill. The only option to request cashback rewards is to call a customer service representative. There is no online form to complete and physical checks are not issued. Bread Cashback will only direct-deposit rewards money to a provided bank account or will provide a credit to the credit card statement. I spoke with 2 individuals on XX/XX/XXXX. I was informed the request had been made and it would take XXXX business days to complete the transaction. Upon ending the call I did not receive any confirmation that I made the request. 

I called Bread Cashback Rewards American Express Credit Card on XX/XX/XXXX to inquire about the status of the cashback rewards direct deposit I requested. I was told it could be taking longer due to the holidays but should be in my account within the next XXXX business days. 

I called Bread Cashback Rewards American Express Credit Card on XX/XX/XXXX and requested the issue be escalated. The customer service said there was no escalation procedure in place and that she could make the cashback rewards direct-deposit request again for me. The customer service representative went on to say that she could not find a request was ever made on my behalf but then said she found notes in her system. I asked for a confirmation number and she said there was not one since the request form is done internally. She said she would make the request again for me. 

Today is XX/XX/XXXXXXXX  and I still do not have the cashback promised to me on XX/XX/XXXX. I don't know what else to do so I am filing a complaint with the Consumer Financial Protection Bureau. When I call and speak to customer service at Bread Cashback Rewards American Express they say there is no escalation process. They also don't have confirmation numbers for requests made. They have to go through system notes to even find a request was made. The customer service reps are generally unknowledgeable, unhelpful, and unsympathetic to my situation. I'm beginning to wonder if this is all by design so the credit card company does not have to issue cashback rewards. I have stopped using the Bread Cashback Rewards American Express and just want the cashback promised to me so I can be done with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Subject : Urgent Account Restriction Issue Request for Immediate Resolution Dear Navy Federal Credit Union, Please take account off restriction I am writing to express my urgent concern regarding the recent restriction placed on my account. I was approved for a {$15000.00} personal loan, and the funds were successfully deposited into my account. For about a week, I utilized the funds without any issues to manage my household expenses and care for my children. 

However, after contacting your customer service team to request a temporary debit card limit increase, I was unexpectedly questioned about verifying my income for the loan. While I understand the need for verification, I am confused as to why the loan was approved and disbursed if further income verification was required. 

This sudden restriction has placed me and my family in a dire financial situation. I have children to feed and essential bills to pay, and this restriction is jeopardizing my ability to do so. I assure you that there is no fraudulent activity on my account, and I am willing to provide any necessary documentation to verify my information. 

I kindly request that this matter be reviewed and resolved as soon as possible to avoid further hardship. Please let me know what steps I need to take to lift the restriction and restore access to my account. 

Thank you for your time and attention to this urgent matter. I look forward to your prompt response. 

Social security number XXXX Sincerely, XXXX XXXX XXXX Account Holder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
My information is in data breach and I have been affected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-10 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-10 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: TX

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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