vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The Fair Credit Reporting Act, specifically XXXX XXXX XXXX section XXXX, emphasizes the necessity for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and a commitment to safeguarding the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information remains confidential, a right supported by XXXX XXXX XXXX, which articulates that it is the policy of XXXX for each financial institution to maintain an ongoing obligation to respect customer privacy and to protect the security and confidentiality of their nonpublic personal information. Under this statute, a " furnisher of information to credit agencies '' qualifies as a financial institution. 

Furthermore, XXXX XXXX XXXX section XXXX ( a ) ( XXXX ) stipulates that a consumer reporting agency XXXX provide a consumer report only under specific circumstances, including adherence to the written instructions of the consumer involved. Neither XXXX nor XXXX, as consumer reporting agencies, possess my consent to disclose my information, nor do they have any written authorization from me. I hereby revoke any and all forms of consentbe it verbal, non-verbal, written, implied, or otherwisethat XXXX have been granted to XXXX, XXXX, or any other furnisher of information to credit agencies. 

Additionally, XXXX XXXX XXXX ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise their nondisclosure option. I was never made aware of my right to opt for nondisclosure. Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) states that, except as permitted under subsection ( b ), no consumer reporting agency XXXX produce a consumer report that includes certain adverse information. 

It is prohibited by law. According to XXXX XXXX XXXX XXXX ( A ) ( XXXX ), " No individual shall provide any information pertaining to a consumer to any consumer reporting agency if the individual is aware or has reasonable grounds to suspect that the information is inaccurate. '' Furthermore, XXXX XXXX XXXX XXXX mandates that " Each consumer reporting agency must implement reasonable procedures aimed at preventing violations of section XXXX of this title and to restrict the provision of consumer reports to the purposes specified in section XXXX of this title. '' It appears that XXXX and XXXX are failing to uphold reasonable procedures. Additionally, XXXX CFR XXXX asserts that " A consumer has the right to opt out at any time. '' Therefore, I am exercising my right to opt out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
Had my identity stolen and bank account drained of over XXXX back in XXXX. Ive yet to recover my money and have hired a lawyer. Negative accounts and inquiries arent mine need immediate removal from 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 2024-12-17 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These inquiries are a result of fraudulent activity, and I am seeking to have them removed as they were not initiated or authorized by me. 
The inquiries in question are : INQUIRIES : 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sold off my account to first source advantage. ending in # XXXX on XX/XX/year> - paid an agreed upon amount of {$270.00} to settle the balance of {$460.00} as of XX/XX/year> - first source advantage is still reporting a deficient balance of {$180.00} to both themselves and XXXX per email # XXXX they refuse to update the account as settled and remove the balance. the payment was to resolve the account, not to have the remaining balance sit and negative effect qualifying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my knowledge or consent. Pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I kindly ask for these items to be removed promptly. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I kindly ask for these items to be removed promptly. 
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 2024-12-17 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: IL

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened as a result of unauthorized access to my personal information. 
Accounts to be Blocked and Deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened as a result of unauthorized access to my personal information. 
Accounts to be Blocked and Deleted 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 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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Additional information for complaint XXXX after doing research found that the account in question is attached to a arbitration clause that the company refused to use by suing me instead

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My wallet and SSN was lost and have been a victim of identity theft still to this day. I called to remove inquiries in XXXX, XXXX, & XXXX, said company said that a FTC report is needed to remove inquiries. FTC report was sent in and said company is stating of not receiving it. Will not remove inquiries from report after non stop reportings. They will not remove them over the phone but also will not admit to receiving information that was sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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 regarding account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. According to 15 USC 1681 EB and 15 USC 1681 I, you are suppose to assure maximum possible accuracy. These Accounts is not accurate to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EB.

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 2024-12-17 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: NC

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I kindly ask for these items to be removed promptly. 
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 non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
So i want to be very clear, i have inquires that have been on my report from the past and a few recently that i did not apply for. I reached out to the bureaus months ago and have yet to receive a reply which makes me feel like i cant get any help when i didnt apply for these accounts which are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
So i want to be very clear, i have inquires that have been on my report from the past and a few recently that i did not apply for. I reached out to the bureaus months ago and have yet to receive a reply which makes me feel like i cant get any help when i didnt apply for these accounts which are listed below : 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 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, the company XXXXoot Barn opened a credit card in my name without my knowledge. The store had me put in my social security number for what I was told was a XXXX XXXX XXXX but when I got home the manager of the store called me to inform me that they had opened up a credit card in my name on accident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: CA

Complaint narrative:
Klarna sold off account to XXXX XXXX. 

on XX/XX/year> - paid XXXX XXXX {$120.00} and was told account was settled in full. 

on XX/XX/year> - balance was not updated as settled and told they refuse to update balance with both XXXX and Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRIAD FINANCIAL SERVICES, INC.
State: IL

Complaint narrative:
I bought a mobile home almost two years ago. Since then I've been asking the company that I pay my mortgage to a multitude of questions that they refuse to answer. My first question was why do I have paperwork called a " Illinois customer notice of assignment '' that says my loan has been sold or transferred to another creditor I never got an answer. My second question was why was my interest rate at 8 % I never got an answer. My third question was why did they approve a loan for {$35000.00} for a property that was appraised at {$19000.00}. I also have a lot of other questions that never got answers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. Accuracy of Reporting : Issue : If the balance, payment status, or any dates are inaccurate, this violates 1681s-2 ( a ) of the FCRA, which requires information furnishers to report only accurate information.

Possible Concern : For accounts charged off or closed, balances often should not continue reporting inaccurately or past due amounts can require correction.

2. Disputed Information : Issue : If the consumer disputes the information, creditors and credit bureaus must investigate and mark the account as disputed. If disputed is noted but inaccuracies remain unresolved, this violates FCRA 1681i.

Remarks Field : Some accounts are marked as disputed by consumer, but the presence of errors after this notation might suggest improper investigation.

3. Balance Reporting on Charged-Off Accounts : Issue : Once an account is charged off, it should not report inaccurate balances or statuses. Continuously reporting a balance after charge-off while no payments are made may indicate a reporting error.

4. Last Payment Date Inconsistency : Issue : If the reported Date of Last Payment or Closed Date doesnt align with account statuses, that may violate the requirement for timely and complete reporting.

It is clear that my consumer rights are being violated. If this is not deleted I will be forced to take legal action.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XX/XX/year>2024, I deposited a third-party check for {$27000.00} issued by XXXX XXXX , drawn on XXXX XXXX XXXX  , into my Chase Bank account ending in XXXX. 

On XX/XX/year>2024, Chase restricted my account, stating the check required additional review due to third-party verification. They claimed that the phone number I provided for the original payee, XXXX XXXX, did not pass their internal verification and risk tool. Despite this, I took the following actions to prove the legitimacy of the transaction : Provided two phone numbers, an email address, and the physical address of the payee, XXXX XXXX. 
Submitted a notarized affidavit of endorsement, signed by XXXX XXXX, affirming that : - The check was voluntarily endorsed in good faith.

- The transaction was legitimate.

- Included a photocopy of XXXX XXXX government-issued ID ( front and back ) for verification.

Chase refused to accept any of these verification efforts, insisting that they could only call a verified phone number tied to the payee based on their database of credit bureau and public records. They provided no alternative methods for verification, despite my repeated efforts to comply. 

On XX/XX/scrub> 2024, Chase closed my account and placed the remaining balance of {$26000.00} on hold, pending third-party verification that I have been unable to meet under their arbitrary requirements. Chase offered to return the funds to the maker ( XXXX ), but XXXX informed me during a phone call that their internal policies do not allow returned checks or reissuing funds.

As a result, I have been unable to access the funds, which were intended to pay for rent, bills, and inventory for my newly formed business. The financial hardship caused by Chases actions includes : - Inability to pay rent, utilities, and basic living expenses.

- Accumulation of {$5000.00} in loans to cover necessities, with an interest rate of 30 % APR.

- Multiple late payment notices and overdue bills for essential services.

Chase Banks actions are unreasonable and inconsistent with standard industry practices. They have failed to provide clear written communication citing specific laws or regulations that allow them to hold funds indefinitely. Additionally, Chase 's reliance on unverifiable phone numbers disproportionately impacts individuals who do not have access to phone services tied to credit bureau databases, raising concerns of fairness and compliance with consumer protection laws.

I respectfully request the CFPBs assistance in resolving this matter and ensuring Chase releases the funds promptly.

Company response to consumer: Closed with non-monetary relief