vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXXCharge off XXXX XXXXCharge off XXXX XXXX XXXXCharge off XXXX XXXX XXXX XXXXCharge off XXXX XXXXCharge off

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 2024-11-19 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXXCharge off XXXX XXXXCharge off XXXX XXXX XXXXCharge off XXXX XXXX XXXX XXXXCharge off XXXX XXXXCharge off

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 2024-11-19 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 was shocked to see incorrect accounts listed on my credit report this morning, and I have no idea how they ended up there. I regularly check my report, but this time I noticed unexpected discrepancies. This has been extremely distressing, and I urge a thorough review of the documents I provided to ensure that such issues dont happen again.

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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. When I checked my credit report as I usually do, I noticed unexpected discrepancies. I even refreshed my browser, hoping it might just be a glitch, but the unauthorized inquiries persisted. I urge you to thoroughly review the documents Ive submitted so I can stop worrying about this issue once and for all.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I got " Bread Cashback Credit Card '' from " Bread Financial ''/ '' Comenity Bank ''. I got a new iphone and I was trying to add this credit card to " XXXX XXXX '' / '' XXXX XXXX ''. As soon as I added the card, without asking for my permission or any prior warning warning, the card tried to place phone call from my iphone in order to do the verification. At that time, since I had just go the phone, it was conned to the internet through wifi, but I was in process of setting up the cellular network in the phone with my cellnetwork provider. Since there was no cell network in the phone, the phone call that the card tried to place, did not go through. Since the phone call did not go through, " XXXX XXXX '' / " XXXX XXXX '' blocked the card. The card got blocked with no fault of mine. If I would have known that the card will try to place a phone call without my permission, the I would have added the card after setting up the phone network. At this point, I already was able to add to my " XXXX XXXX '' / " XXXX XXXX  '' without any problems in verification, without any cellular network, my 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. So it is natural to assume that I should not have any problem in adding " Bread Cashback Credit Card ''. I understand that different financial institute have different methods of verification, but I was not given any prior warning or I was never asked for permission to place phone call from my phone. Anyway, moving further : in the next few days I got mail from " Bread Financial ''/ '' Comenity Bank '' that I need to provide them with my ID, SSN and Address-proof, which I sent them through the email id that they had provided. But after that they closed my account without my permission, without any warning, without telling me what I did wrong, without giving me a chance to prove my innocence. I did not do anything wrong, I am not farud, I can come and talk to " Bread Financial ''/ '' Comenity Bank '' to prove my identity, I am a real person, I am not fake. I can come to any court hearing if needed be. I can come with my ID, my Social Security Card, my address proof. At the time of this happening, I was in the process of moving to new apartment, and so, for my address proof, I even provided " Bread Financial '' / '' Comenity Bank '' with the proof of the old address and the proof of my new address. I provided them with everything. I am not fraud, I am not fake, I am real person with real identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4500.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$730.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, affirm Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4500.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$730.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, affirm Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In early XX/XX/year>, there was an attempt to debit our business " wires in '' account.

We provide our bank details to our 1,300 customers so they can pay via ACH, EFT, Wire, etc. We provide these details because the account was designed to have a debit block.

Because of the above attempt and Capital One Bank 's ( COB ) failure to adhere to debit protection, COB decided to hold the account under fraud protection.

It also decided to force us to close the account and is threatening to do so on XX/XX/year>. 

The " XXXX XXXX '' account is our business 's lifeline ; about 70 % of sales are paid through this account. It is a risk to our business to close the account so abruptly without having enough time to inform our customers of a new account.

It is COB 's negligence to have the debit block on the account, and now we are facing a major risk to our business 's well-being.

COB responded to my prior complaint ID XXXX by saying they would keep the account under fraud protection, which is fine by me. That solution is equitable, places safeguards ( that should have been placed before ), and brings NO risk to us or COB.

However, the response does not mention that the account will be closed unilaterally.

I called the bank 's representative, who responded to me three times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and left voice messages ( there was no email address on the response ). Till today I received NO response from COB, while the bank insists that the account will closed on XX/XX/XXXX ( in 3 days ). 

Time is of the essence, the CFPB 's involved is needed to prevent the account from forced closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$14000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}. 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 XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$14000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$100.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}. 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 XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I requested a payoff from LoanDepot and when I received it the payoff is {$60000.00} higher than expected and what is on the statement. I called to review the payoff with XXXX in the department and asked why there are two adjustments and why there was double interest accruing. She said she would speak with her manager and call me back. She never called me back. I have called them 4 additional times and emailed them 2 additional times. I have called XXXX XXXX  to file a complaint and I still haven't heard back from anyone regarding this and any errors. I then let XXXX know i will file a dispute as I am closing on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
Despite previous disputes filed with Experian and XXXX ( on dates provided ) under FCRA 605B for identity theft accounts ( e.g., XXXX XXXX ), these accounts remain on my report. Despite FTC identity theft filings and all required documentation, the bureaus failed to meet their obligations to investigate thoroughly and delete fraudulent accounts. This negligence is in direct violation of FCRA 611, which mandates the removal of unverifiable or inaccurate information. I have faced financial and emotional distress due to their inaction, including denied credit opportunities. Immediate rectification is necessary to prevent further harm.

I am requesting immediate action to investigate these failures, enforce the removal of the accounts, and hold the credit bureaus accountable for not complying with consumer protection laws.

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 2024-11-19 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: LEXISNEXIS
State: AR

Complaint narrative:
I do not owe debt that's reporting to the credit bureau. I have no knowledge of this debt. 



XXXX XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$3000.00} XXXX XXXX XXXX  Account number XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} 15 U.S.C. 1681s-2 ( b ) The furnisher must investigate. if the investigation finds the information is inaccurate, it must be corrected or removed. Refrain from furnishing information they know is false.

15 U.S.C. 1681i Remove any unverifiable or inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: Entrata Inc.
State: AR

Complaint narrative:
I do not owe debt that's reporting to the credit bureau. I have no knowledge of this debt. 



XXXX XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$3000.00} XXXX XXXX XXXX  Account number XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  {$1800.00} 15 U.S.C. 1681s-2 ( b ) The furnisher must investigate. if the investigation finds the information is inaccurate, it must be corrected or removed. Refrain from furnishing information they know is false.

15 U.S.C. 1681i Remove any unverifiable or inaccurate information

Company response to consumer: Closed with explanation