vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XXXX I opened a XXXX 's Bridal account with Comenity Bank. In XX/XX/XXXX, Comenity closed my account without prior notice. In XX/XX/XXXX, I called Comenity to find out the total balance I would need to pay to settle my account. They told me {$370.00} and so I paid that amount. In either XXXX or XXXX, I received a late payment notification from my bank. I paid all my accounts on time, but when I checked the details it said Comenity Bank. I called Comenity to inquire about this. The representative told me that I did not pay the {$6.00} interest that was charged the next month ( XX/XX/XXXX ). I explained that I had no knowledge of an existing balance because I called to get the total balance to settle the account and assumed everything was good on my end when I paid it. I also told the rep that I had no problem paying the {$6.00} interest but I would need that to be removed from my credit. The late payment caused my score to drop by over XXXX points. The Comenity rep said they would not be able to remove the late payment from my credit report. I have contacted all XXXX credit bureaus, but despite explaining the situation, the only investigation done is the verify that the account is valid. 

*Please note that I opened the account under my maiden name XXXX XXXX and my email at the time was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 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: CA

Complaint narrative:
I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? 
Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. I have attached proof of the letter that was sent to me, and all items that were disputed on my previous letter sent to Transunion Credit Bureau

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 2023-11-27 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: NY

Complaint narrative:
I am reaching out and filing this complaint to TRANSUNION to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 
Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. As a consumer, I place a high level of trust in TRANSUNION to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by XXXX XXXX XXXX on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXX dispute with no answer back from XXXX XXXX due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. 

Bank of America Auto : One payment has been deemed late and dated to XX/XX/XXXX. I have been a bank of America customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I went to the bank ( Truist ) on XX/XX/2023 to withdraw some money from my checking account and was told the account balance was insufficient for my request. I spoke to the branch manager and she explained that a withdrawal of {$840.00} was made on XX/XX/2023 at another bank location outside of my district. She proceeded to file a claim for reimbursement for fraudulent/unauthorized activity. I called the fraud department on XX/XX/2023 to check the status of the claim and was told my claim was denied because I did not report the fraud within 30 days of the transaction. I explained that I could not report the fraud within that time frame because I did not know the transaction had taken place until XX/XX/2023, and I filed a claim that very day. I filed an appeal and was told the appeal was denied as well. I called the fraud office again on XX/XX/2023, explained the situation and how I could not file a claim before XX/XX/2023 because I had no idea of the fraud before that date. I also requested what process was used in their investigation and was NOT provided with any futher information. I explained that if they would review the surveillance during that transaction and the forged withdrawal ticket, they would be able to see that I was not the one responsible for the transaction. I put my money in the bank for protection and for the bank to allow someone to STEAL it is just wrong.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in 2017 and no payments have been made to them in nearly XXXX this repossesion should be removed from creidit 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 2023-11-27 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: OH

Complaint narrative:
I have information appearing on my credit report that I need deleted/removed it is not accurate. My name is XXXX XXXX please remove any variations of my name. My current employer XXXX XXXX XXXX XXXX XXXX. The following addresses are not mine/inaccurate please delete : 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 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 2023-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are numerous capital one hard inquiries on my credit file. These inquires are fraudulent. I have submitted a ftc identity theft report and contacted transunion and they will not remove them. I have not applied for credit with capital one. Please have these removed to reflect fair credit reporting. Capital One Auto Finance: 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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The payment transcribed to their system incorrectly. The rep saw the correct payment on file and saw that it processed incorrectly in their system but would not return or reverse the fees. I spoke with 6 reps about this and no one even after finding the discrepancy would assist with the fees reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received a voice message from XXXX ( identified as United States ) stating the message was for XXXX XXXX XXXX, requesting a callback at XXXX. I called the number provided spoke to " XXXX '' who stated the matter would be investigated and they would continue to attempt to collect the outstanding debt from 2017 from a pay day lender ( XXXX XXXX ). I informed " XXXX '' I had never heard of XXXX XXXX, she then asked me if I knew " XXXX XXXX '', which I replied no, she asked if I knew " XXXX XXXX '', I once again replied no. When I attempted to ask her for the documentation she hung up on me. Irritated, I called the XXXX number again and spoke with " XXXX ''. I retold the story, he asked me to confirm the last 4 digits of my social security number when he read them off. I confirmed and advised I had no knowledge of such a debt and to please provide me written documentation. He asked if a very old address was my current address, I advised him that his information was incorrect. He also then disconnected the call. I believe this is a collection company called Midland, they are clearly using improper tactics and not providing full details when they are making these accusatory telephone calls. I attempted to call the XXXX number again, only to discover it was now " Out of Service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was trying to use the card on XX/XX/XXXX at XXXX for approximately {$200.00}, with a card with an available balance of {$370.00}. The purchase was declined. When I spoke to customer service I was given the run around and told the merchant was declining the transaction. I then went a used the same type of card with a different card number at that merchant and the transaction when through so this was not a issue with the merchant it's American Express blocking a large transaction. On their website it says the card needs to be used at an online merchant that asks for the number, expiration date and security code which XXXX does. This means American Express is just arbitrarily blocking the use of my money and telling me how and when I can use it. They are stealing people 's money and it is not ok. 

*EDIT : I just tried to use the card online for a lesser amount and it was approved further noting it is not the merchant it is American Express setting unrealistic guidelines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-27 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: LoanCare, LLC
State: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my LOANCARE account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned LOANCARE account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of 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 2023-11-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.

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 2023-11-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.

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 2023-11-27 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: MI

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-27 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: MI

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, & XXXX OF 2023

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 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I submitted a verification of debt letter to the company, along with a copy of my driver 's license and they responded with a letter stating that my dispute was " frivolous or irrelevant '' and that I " did not provide sufficient information to investigate '' even though it included the first five digits of the account that is in question, my contact information, along with my signature for them to provide information. I have included a copy of my dispute letter as well as their response.

Company response to consumer: Closed with explanation