vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Case No # XXXX and # XXXX. I have contacted XXXX per the instruction in letters on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  to verify to remove me from this account and delete this account from my credit report. This company failed to follow their own procedure and continue to show inaccurate information on my credit repairs. Please remove me this account from my XXXX, Experian, and XXXX account immediately. I have followed XXXX steps by contacting XXXX XXXXXXXX XXXX  and spoken with a representative and follow up with a dispute to remove.

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 2024-09-14 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: NV

Complaint narrative:
15 U.S. Code 1681Accuracy and fairness of credit reporting with this being mentioned I have found several inaccuracies on my report with late payments and I have them listed below XXXX XXXX XXXX XXXX XXXX XXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixedXXXX XXXX XXXXXXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixedXXXX XXXX XXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I never had national grid account in my name. someone used my information. 
I REFUSE TO PAY THESE DEBTS. 

XXXX DOES NOT BELONG TO ME. I REFUSE TO PAY THIS DEBT. 

XXXX XXXX KEEPS HARRASSING ME. I AM STRUGGLING. I'VE TRIED TO REASON WITH THEM. XXXX PUT ME IN A BAD SITUATION. 
I REFUSE TO PAY THIS DEBT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: Marlette Funding, LLC
State: IL

Complaint narrative:
1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report.2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA . 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report.2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA . 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The company is Commenity. I had a Torrid charge card and have a small bill of maybe {XXXX. Since XX/XX/XXXX I have received XXXX phone calls from different numbers for the company regarding my bill. I have also received text messages and emails as well. Some days I will only receive 1 call and some days I will receive 7. They call multiple times almost daily. 
I informed them of the debt collection laws regarding harassment and they began calling me once a day for a few weeks then went right back to 5 or so times per day after I told them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/DEPT OF ED Dispute Resolution Department Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of my student loan balance on my credit report. My account shows this account still on it as if it is accurate. I request that XXXX/DEPT OF ED provide concrete proof that the reported balance is accurate. Simple account statements are not sufficient evidence. I require valid documentation that substantiates this claim, such as original loan agreements, detailed payment histories, and any other irrefutable evidence showing the accurate balance of my student loan. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX/DEPT OF ED conduct a thorough investigation into this matter and provide me with the results, including any documentation you used to verify the accuracy of the reported balance. If you can not substantiate the reported balance with valid proof within 30 days, I request that you promptly delete this account and update my credit reports to reflect the accurate balance of my student loan. Furthermore, I would like to bring to your attention the potential financial implications if this matter proceeds to arbitration. Below is an itemized list of potential costs that XXXX/DEPT OF ED may incur : 1. **Filing Fees : {$200.00} - {$1500.00}, depending on the arbitration provider and claim amount. 2. **Arbitrator Fees {$1500.00} - {$3000.00} per day, with average cases taking 3-5 days. 3. **Attorney Fees : {$300.00} - {$500.00} per hour, with average cases requiring 20-40 hours. 4. **Administrative Costs** : {$500.00} - {$1000.00}, including case management and document processing fees. Estimated Costs Breakdown : - **Filing Fees : {$1000.00} ( average ) - **Arbitrator Fees : {$6000.00} ( 4 days @ $ XXXX ) - **Attorney Fees : {$12000.00} ( 30 hours @ $ XXXX ) - **Administrative Costs** : {$750.00} Total Estimated Costs : {$19000.00} Please be advised that pursuing arbitration may result in XXXX/DEPT OF ED incurring these substantial costs. Therefore, I strongly urge you to review this dispute carefully and resolve this matter promptly to avoid unnecessary expenses. Thank you for your immediate attention to this matter. I expect a written response and resolution within the statutory period as defined by the FCRA. If you have any questions or require further information, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Where is my missing FHA mortgage payment history for XXXX, XXXX, XXXX, and XXXX. I paid thousands of dollars of on-time FHA mortgage payments for those years, and my money ( XXXX XXXX XXXX XXXX XXXX ) IS NOT recorded. The history of thousands of dollars is missing. Where is my money? I paid my FHA mortgage on time for years with no missed payments. I expect for all of my thousands of dollars of payments to be recorded on time accurately. This is my XXXX credit report which takes my monthly payments and calculates it into my credit score. Stop illegally cheating me out of my excellent mortgage payment history on my credit reports and credit scores. This is the last time that I will ask. I can only take this higher. 
This is my right under the federal legislation, The FAIR CREDIT REPORTING ACT, 15 U.S.C. s. 1681 et seq.. This is also my right as an on-time mortgage, paying homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank and their outsourced collection agency was unable to help. In XXXX of 2024, Citizens Bank removed my delinquent account from XXXX reporting, causing my credit score to increase however, in XX/XX/year>, Citizens Bank began reporting the account again ; however, the reporting shows in a way that the account was recently reported as a charge off in XXXX, with no account history. This has now caused my credit score to drop XXXX points and my rating of " good '' is now " fair. '' My score was just over XXXX and is now in the XXXX due to Citizens Bank inappropriately reporting, removing the account, and then re-reporting just one month later. I asked Citizens Bank recovery team to explain what happened. They would not give me information and advised to file a dispute with XXXX. I feel that route will only be adverse and not helpful. Since the charge off has occurred, I have been making ontime monthly payments with the collection agency for the last two years or more ; however, the information being reported continues to negatively impact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Disputed the collection and ask the company to provide any information to prove its me the person who obtained the credit card like me holding ID to prove its me who applied for the credit card or through third parties who identified the person and since then they ask for police report which I told them I dont have one since the u received over 25 different numbers from them and some of those I was in meetings and cause me aggravation and Disturb

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Travel Confirmation XXXX I purchased a ticked using miles through Capital One Travel on XX/XX/year> for a grand total of XXXX miles with free cancellation up to Monday XX/XX/year>. Had to cancel on XX/XX/year> and called to confirm a full refund of my miles. They confirmed yes. I submitted the cancellation and only had XXXX miles reimbursed. Called to inquire and they said the remaining points were for the seats I purchased at {$40.00} each way ... total of {$80.00}. Again, this was ALL purchased through Capital One Travel and they took my XXXX points. They stated they'd have to submit a letter to XXXX regarding their policy ... which is also XXXX hours. I asked that they honor their promise and give me back the remaining points, and I was told nothing could be done now and I'd have to wait to see what XXXX said at the tune of 3-5 business days. Totally unacceptable. I'm asking the you make me whole with the full refund of points back immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I financed a XXXX XXXXXXXX XXXX with XXXX-interest for a year and received a XXXX credit card as the financing company. I didn't want a credit card, but that's apparently how these things are done. I never purchased anything else with the card. I paid monthly on the card, usually double the amount that would be necessary to pay the card off in one year. I always paid on time, usually early. When I logged in to my account on XX/XX/year>, I saw that I was being charged a {$30.00} late fee. I never once paid late. Also, I am unsure why I even had a minimum payment due as I was so far ahead of payments, but that's another issue. I spoke through the chat feature to a customer service rep and they said that the statements are auto-generated and that I had paid my bill too early, before the statement had been generated. I let them know that was unacceptable, and they removed the charge. But they warned me not to pay earlier than the statement generation. That is not how things should work, as people tend to pay their bills when they have the money to do so, early or not. And even though this has been resolved, I believe that this should be looked into. I had the time and ability to deal with this charge, but many don't, and I believe this is why the company uses this practice. Many people with no time or even people who don't wish to rock the boat would perhaps just pay this nonsense late fee. If this practice is not illegal, it certainly should be. That's what the CFPB is for, I'm assuming. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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:
I submitted a request for a block of adverse information that was included in my consumer report that was a direct result of my abuse and status of a victim of XXXX XXXX. I also submitted a self-attestation of my status as a victim of XXXX  XXXX  signed by a notary of the state of Florida and they denied to block adverse information. Under 15 U.S Code 1681, 605 b : ( 1 ) XXXX  DOCUMENTATION.The term trafficking documentation means ( A ) documentation of either ( i ) a determination by a Federal or State government entity that a consumer is a victim of XXXX  ; or ( ii ) a determination by a court of competent jurisdiction that a consumer is a victim of XXXX  ; and ( B ) documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from the severe form of trafficking in persons or XXXX XXXX  of which such consumer is a victim. As per their instructions on their website for information for victims of XXXX XXXX, they require a " A self-attestation, which is a statement prepared by you ( or your representative ) stating that you were a victim of XXXX XXXX that is certified by an authorized employee or representative of a governmental agency or non-governmental entity ; be provided '' I provided a notarized attestation of my status as a victim and they denied my request and violated my rights under this law. A notary is considered an " public officer of the state of Florida '' and has legal authority to validate my self-attestation affidavit that I provided to XXXX. I would like to enforce my rights to the full extent of the law as the denial of the blocking of this information is further contributing to my suffering as a victim of XXXX XXXX. I would like financial compensation of {$1000.00} per violation and immediate removal of all adverse information as remedy.

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 2024-09-14 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: PA

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 XXXX XXXX : # XXXX, has violated my rights. 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