vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.

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 2024-06-04 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:
I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.

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 2024-06-04 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: CA

Complaint narrative:
As far as I know by the laws and regulations, any and all others are inaccurate and outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file. 

Please Delete immediately! this items listed below as it is inaccrate and mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate and delete immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: Nelnet, Inc.
State: OH

Complaint narrative:
I have made numerous phone calls, one as recent as yesterday ( XXXX ) where I called AND emailed them to do TWO THINGS : 1. To REMOVE my consumer statement that has been on my report since XXXX 2. To show that my student loans have been paid-off since XXXX. 
I sent a request in writing to XXXX on XXXX and called that day and requested that these situations be resolved ... .again. At the time, there was also a problem with another loan that I had paid off that they were not showing paid and after I sent them proof, that " was '' correct, but the other issues were " under investigation. '' Well, late yesterday, at XXXX XXXX., I spent a half hour on the phone with " XXXX '' ( XXXX XXXX ) at XXXX trying to find out what was going on. She was extremely nice and after putting me on hold for a long time, she assured me that the " consumer statement '' was removed because " it was not showing up on her side '' of the system. I kept showing it when I logged in, and even when I logged out and back in, the statement was still there. She then advised me to log-in on XXXX, which I just did, AND IT IS STILL THERE! When I called last night, I explained to her that I received this confirmation in the mail from XXXX that they did it and yet it was still on my report. I read her the confirmation number and she said that something was wrong but that she has seen where this has happened before. She then put me on hold and came back and said she corrected it, but apparently not! 

As for the school loans, that is there too, despite the fact that I sent them documentation that it was paid off. My credit report should only show that I have a home equity line and that it has an EXCELLENT credit history. My credit is being hurt as a result of this and I would like it corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus XX/XX/year> Shellpoint posted paid XX/XX/year> per XXXX posted paid XX/XX/year> Shellpoint posted late charged assessed and negatively posted to XXXX credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
PLEASE, I'M BEGGING YOU TO SETTLE THE REMAINING BALANCE FOR MY REPOSSESSION, PLEASE UPDATE THE INFORMATION LATES ON MY CREDIT REPORT,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 BMO Harris Bank had notified me that they had issued payment of a fraudulent check in the amount of {$4300.00} against my savings account with them. They have the person who wrote a check against this account ending in XXXX on video and were now aware that the check cashed did not match my signature and that the transaction was indeed fraud. As of this date, I have contacted all various organizations, ( i.e. Credit Bureaus, XXXX XXXX, police report, etc. It has now been almost XXXX months and my money has not been replenished by BMO Harris after multiple attempts. 

Please help.

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 monetary relief
Consumer complaint received 2024-06-04 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: TX

Complaint narrative:
I recently looked at my credit report, which made me quite depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are included below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I opened a store account through XXXX Comenity Capital Bank, XXXX XXXX when promoting 15 % off purchase. I gave the lady at register my current license. XXXX XXXX XXXX XX/XX/XXXX I realized I never recieved a card or statement from XXXX. I contacted customer service to notify that I have not recieved anything but I wanted to pay the balance and close the account. Which I thought I did. XX/XX/XXXX my husband and I apply for HELOC and bank notifies me that my credit score is XXXX because of outstanding balance of XXXX to Comennity Bank. I still never recieved a statement in the mail or email. Comenity Bank called a couple times but I didn't answer assuming it was a scam call because I wasn't aware of having any loans with them. I contacted Comenity Bank and immediatly paid the XXXX ( although I should have disputed but trying to fix my credit score fast for HELOC ). The agent explained that when I paid off the balance owed and closed the account, Comenity Bank charged me interest the next day, which I was unaware of and accummulated into the {$140.00} -- of their fees and charges on this closed account. I also verifyed my address on file which was still wrong. It was an address I hadn't lived in over 12 years and definitely was not on my license. XX/XX/XXXX several days later I called Comenity Bank again requesting my account number so I could pull information up online so I could write to Comenity with the statements asking them to reverse the credit score and refund the ( XXXX + the now {$2.00} ). I never had the account number and I was unable to set up online to view the account. During this call I asked to double check there was no balacne and the account was closed -- I asked her to say the amount out loud so I could record -- which she said I wasn't allowed to do but the credit card company has recordings of all conversations. That is when I was notifed that I was charged AGAIN ( {$2.00} ) and would need to pay it off -- on the same closed account. This is two times this company has charged interest to me on a closed account. I have had excellent credit for 30 years and I would have never let a minimal charge ruin my credit if I would have known about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This morning, I received an email saying " that we will make a Change in Terms to your Torrid Credit Card account. '' The email then asked me to sign into my secure message center to see those changes. 

I logged into my account ( not through the email ) and there were no messages in the secure message center. 

I called Comenity bank ( who handles the Torrid card ) to ask what was changing. They told me my XXXX was being raised to 35 %. 

I owe them no monies and I have never had a late payment. There is no reason for the interest rate to go up, much less to be at 35 %. 

I promptly cancelled my account. I then called the same bank about my AmEx card and found out that interest rate has been raised to 30 %. I cancelled that account as well. 

However, this is telling me that all the credit card companies are starting to charge exorbitant rates. After doing some research, I found out that ursury laws only apply to banks and not credit cards. BUT since banks issue the credit cards, I believe they should be held to the same usury laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Payment was made to Capital One in the amount of {$100.00} Confirmation # XXXX on XX/XX/year> and {$490.00} payment Confirmation # XXXX was made XX/XX/year>. Capital One still shows a balance reflecting {$490.00} refusing to credit the amounts paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I called customer service and the woman said I would receive an email that day stating Freedom Mortgage is NOT increasing my mortgage payment to cover anything other than my home taxes. It's been over a week and I have yet to receive this email. 

Once again Freedome mortgage is stating I owe them a flat payment of {$3200.00} and my mortgage will still going up over {$100.00} each month. There's is no chance my taxes are going up almost {$4500.00}. Last year they tried to force me into using their insurance company - even though I was fully covered. After multiple attempts, they still hade n't solved the issue and I needed to report them. 

As stated last year. I'm extremely concerned about this company being able to purchase mortgages such as mine. I've been a home owner since XXXX and have had my mortgage sold many, many times. I've not reported one. This is the first company that I am very fearful is unethically taking money from innocent people that have not chosen to to business with them and are locked in.

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 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I never gave my permission to be add to this account

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 2024-06-04 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:
I did not open this account nor authorize any transactions associated with it. The fraudulent activity has caused significant damage to my credit. I have already successfully resolved this matter with the bank involved. 

I have attached supporting documents, including a copy of the police report and the report filed with the Consumer Financial Protection Bureau, detailing the identity theft.

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 2024-06-04 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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