vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The estate that I'm the authorized representative is a victim of fraud, identity theft, birthright theft, and XXXX XXXX. Around XX/XX/year> I received a foreign bill of attainder from XXXX XXXX acting as CEO XXXX XXXX XXXX. dba XXXX XXXX XXXX. I sent XXXX XXXX a dispute requesting the original wet-ink signature contract and all accounting bookkeeping records, what specie of payment. I never received any of the information, XXXX XXXX then contracted with XXXX XXXX XXXX XXXX XXXX to move forward with a non-judicial foreclosure and I'm now being harassed by XXXX XXXX dba XXXX XXXX. for the estate property.

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 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: MT

Complaint narrative:
I have not signed any contract with them on this supposed debt. I have no obligation to this company. I have never done a trade of goods or services with this company. They have no say in this supposed debt. per ( 15 U.S.C. 1692 et seq )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurate, I had two late payments on an account that I know for a fact I paid on time. The consumer reporting agency needs to report all information with complete accuracy. This account has not been late. I've attached a copy of my credit report to this complaint on the following dates of XX/XX/year> and XX/XX/year>. I'm now requesting you investigate the account and update to these accounts to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurate, I had two late payments on an account that I know for a fact I paid on time. The consumer reporting agency needs to report all information with complete accuracy. This account has not been late. I've attached a copy of my credit report to this complaint on the following dates of XX/XX/year> and XX/XX/year>. I'm now requesting you investigate the account and update to these accounts to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
This {$2400.00} amount is showing on my XXXX Credit Report only, not on XXXX or XXXX? This debit started on XX/XX/year>, I have never received any written notice or other notice for that matter and it is not mine. I have XXXX delinquencies on my credit reports and am perplexed as to why this is on my XXXX Report? The name of the debtor is Affirm in XXXX XXXX, Ca.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, Recently looking at my credit report, I am unaware of this debt and so did not have an oppurtunity to dispute it. If in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
somebody hacked my direct Express card I still have it in my possession and they took {$670.00} XXXX reported it on the XXXX on the XXXX I received a new card but they still haven't replaced the money and then you can't get a hold of anybody to speak to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
Inquires on my account that I did not sign up for. Not sure why it is on my 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing another dispute letter for the inclusion of XXXX XXXX on my credit file. Under the FCRA, I am entitled to have incomplete, inaccurate, or unverifiable information removed from my credit file. I have previously filed a dispute with Experian Credit Bureau regarding XXXX XXXX on XXXX XXXX. I requested a copy of the Method of Verification Process required by the FCRA Laws. I've never received any documentation from Experian. I called Experian on XX/XX/year> at XXXX XXXX, with XXXX, who is a representative for Experian. She told me that they received all the proper documents to remove the disputed accounts. The rep, said that I will not get a copy of the method of Verification process because that is personal. I told her this is a violation of my consumer rights. XXXX said that Experian has their own guidelines and company rules they go by. Section 611 ( a ) ( 6 ) states that if a consumer notifies a credit reporting agency of a dispute, the agency must provide all relevant information to the furnisher and report the information back to the consumer. Since I haven't received any documents or responses from Experian, by FCRA Laws, all disputed items Shall be removed immediately from my credit file. Allowing an unverifiable debt to remain on my credit file is another violation of my consumer rights. I am not requesting another reinvestigation, I'm requesting the removal of the disputed items and Experian do their due diligence.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I asked Transunion to reinvestigate the following accounts on my credit report. XXXX XXXX XXXX XXXX, XXXX  - XXXX. They received my Letter on XX/XX/XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Transunion said that the accounts were verified. per 15 usc 1681i i have the right to request clarification of the method of verification. On XX/XX/XXXX i formally submitted my request for the method of verification. per the FCRA the company has 15 days to respond and as of today i have not received the method of verification paperwork that i requested and is lawfully entitled. 

according to the FCRA consumer reporting agencies hold a responsibility to publish 100 % accurate information. one quick glance at my credit report and i can spot inaccuracies. if an investigation was performed they would have found these mistakes also. 

XXXX : the first error I spotted is " Account status '' TransUnion and XXXX list the account as derogatory, but XXXX says the account is paid. This clearly not 100 % accurate. another obvious error is the date last active. TransUnion has XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. how is it possible for one account to have different dates of last activity. these are examples of errors that i see and should have been identified when TransUnion performed their reinvestigation. 

the same with XXXX XXXX XXXX  i have requested ALL information involving the reinvestigation of this account and i have not received anything. I'm requesting both accounts to be removed from my consumer report. it's too late to finally provide a valid investigation please delete the accounts.

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 2024-11-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I bought an American Express gift card in XXXX for my mom, it's been over two weeks since I gave it to her and she can't use it anywhere. Every place that she has tried appears as an error, it has been activated and it does have money. I took the card I decided to try for myself and added in XXXX XXXX  tried online nothing works. I have called all the numbers that are available online, even american Express regular numbers. The customer service for gift cards doesn't provide anything that is not automated, it just says go to the page of american express when you have tried to go further. The bank can not help me. I just want a solution since I pay to buy that gift card and it can't even be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Inquires on my account that I did not sign up for. Not sure why it is on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Inquires on my account that I did not sign up for. Not sure why it is on my 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My claim fraud claim # XXXX was denied. 

I was at the hospital when the transactions were made my whole purse was stolen. XXXX is XXXX. 
I gave them a copy of my hospital stay.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This auto loan was charged off in XXXX and written off as a profit loss which I should have received the 1099C which eradicates the debt however they refuse to send me a 1099 form even though they have this as a written off account since XXXX this account was reporting to the credit bureaus since XXXX as a closed charged off account on XXXX XXXX Trans Union told me that XXXX  XXXX XXXX removed the remark from closed and moved it to an open account which is not legal, this account is scheduled to fall off of my credit automatically on XX/XX/XXXX. This account has been closed for eight years. This account is reporting as a closed account to all other credit bureaus however now its reporting 77 current late payments. Trans UnionXXXX is reporting it as an open account with 77 missed payments impacting my credit score severely. By law it states : In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! XXXX XXXX has written this off as a profit and loss write off over 7+ years but says i'm late on payments this by law is wrong! They can not provide the required documents stated by law for a late payment to be reported as " late '' In addition attached will be the dispute results which indicated the MAX delinquency DATE IS XX/XX/XXXX, HOW can you report late payments 6 years past the MAX delinquency date? This account was written off XXXX but you report late payments XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: PA

Complaint narrative:
This auto loan was charged off in XXXX and written off as a profit loss which I should have received the 1099C which eradicates the debt however they refuse to send me a 1099 form even though they have this as a written off account since XXXX this account was reporting to the credit bureaus since XXXX as a closed charged off account on XXXX XXXX XXXX XXXX told me that XXXX  XXXX XXXX removed the remark from closed and moved it to an open account which is not legal, this account is scheduled to fall off of my credit automatically on XX/XX/XXXX. This account has been closed for eight years. This account is reporting as a closed account to all other credit bureaus however now its reporting 77 current late payments. XXXX XXXX/Equifax is reporting it as an open account with 77 missed payments impacting my credit score severely. By law it states : In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! XXXX XXXX has written this off as a profit and loss write off over 7+ years but says i'm late on payments this by law is wrong! They can not provide the required documents stated by law for a late payment to be reported as " late '' In addition attached will be the dispute results which indicated the MAX delinquency DATE IS XX/XX/XXXX, HOW can you report late payments 6 years past the MAX delinquency date? This account was written off XXXX but you report late payments XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
inquires on account I was unaware and not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
As shown in my prior complaints against Barclays, they resisted my closing my account and continued to accept charges against a closed account. They ignored my requests many times so I filed a complaint with CFPB. After a lot of time, they acknowledged their mistake in a letter from The Office of the XXXX. 

Since then, as recently as last week, they incorrectly reported my with a {$7.00} delinquent month. No other account I have ever had has ever had a late month. 

This dropped my credit score with all XXXX CRAs and complicated my buying a new car. 

They are incredibly incompetent or intentionally sabotaging my credit to harass me because I closed my account. 

Do you have some penalty you can enact to punish them for egregious repeated harassment of a consumer?

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 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX This is the XXXX time I have file a complaint over fraudulent account on my credit report. I have my ID and Address compromised and someone has use my ID to apply for accounts. The following accounts are in error : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THE FOOLOWING ADDRESSES WHERE USE IN FRAUDULENT ACCOUNT PLEASE DELETE THESE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to verify the accounts that are inaccurate. A proper investigation has not taken place because inaccurate accounts remain on my report. 



Delete XXXX XXXX XXXX XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and XXXX opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate. 

XXXX XXXX XXXX XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and Date opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate. 

XXXX XXXX XXXX  XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and XXXX opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate. 

XXXX XXXX XXXX  XXXX due to inaccuracy. Date opened for XXXX XX/XX/XXXX, Date opened for XXXX XX/XX/XXXX, and XXXX opened for Equifax is XX/XX/XXXX. All three credit bureaus are not reporting the same date which mean the account in inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My Equifax credit report has a XXXX XXXX  account that is not mine. 
I tried to report a fraud with Equifax but I cant The Equifax gave me a phone number but that number doesnt exist ( XXXX ) XXXX The information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX Account number XXXX Balance {$2400.00} ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Concora Credit , XXXX XXXX XXXX 


I have a Destiny mastercard and still have a Milestone card with them. 

Due to XXXX XXXX XXXX I placed a dispute against a charge, and they sided with XXXX after XXXX  was paid via other means and refused to give back the money. I closed the card, and the removed my access online to all of my accounts and refuse to grant it back. I can not verify my balance or transactions. I have spoken to them several times and they still refuse. I am on the phone with them, again as I do this complaint. 


This is important because my wallet was stoeln in XXXX on vacation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Subject : Disputing Information in Credit Report CCB/ULTA Closed Date XX/XX/year>2024 I have attached an image from XXXX XXXX Below showing the status of this account. Please remove this information from my credit reports as it still shows as a negative factor.

Company response to consumer: Closed with explanation