vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: DC

Complaint narrative:
1. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX & XXXX. Dispute Nature : In accordance with the federal Credit Report Act, XXXX has violated my rights. Under 15 USC 1681 Section 602 states, I have a right to privacy. USC 1681 Section 604 A Section 2 Also states that Consumer Reports Agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose. My information was also impacted by the Equifax Data Breach and may have got into the wrong person. 2. XXXX XXXX & XXXX. Dispute Nature:15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! My information was also impacted by the Equifax Data Breach and may have got into the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been reviewing my credit report on 3 agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are 2 inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I got an email this afternoon about a credit application for a credit card I did not apply for. The credit card was for XXXX XXXX. Because I had credit freezes in place, the application did not go through. I immediately got a credit alert from Experian and called them to try to dispute. Experian told me that they can not remove hard inquiries and that I needed to contact the creditor. I called XXXX XXXX and was transferred to 5 different departments before I was told I needed to file a FTC report and then email them the report to try to remove the inquiry.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my consumer report I saw items that did not belong to me due to being a victim of identity theft. These items are not supposed to be here, I did not permit this person ( s ) to report my consumer report nor did they notify me of these items.

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 2024-05-10 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2024-05-10 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: PR

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 inquiries and update these accounts accordingly to avoid future litigation.

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 2024-05-10 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: PR

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 inquiries and update these accounts accordingly to avoid future litigation.

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 2024-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Overview : In XX/XX/XXXX, I took out a deferred interest loan for {$16000.00} with XXXX XXXX XXXX, XXXX ( XXXX ) for XXXX XXXX installation. The loan had an XXXX " With Pay Deferred Interest '' ( WPDI ) promotion, which allowed for deferred interest if payments were made timely. 

Promotional Terms : Promotion Duration : 18 months, ending XX/XX/XXXX. 
Grace Period : Payments could not be more than 30 days late, or the promotional offer would terminate early. 
Events Leading to the Complaint : XXXX XXXX : In XX/XX/XXXX, XXXX payment was made 36 days late, exceeding the XXXX grace period, allegedly causing the promotion to terminate. 
Lack of Notification : Despite the promotional offer being terminated, the subsequent billing statements from XX/XX/XXXX to XX/XX/XXXX continued to reflect a " Promotional Expiry Date '' of XX/XX/XXXX, and showed the deferred interest charges as {$0.00}. 
The loan overview document from XX/XX/XXXX also showed a promotion expiry date of XX/XX/XXXX, and deferred interest not included in the total balance. 
XXXX of Accrued Interest : In XX/XX/XXXX, I contacted XXXX to get a loan payoff amount, but there was no mention of my promotional period having been terminated. 
In XX/XX/XXXX, I contacted XXXX again for a loan payoff amount, only to learn that the deferred interest promotion had ended over a year ago due to the late payment, and all deferred interest charges were now being included in the payoff balance. 
Had I been notified of the termination of the promotional offer at the time of the late payment, I would have paid off the loan to avoid accruing interest at 17.99 %. 
Impact of Lack of Notification : The lack of notification resulted in a significant increase in my loan balance due to the retroactive interest charges. 
The billing statements misled me into believing that the promotional offer was still active. 
Resolution Requested : Reinstatement of Promotion : Re-instate the deferred interest promotion and waive the accrued interest charges. 
Correction of Statements : Adjust my account to reflect accurate statements based on the original promotion. 
Supporting Documentation : Loan Overview Document ( XX/XX/XXXX ) : Shows a promotion expiry date of XX/XX/XXXX, despite the promotion being voided. 

Billing Statements ( XX/XX/XXXX- XX/XX/XXXX ) : Each statement reflects a promotion expiry date of XX/XX/XXXX, and XXXX deferred interest charges. 

Conclusion : The misleading billing statements and lack of proper notification caused significant financial harm. I am seeking fair resolution by reinstating the original promotional terms and correcting the accrued interest charges.

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 2024-05-10 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please 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 non-monetary relief
Consumer complaint received 2024-05-10 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: NY

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 




[ XXXX  XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate

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 2024-05-10 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: IL

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Complaint against Barclays bank for illegal behavior regarding a filed dispute. 
Company has a dispute team located in XXXX whose service is unprofessional and violates my consumer rights here. 
Dispute is with XXXX XXXX XXXX XXXX ( XXXX XXXX ) a CA based company. 
Purchased a leather sofa using a Barclays credit card. Item was delivered damaged. 
Contacted company who refused to replace the defective item Contacted Barclays credit card company- filed a dispute for a charge back. 
Barclays illegally denied the dispute -displayed unfair consumer treatment and violation of the Fair Credit Billing Act.

Requested re-opening of dispute but bank refuses to act in contravention to the Act.

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 2024-05-10 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete 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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This is through Chase Bank ; I was beginning to get charged purchase interest, which is fine I understand interest is part of having a credit card. However from XX/XX/2023 I have been charged purchase interest of {$8.00} which is no big deal and something I could handle and I put a credit of around $ XXXX later that month for a XXXX I had. 

At the end of XX/XX/2023, I went on a trip with a friend and had to spend well over the XXXX which was around $ XXXX at the time, I had paid all my minimum payments on time and now my purchase interest is up to {$190.00} and my minimum purchase is now $ XXXX That is almost {$800.00} I would have to pay, for them to charge me again for this issue. In the month of XXXX and XXXX, I paid both of my minimum purchases a little over {$600.00} between both months, but they took nearly {$300.00} in purchase interest charges getting me no where with my debt. 

I have called and messages them both times in order to resolve this as I am willing to pay my debt but I can not afford to keep spending even more money because I cant pay what is now $ XXXX in full because of this purchase interest charge. They have been unhelpful and basically tells me each time that I must pay it in full or the interest and minimum payments will be higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TN

Complaint narrative:
Violation of 15 USC 1681b ( e ) ( 6 ) Your Company is in VIOLATION of 15 USC 1681b ( e ) ( 6 ). ALL CRA 's must maintain a joint notification system. I do so believe that this subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. This account and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. 

Account : XXXX XXXX Account # : 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