vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights. under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not that a payment on a credit card account under a open and consumer credit plan as late for any purpose

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 2024-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I disputed this and they havent got any update and its has been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I applied online for the XXXX XXXX Reward Mastercard from Barclays credit card. I received a letter in the mail from Barclays stating they needed additional information in order to process my request. They told me to mail them a copy of the front and back of the following documents : drivers license, social security card and bank statement. I called the company and told them I'd be happy to send them that information but I was not comfortable sending it through the mail because of the risk of identity thieves intercepting my information and asked if I could send it another way. The representative I spoke to said mailing the documents was my only option. When I pointed out to her the fraud risk, she said she understood but that they would only accept documents by mail. I asked her if I could fax or email and she said no. I believe the Social Security Number Fraud Prevention Act of 2017 prohibits the inclusion of an individuals Social Security number ( SSN ) on any document sent through the mail. I told them I wouldn't be applying for the credit card if I had to send my information through the mail. I don't need this credit card but I felt others could be taken advantage if I didn't point this out to someone. I hope you will work with the company to put in place other methods for getting this information. No other credit card I have has asked for information to be provided in this manner.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
My Apple Card won't work. They tell me I have to update my phone XXXX  XXXX  for my physical card to work which is insane. I'm not taking a chance on hastily released XXXX  until it has time to be tested and vetted. My credit card should not depend on my phone 's XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
We had not received any collection or payment reminders until {$60.00} in late fees were charged on {$2.00} worth of interest. I paid the entire balance off, apparently I was 1 day late on making that payment, and then 60 days later, Im finally called about being late on a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Bankruptcy by Major Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inaccurate reporting of a bankruptcy on my credit report by the major credit bureaus. Both the credit bureaus and the courts have provided conflicting information regarding the status of this bankruptcy, leading to unnecessary confusion and damage to my credit profile.

The credit bureaus have stated that the court confirmed the bankruptcy, but upon further investigation and correspondence with the courts, I have found that this information is incorrect. The courts have denied any confirmation of the bankruptcy in question.

Furthermore, despite my requests, the major credit bureaus have failed to provide adequate proof or documentation to substantiate their claim of the confirmed bankruptcy. As a result, this misinformation is unjustly impacting my credit score and financial standing.

I kindly request that the major credit bureaus promptly remove the inaccurate bankruptcy information from my credit report. This misleading data is causing me undue distress and hindering my ability to access fair and accurate credit opportunities.

I trust that the CFPB will investigate this matter thoroughly and ensure that the major credit bureaus rectify this error in a timely manner. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Bankruptcy by Major Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inaccurate reporting of a bankruptcy on my credit report by the major credit bureaus. Both the credit bureaus and the courts have provided conflicting information regarding the status of this bankruptcy, leading to unnecessary confusion and damage to my credit profile.

The credit bureaus have stated that the court confirmed the bankruptcy, but upon further investigation and correspondence with the courts, I have found that this information is incorrect. The courts have denied any confirmation of the bankruptcy in question.

Furthermore, despite my requests, the major credit bureaus have failed to provide adequate proof or documentation to substantiate their claim of the confirmed bankruptcy. As a result, this misinformation is unjustly impacting my credit score and financial standing.

I kindly request that the major credit bureaus promptly remove the inaccurate bankruptcy information from my credit report. This misleading data is causing me undue distress and hindering my ability to access fair and accurate credit opportunities.

I trust that the CFPB will investigate this matter thoroughly and ensure that the major credit bureaus rectify this error in a timely manner. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have notice that XXXX is reporting inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have notice that XXXX is reporting inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have notice that XXXX is reporting inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Despite numerous previous written requests, the unverified and unproven 60 day late payment remain on my credit report in violation of Federal Law. Please be advised that under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to. UPDATE all information which is inaccurate, incomplete or can not be verified.

This is to be taken as my formal complaint that you are reporting incorrect information on my credit file and Im challenging the reporting and compliance of the alleged accounts/items listed below. 

After reviewing my updated credit report as XX/XX/year>, I noticed the following account below is still reporting an 60 day late payment history. This is particularly concerning as this account has consistently been paid on time. Furthermore, it is illogical to have a 60-day late payment without a preceding 30-day late payment from the previous month. It is imperative that consumer reporting agencies maintain the highest standards of accuracy in their reporting.

This error is negatively impacting my creditworthiness and could significantly affect my ability to refinance my house at the lowest available rate.

I DEMAND THE FOLLOWING ACCOUNT BE UPDATED IMMEDIATELY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.

Account Name : [ XXXX ] Account Number : [ 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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( XXXX XXXX XXXX ) ( XXXX - XXXX - XXXX ) Date of Birth : ( XX/XX/XXXX ) - This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; - XXXX XXXX on XX/XX/XXXX account # ( XXXX ), - Service opened at XXXX XXXX XXXX Mobility on XX/XX/XXXX account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX account # ( XXXX ) - XXXX XXXX  Inquired on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Amex prepaid card will not work at stores in person or online. Customer service provides no help to use the card. It is {$150.00} that I am unable to use anywhere no matter how I try to spend it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number : XXXX Inquiries : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries reporting 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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-05-27 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: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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