vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: MA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This was 1 of 3 transactions/ purchases online. This was the third transaction and third attempt to get the correct size and fit. But it didnt work and all of the items were returned through mail or at a local store. The problem is once all the items were returned the account still had a balance of {$22.00}. Well, before I purchased the items on XX/XX/year>. I spoke to a chat associate name XXXX and she agreed to waive the XXXX  fee for the purchase. However, she never did that. I have called the customer service number several times in an attempt for them to correct and honor the representative offer. Each time the associate would tell me they see the problem and they guarantee that they will fix the issue. Please allow 3-5 days, then one said 5-7 days and another said 10 -14 days. I kept calling and getting the same response but no one was fixing the issue. I put in a dispute with the credit card company XXXX Express Credit Card XXXX. However, when they research, they stated they saw the fee was returned XX/XX/year>. However, the fee they are seeing returned was for an order placed as overnight on XX/XX/year> and wasnt received until XX/XX/year> so they returned my overnight fee for that one. The chat representative XXXX agreed to waive the fee on XX/XX/year>. She directed me to place the order and then she will waive the fee. I did as she stated then she changed her stance and said she will refund if the items arent received timely. I asked her to honor the original offer she made. She agreed to honor, but unfortunately never followed through. I took a screen shot of some of the chat conversation with her agreeing to waive. Additionally, I have waited the days Express stated it would take to correct the charges and it never happened. Now the account has a late fee {$30.00}, interest charges {$2.00} all on top of an overnight fee {$22.00}, that they keep telling me they will fix, but havent. I want them to correct the account. I have been a customer of theirs for many years and there is no reason it should take this long for them to correct the account. They should be able to review each item purchase on XX/XX/year>, XX/XX/year> and XX/XX/year> that all items were return. But the account has a balance. What is the balance from? It's the fee that I was told would be waived. The credit card company keeps telling me to contact the store the store is saying contact the credit card company. I really dont understand why this is so difficult. I hope you can help with this. Thank you and I appreciate your assistance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I uploaded and updated Victim Determination Letter and it was 'Denied ' the same day stating that the letter was invalid ; however, no one can explain what makes the letter invalid. I am actively working with an agency who has confirmed that no one from Equifax has reached out to them. Also, please note that XXXX and XXXX was able to successfully validate the letter, which I am including for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Number one the balance on my credit report says {$460.00}. Now GLA is saying its {$500.00}. Whats the truth? GLA bought this in ignorance not knowing the full situation. This was 100 % human error by someone in the billing department. As I stated before the insurance company said I am not responsible for payment. Secondly and once again, I will mention this charge on my credit report is unlawful. GLA is responsible for taking this off my credit report, Beginning 2023, CFPB states by law Only unpaid medical collections with a starting balance of {$500.00} or higher will show up on your credit reports. This bill is a result of human error. I am asking for it to be removed from all credit reports. I sent a cease and desist letter to G.L.A and they continue to call everyday and send letters. I do not owe this {$460.00} period. It is unlawful and why hasnt it been deleted from my credit report. What are the next steps I need to do to get this issue resolved once and for all? Also, I was an XXXX XXXX XXXX XXXXXXXX for over a year. This was filed on my last day of employment. I find this ironic. Its very sketchy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the deletion of a XXXX XXXX  charge off account from my XXXX credit report, which was originally disputed by me. The dispute investigation was concluded on XX/XX/year>, and XXXX has confirmed that the account was completely deleted from my XXXX credit file. 
As a result of this deletion, I believe this account is now considered unverifiable by XXXX, and I am requesting that you promptly remove this account from my credit report as well. I am entitled to accurate and complete information on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by a credit reporting agency must be accurate, timely, and verifiable.

Legal Rights : 1. FCRA Section 1681i : Under the FCRA, you are required to ensure that any information you report to credit bureaus is accurate and complete. If an account is found to be unverifiable, as in this case, it must be removed from the credit report.

2. FCRA Section 1681e ( b ) : You must maintain procedures to ensure the accuracy of the information you report. If an item is not verified or is inaccurate, it should be deleted or corrected within 30 days from the time of dispute.

3. Right to Sue : If this account is not removed or corrected within 30 days of receipt of this notice, I reserve the right to take legal action under the FCRA, which could include filing a lawsuit for violations related to the failure to remove inaccurate or unverifiable information. This can result in claims for actual damages, punitive damages, and attorney fees. 
I expect that, in light of the XXXX deletion, you will proceed with removing this account from my credit report within 30 days of receiving this letter. Please confirm in writing when the account has been removed or provide any supporting documentation that indicates why the account has not been deleted. 
Failure to comply with the FCRA and resolve this matter in a timely manner will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and exercising my legal right to seek compensation. 
Thank you for your immediate attention to this matter. I expect a resolution within the legal timeframe, and I will be closely monitoring my credit reports for compliance.

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 2024-12-04 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: TX

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the deletion of a XXXX XXXX  charge off account from my XXXX credit report, which was originally disputed by me. The dispute investigation was concluded on XX/XX/year>, and XXXX has confirmed that the account was completely deleted from my XXXX credit file. 
As a result of this deletion, I believe this account is now considered unverifiable by XXXX, and I am requesting that you promptly remove this account from my credit report as well. I am entitled to accurate and complete information on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by a credit reporting agency must be accurate, timely, and verifiable.

Legal Rights : 1. FCRA Section 1681i : Under the FCRA, you are required to ensure that any information you report to credit bureaus is accurate and complete. If an account is found to be unverifiable, as in this case, it must be removed from the credit report.

2. F

CRA Section 1681e ( b ) : You must maintain procedures to ensure the accuracy of the information you report. If an item is not verified or is inaccurate, it should be deleted or corrected within 30 days from the time of dispute.

3. Right to Sue : If this account is not removed or corrected within 30 days of receipt of this notice, I reserve the right to take legal action under the FCRA, which could include filing a lawsuit for violations related to the failure to remove inaccurate or unverifiable information. This can result in claims for actual damages, punitive damages, and attorney fees. 
I expect that, in light of the XXXX deletion, you will proceed with removing this account from my credit report within 30 days of receiving this letter. Please confirm in writing when the account has been removed or provide any supporting documentation that indicates why the account has not been deleted. 
Failure to comply with the FCRA and resolve this matter in a timely manner will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and exercising my legal right to seek compensation. 
Thank you for your immediate attention to this matter. I expect a resolution within the legal timeframe, and I will be closely monitoring my credit reports for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: NE

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Accounts Due to Inaccuracies FCRA Section 605B Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-12-04 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Accounts Due to Inaccuracies FCRA Section 605B Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-12-04 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account System calls me every day and then hangs up when I answer. I have spoken to them and was threatened by their employee. I have asked them to stop calling me and to call the creditor instead, but Eastern Account System still calls me every day, even on weekends and holidays.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

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 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
They've been intently harassing me non-stop to pay this debt but won't take my money. 
I've made countless efforts to get them to take my money, via phone and the website as well as sending emails. I have also contacted the original creditor, XXXX XXXX  & they to refuse to take my payment. They lied to the judge on record certified mail that they didn't get a response and tried to get a default judgement, then they sent me a letter and not the court lying to trick me to not go to court. They send you to voicemail anytime you try to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NV

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX, XXXX, and XXXX XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit Reporting : The " XXXX XXXX  '' is reported as {$6100.00} ( XXXX, XXXX ) but {$5300.00} ( Equifax ). 
XXXX. Conflicting Comments : Remarks such as " Credit Card Amount in XXXX XXXX is Credit Limit '' do not align with reported data. 
XXXX. Late Payment Reporting Ambiguity : " Was 30 Days Late XXXX Time '' is unsupported by a detailed payment cycle. 
XXXX ( Account # XXXX ) : XXXX. High Credit Reporting Errors : " XXXX XXXX  '' is reported as {$11000.00} ( XXXX ) but {$0.00} ( Equifax ). 
XXXX. Date of Last Payment Conflict : The " Date of Last Payment '' differs across bureaus. 
XXXX. Late Payment Mismatch : " Was 30 Days Late 1 Time, Was 60 Days Late 1 Time '' conflicts with " Current '' status. 
XXXX XXXX XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit : " High Credit '' is {$4600.00} ( XXXX, XXXX ) but {$4600.00} ( Equifax ). 
2. Late Payment History Conflict : " Was 30 Days Late 1 Time '' is inconsistent with " Current '' payment status.

3. Conflicting Comments : Remarks such as " Charge Account in XXXX XXXX is Credit Limit '' lack clarity and alignment with reported data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NV

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX, XXXX, and XXXX XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit Reporting : The " XXXX XXXX  '' is reported as {$6100.00} ( Experian, XXXX ) but {$5300.00} ( XXXX ). 
XXXX. Conflicting Comments : Remarks such as " Credit Card XXXX in XXXX XXXX  is Credit Limit '' do not align with reported data. 
XXXX. Late Payment Reporting Ambiguity : " Was 30 Days Late XXXX Time '' is unsupported by a detailed payment cycle. 
XXXX ( Account # XXXX ) : XXXX. High Credit Reporting Errors : " High Credit '' is reported as {$11000.00} ( Experian ) but {$0.00} ( XXXX ). 
XXXX. Date of Last Payment Conflict : The " Date of Last Payment '' differs across bureaus. 
XXXX. Late Payment Mismatch : " Was 30 Days Late 1 Time, Was 60 Days Late 1 Time '' conflicts with " Current '' status. 
XXXX XXXX XXXX ( Account # XXXX ) : XXXX. Inconsistent High Credit : " High Credit '' is {$4600.00} ( Experian, XXXX ) but {$4600.00} ( XXXX ). 
XXXX. Late Payment History Conflict : " Was 30 Days Late 1 Time '' is inconsistent with " Current '' payment status. 
XXXX. Conflicting Comments : Remarks such as " Charge Account in XXXX XXXX  is Credit Limit '' lack clarity and alignment with reported data.

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