vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant 692-1692p 807. False or misleading representations FCRA violations consist of reports to the credit agencies, XXXX, Experian and XXXX regarding my XXXX XXXX XXXX account XXXX In XXXX, this account was closed and the balance reached was {$0.00}. XXXXXXXX XXXX XXXX allocated my secured loan to the balance of this credit card account. I no longer owe anything to this bank, they have been reporting inaccurate information to the credit agencies stating the account is STILL OPEN, payments are late and inaccurate balance information.

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 2024-11-07 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as 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 non-monetary relief
Consumer complaint received 2024-11-07 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: SC

Complaint narrative:
On XX/XX/scrub>XXXX XXXX I sent in an online dispute with Equifax regarding the incorrect name ( XXXX XXXX ) displayed on my credit report. My name is XXXX XXXX. XXXX XXXX is my elderly mother. I am in my XXXX XXXXXXXX. In the dispute, I pointed out the incorrect information ( XXXX XXXX ) and what the correct information should be ( XXXX XXXX ). I uploaded 3 items of proof ( photos of my government ID, social security card, and birth certificate ) all reflecting the correct name ( XXXX XXXX ). They could have easily used my social security number to run a simple background check to verify my identity and that my name is, indeed, XXXX XXXX ( and not XXXX XXXX ), and that I have never used another name or alias legally ( especially not my mothers name ). 

This is actually the 3rd time I have tried to dispute this information. The first 2 times, I called, and they said something to the effect of they couldn't verify my identity or something else was wrong, after which they said they couldn't help me, so I never even got past step 1. Now that I say this, I seem to remember the automated system saying it was having trouble understanding me or something like that, and it was having to call a live agent to help me. 

On XX/XX/year>, they ruled that the name on my credit report ( XXXX XXXX ) is the right one and that the name will not be updated. This is despite that preschool children capable of reading could have also verified that I know what my own name is ( XXXX XXXX ). The most damning evidence is my social security card, which apparently is not proof enough that my name is in fact mine. So now were indirectly accusing the Social Security Administration of either lying or not knowing what theyre doing/talking about. I dont think its the rest of us that are the problem here. XXXX XXXX, its not the children who are wrong, youre just out of touch. 

On XX/XX/year>, I called in regarding the dispute and the customer service representative gave me no information except telling me how to open a new dispute via physical mail. At which point I decided to see if there was a department or bureau I could file with and if so, file. And here we are. On XX/XX/year>XXXX I filed a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have received multiple phone calls from different phone numbers all trying to collect debt from the same credit card. I was told when I signed up for the card that I would receive my card in the mail within two weeks, the card never arrived. ( this was in XX/XX/XXXX, I still have not received the card and it is XX/XX/XXXX ) When I called to ask about this issue, the company tells me that they do not send cards until the account is up to date on payments, this was in XX/XX/XXXX when I called. This seemed fishy and not normal to me. I told them I was told when signing up that the account would not be due until the card arrived, they then told me this " they don't send the cards until it is up to date ''. I asked how can I make a payment then, they told me I must call in and pay over the phone. I was not comfortable with doing that, but I scheduled a payment anyways, which was never taken from my account and therefore the payment was never made. I tried to schedule another payment a month later and this was also never taken from my account. I took this as being scammy and annoying so I did not reach back out to attempt to make another payment. Since then, I have not made any payments or received any mail with bills from this credit card. I have been receiving calls from this company over multiple phone numbers for months, multiple times a day ( usually around 10 times a day they will call and leave voice mails ). Lately they have been leaving voicemails advising me to get a lawyer, so I assume they are going to be suing me or sending the card balance to collections. The total amount on the card is around XXXX. The company name is Comenity Bank, the card is for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
EXPERIAN LOWER MY XXXX XXXX FOR NO REASON FROM XXXX TO XXXX. 
ALL OF MY CREDIT CARDS SCORES ARE BELOW XXXX. 
JUST BECAUSE I REFUSED TO THEIR PROTECTION PLAN, CREDIT SCORE PLAN. 
I KNOW ITS A GAME AND IT HAS TO STOP. THEY MUST NOT CONTINUED TO THREATEN CONSUMERS BY GIVING OUT FAKE CREDIT SCORE TO CREDIT CARDS COMPANIES. ITS UNFAIR TO THE CONSUMERS. PLEASE HELP! 
THANK YOU SO MUCH FOR YOUR TIME AND HAVE A GREAT DAY!

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I do not know of this debt. This company has contacted my jobs, my brother, my son, my aunt. This is embarrassing. No recollection of any kind that this debt belongs to me. I want them to stop harassing me as my immediate managers are not happy with this company calling asking for me. I do not know what this is as I became homeless in XXXX, I lost my son in XXXX, was in a shelter, stayed in my car and I do not need any stress markers moving forward. Please have these people or whatever they are stop harassing me. when work answers they say nothing then hang up like prank calls and callers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 non-monetary relief
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
In XX/XX/XXXX I discovered a collection on my credit report from XXXX and XXXX. I reached out to credit bureau usa. They told me that XXXX XXXX XXXX  sent them info on debt owed. I left XXXX XXXX XXXX. in XXXX of XXXX due to a major roach infestation that persisted over 3mths. After many work orders and phone call about the problem. The apartments never got rid of the roaches they used sub par pest control services and spent months at a time intermittently scheduling exterminator. The problem persisted I had practically abandoned my apartment until finally XX/XX/XXXX I gave notice to move. I moved out XX/XX/XXXX. I was a mth to mth tenant I left due to the negligence and uninhabitable circumstances. The collection agency therefore sent inaccurate info about the issue. My name and address incorrect. Charges were fraudulent and incorrect. Had a {$1500.00} security deposit that I used for rent XX/XX/XXXX thru XXXX, and cleaning exp. They made up a rent increase, didnt provide receipts and are not being accountable for the neglect due to roach infestation for over 3mths. As a result they have damaged my credit with this collection and claim that I owe {$1000.00}. This is in valid I have more proof docs and info if needed not able to upload at this time. XXXX XXXX XXXX and creditors bureau usa have incorrectly spelled my name on legal docs therefore this is not a debt I owe. Also, I have emails showing XXXX XXXX  accounting errors all of this was provided to Creditors.

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 2024-11-07 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: SD

Complaint narrative:
My credit report has listed an account that does not appear to be mine or contains inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: MO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX Act. # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-07 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates , LLC, put a collection on all three of my credit bureau reports, which they were not legally authorized to do. They have continued reporting the unjustified collection on my credit reports, despite my successful dispute via this CFPB portal, which resulted in PRA " closing '' the matter. I have attached a letter from PRA as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
Hello and good day, this is a formal complaint I am submitting to address incorrect information that has been mistakenly included in my credit report, please take it seriously and read this thoroughly. 

There are accounts showing up on my report that are not mine and seems to be linked to somebody else 's credit report. This misreporting is damaging my credit score and adds to the concerns I have regarding ongoing issues with identity theft and fraud. This situation violates my rights as a consumer and unfairly tarnishes my financial reputation. I am requesting that this matter be given priority so my credit report is corrected and only includes legitimate information that is truly associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
Hello and good day, this is a formal complaint I am submitting to address incorrect information that has been mistakenly included in my credit report, please take it seriously and read this thoroughly. 

There are accounts showing up on my report that are not mine and seem to be linked to another persons profile. This inaccurate reporting is damaging my credit score and adds to the concerns I have regarding ongoing issues with identity theft and fraud. This situation violates my rights as a consumer and unfairly tarnishes my financial reputation. I am requesting that this matter be given priority so my credit report is corrected and only includes legitimate information that is truly associated with me.

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 2024-11-07 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: NY

Complaint narrative:
Hello and good day, this is a formal complaint I am submitting to address incorrect information that has been mistakenly included in my credit report, please take it seriously and read this thoroughly. 

There are accounts showing up on my report that are not mine and seem to be linked to another persons profile. This inaccurate reporting is damaging my credit score and adds to the concerns I have regarding ongoing issues with identity theft and fraud. This situation violates my rights as a consumer and unfairly tarnishes my financial reputation. I am requesting that this matter be given priority so my credit report is corrected and only includes legitimate information that is truly associated with me.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-07 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: NY

Complaint narrative:
This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.

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 2024-11-07 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: NY

Complaint narrative:
This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.

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