vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I noticed some unfamiliar items on my credit report, which suggests that my identity may have been stolen since I did not authorize these accounts. I've raised this issue before, and I'm now requesting the prompt removal of these accounts from my report. Their presence is causing me significant stress and does not accurately reflect my credit history or financial behavior. If we can not resolve this, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are severely hindering my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I got an auto loan from Bank of America for a XXXX XXXX. Acct # XXXX. This was about 3 years ago. When trying to access my account recently due to selling the car I was locked out. After many phone calls the bank notified me that my social security number on the online account system was incorrect. My SSN is used for their dual factor authentication so I had no way to access the account. The bank acknowledged that the original paper work they have on file scanned in is correct but the information was incorrectly put into their system. After acknowledging their mistake they told me that i needed to send in load of information to get this corrected and it could take a few months. Keep in mind, they HAVE the original paperwork and can see that they made a mistake. Whenever I am on the phone with them to even get simple information they ask for information on the account to " verify '' me however since I can not access the account I can not get in. They have refused to fix their error, which is completely on them, over and over. The only way I have to access my account would be to do a multi stage long process of " verifying my SSN '' which they have already on hand from the original paper work. The loan is paid off however, since I have autopay, I can not cancel it without access to my account, This means they will continue charging me until either they fix the problem, or i spend months fixing it for them and then have to wait for further reimbursement.

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 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity calls me all night and day from restricted numbers. The last time they called, I picked up the call and asked them to stop contacting me. The lady, who sounded of XXXX  XXXX descent refused and started to use abusive language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: I.C. System, Inc.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I requested validation of the alleged debt ( XXXX XXXX ) from I.C System which they have failed to provide proof, as it did not include any documentation supporting the validation of the debt. 
FYI. From what I truly know and what I can truly prove that : 1. You are not even authorized to Conduct Business in the state of Florida. 
2. The presence of this ALLEGED DEBT from you ( I.C. System ) significantly impacts my ability to access credit, secure favorable loan terms, and achieve my financial goals. 
3. Negatively impacts my creditworthiness to family members, friends, car, and financial standing. 
4. Defamation of character 5. ITS ILLEGAL for any collection agency to buy up any alleged debt from any original CREDITORS and come after any consumer. 
6. I did not give you ( I.C. System ) any CONSENT ( WRITTEN/VERBAL ) to report anything on my consumer report which violates my rights as a federal protected consumer. 
7. IDENTITY THEFT ( AGGRAVATED ) ; BREACH OF PERSONAL 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 non-monetary relief
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EXPERIAN credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized inquiries : XXXX XXXX XXXX XXXX on XX/XX/year> and XX/XX/year> I have already contacted EXPERIAN regarding this matter but have not received a satisfactory resolution. I am requesting that the CFPB ensure EXPERIAN complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.

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 2024-09-25 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: FL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-09-25 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:
In accordance with the Fair Credit Reporting act. 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 Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EQUIFAX credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized inquiries : XXXX XXXX XXXX  on XX/XX/year>, XXXX XXXX  on XX/XX/year>. 

I have already contacted EQUIFAX regarding this matter but have not received a satisfactory resolution. I am requesting that the CFPB ensure EQUIFAX complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
Im writing this complaint today because experian is not doing a good job at investigating these accounts. these accounts are reporting inaccurately on my credit report. I sent debt validation request with account information to XXXX about account # XXXX and the documents I was sent back does not match with what experian is reporting. Date opened is mix matched across all the credit reporting agencies, high credit is inaccurate, On the account they are reporting with XXXX account number # XXXX claim to be a collection account but they are reporting there are late payments another violation. and the same with XXXX XXXX account number XXXX, This is claimed to be a collection account but is reporting late payments. I have attached copies of screen shots of the the inaccuracies reporting. The credit reporting agencies are getting away with a lot of violations to my consumer report and i am saving all of these communications and disputes just in case I have to take my case to court. A fair resolution will be for Experian to delete these accounts from my credit report and cease reporting them.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX I legally changed my name to align with my gender identity. On XXXX I submitted documents ( social security card, drivers license, court order changing name ) to Equifax in order to update my name. On XXXX they returned the dispute having changed nothing, and asked me to submit the same documents again. In the time it took them to not change my name they somehow determined that my XXXX credit accounts and student loan account belonged to my dead name ( even though all three have been under the correct name ). On XXXX I submitted a dispute to remove a credit account that belongs to my mother from my report. On XXXX they returned the dispute, refusing to as we verified that this item belongs to you. The entire process of updating my information with Equifax has been extremely frustrating. Every page of their website and mouths of their support representatives have been filled with references to my deadname, and at times it feels like they are intentionally making changes difficult for trans users. If accurate reporting is the goal why do they happily update account balances and statuses while ignoring name and identity mismatches on those same accounts?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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:
I was notified that my information was exposed in multiple data breeches so I pulled my credit report to check them for any information that should not be on them and noticed that I had a public record of a bankruptcy, and several inquiries that I did not authorize as well. Please remove the public record and the following inquiries from my report. i have attached a copy of my FTC report to the complaint.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was notified that my information was exposed in multiple data breeches so I pulled my credit report to check them for any information that should not be on them and noticed that I had a public record of a bankruptcy, and several inquiries that I did not authorize as well. Please remove the public record and the following inquiries from my report. i have attached a copy of my FTC report to the complaint.

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 2024-09-25 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:
Ally Financial XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Bank XX/XX/XXXX, ComenitySally XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Wiz leasing XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, 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 2024-09-25 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 explanation
Consumer complaint received 2024-09-25 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:
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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I lost my job in XX/XX/2024 due to layoff. My job field is undergoing lots of outsourcing to XXXX so it's harder to get back in. Capital one reached out via email and letters to settle my credit card debt. ( under XXXX ). When I lost my job, I called them to let them know and asked about a payment plan however the representative I spoke with said there is nothing they can do and I need to pay up. 

Today I called them since the last letter said that if I don't resolve it, they will send to collections. I called them to resolve issue and Capital One proposed an APR reduction plan for 6 months at XXXX $ XXXX month. On the phone it sounded a good option and I was under the impression that once completed, I would be good standing, starting at XXXX. There was no discussion that I will need to pick up the payments again or that I will have to pay off the debt once the XXXX period plan is over. 

I am hard of hearing and upon reading the email in detail, while on the call with the representative, I told her I don't agree to the terms. Because I was under the impression that 'good standing ' would mean that I won't owe anything back anymore as my effort to make the payment amount for the next 6 months would show them good faith on my end. 

She repeatedly said there is nothing they can do and they can not cancel it. 

There was no retraction/reflection period proposed and I requested if there was since everywhere we go, something like this is proposed in the financial world. 

Capital one got me with a manager because the representative was unable to cancel and he repeated the same thing that once the plan was accepted, I can not cancel. However, the 'I can not cancel once enrolled ' I don't recall hearing this on the call, otherwise it would have raised some red flags for me. 

I don't want this plan and what can I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was trying to finance a vehicle and was told that my Equifax account was locked due to security reasons, this has inconvenienced me in a major way, I have a family and we rely on my car for all of our transportation needs. If I was made aware of this a long time ago ( which I wasn't sent a letter an email or nothing ) I would've gotten this taken care of so that I didn't run into problems like this. it is goin on 1 week with no vehicle and I am afraid I may lose my job due unreliable transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal 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 non-monetary relief
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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