vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-24 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-24 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: FL

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

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 seven 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 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Misleading information and marketing No one have yet to respond Need address and information updated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-12-24 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: AL

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 seven 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 2024-12-24 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:
I XXXX XXXX is a victim of Experian Data Breach. The company is allowing fraudulent accounts I disputed to remain on my credit report after I sent in a FTC for the accounts. I spoke with Experian and was informed to follow the instructions given to me to remove the accounts and the company have not removed the accounts.

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 2024-12-24 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: MN

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 explanation
Consumer complaint received 2024-12-24 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: MN

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a 12 month CD with Bread Financial ( https : //www.breadfinancial.com/ ) on XXXX XX/XX/XXXX. That CD included an attractive APY, and easy online access. My CD reached maturity on XXXX XX/XX/XXXX, and I have been trying to withdraw my money to put it into a local credit union. But Bread 's process for initiating an " external transfer '' is non-existent in either their website or their app. Consumers can set up and verify external accounts ( a process that takes several days and uses micro-transactions ), but there is no control on the website to initiate an external transfer to these accounts. Consumers must call in and speak with a representative, after navigating a complex phone tree and providing intrusive amounts of personal information in order to transfer. And the transfer takes 1-5 business days, much longer than Additionally, the CD maturity notice email included an offer of a renewal at a lower APY, but does NOT contain any details on the grace period or deadline for accepting this or withdrawing fund. 

These practices... withholding key information and implementing anti-patterns in online baking ... constitute an attempt to prevent consumers from withdrawing their funds, and coercing or tricking consumers into renewing CDs on less favorable terms without shopping around. This kind of lock-in is unacceptable and needs to be punished by the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX To whom it may concern, I have recently pulled my credit report and notice that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-24 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
XXXX XXXX XXXX has erroneously reported my credit information to all three major credit bureaus. This inaccurate reporting stems from an error originating within XXXX XXXXXXXX XXXX itself. Despite consistently making payments as per my billing statements, XXXXXXXX XXXX XXXX continues to report erroneous account information, including an inaccurate balance. 

Furthermore, the personal information associated with the account is incorrect. My name on the account is XXXX XXXX XXXX which I have consistently communicated to XXXX XXXXXXXX XXXX from the outset. This incorrect name has caused significant issues, including a prolonged period where I did not receive my account statements. This is particularly problematic as three individuals in my household share the same initials. This issue has not been resolved despite repeated attempts to bring it to XXXX XXXX XXXX XXXXs attention. 

XXXXXXXX XXXX XXXX continues to send monthly statements to my address, indicating an outstanding balance. However, they simultaneously claim my account has been charged off. This creates a significant discrepancy. If the account is indeed charged off, who is receiving the payments I consistently make through their mobile app? Moreover, the balance reported to the credit bureaus is steadily declining. This apparent decrease in the reported balance directly contradicts the claim that the account has been charged off.

I have attached screenshots as evidence to support my claim. The screenshots include : 1. A photo of my last 3 payments made through the XXXX XXXX XXXX app. 
2. A screenshot of my current balance displayed on the XXXX XXXX XXXX app. 

This evidence clearly demonstrates a discrepancy between the information reported by XXXXXXXX XXXX XXXX  to the credit bureaus and the actual account activity as reflected on their own app. The attached screenshots serve as irrefutable proof of my consistent payment history and the accurate balance as of today.

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 2024-12-24 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX has erroneously reported my credit information to all three major credit bureaus. This inaccurate reporting stems from an error originating within XXXX XXXX XXXX itself. Despite consistently making payments as per my billing statements, XXXX XXXX XXXX continues to report erroneous account information, including an inaccurate balance. 

Furthermore, the personal information associated with the account is incorrect. My name on the account is XXXX XXXX XXXX which I have consistently communicated to XXXX XXXX XXXX from the outset. This incorrect name has caused significant issues, including a prolonged period where I did not receive my account statements. This is particularly problematic as three individuals in my household share the same initials. This issue has not been resolved despite repeated attempts to bring it to XXXX XXXX XXXX XXXX attention. 

XXXX XXXX XXXX  continues to send monthly statements to my address, indicating an outstanding balance. However, they simultaneously claim my account has been charged off. This creates a significant discrepancy. If the account is indeed charged off, who is receiving the payments I consistently make through their mobile app? Moreover, the balance reported to the credit bureaus is steadily declining. This apparent decrease in the reported balance directly contradicts the claim that the account has been charged off. 

I have attached screenshots as evidence to support my claim. The screenshots include : XXXX. A photo of my last XXXX payments made through the XXXX XXXX XXXX app. 
XXXX. A screenshot of my current balance displayed on the XXXXXXXX XXXX XXXX app. 

This evidence clearly demonstrates a discrepancy between the information reported by XXXX XXXXXXXX XXXX  to the credit bureaus and the actual account activity as reflected on their own app. The attached screenshots serve as irrefutable proof of my consistent payment history and the accurate balance as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
XXXX XXXX XXXX has erroneously reported my credit information to all three major credit bureaus. This inaccurate reporting stems from an error originating within XXXXXXXX XXXX XXXX itself. Despite consistently making payments as per my billing statements, XXXX XXXXXXXX XXXX continues to report erroneous account information, including an inaccurate balance. 

Furthermore, the personal information associated with the account is incorrect. My name on the account is XXXX XXXX XXXX which I have consistently communicated to XXXX XXXXXXXX XXXX  from the outset. This incorrect name has caused significant issues, including a prolonged period where I did not receive my account statements. This is particularly problematic as three individuals in my household share the same initials. This issue has not been resolved despite repeated attempts to bring it to XXXX XXXXXXXX XXXX XXXX attention. 

XXXX XXXXXXXX XXXX continues to send monthly statements to my address, indicating an outstanding balance. However, they simultaneously claim my account has been charged off. This creates a significant discrepancy. If the account is indeed charged off, who is receiving the payments I consistently make through their mobile app? Moreover, the balance reported to the credit bureaus is steadily declining. This apparent decrease in the reported balance directly contradicts the claim that the account has been charged off. 

I have attached screenshots as evidence to support my claim. The screenshots include : XXXX. A photo of my last XXXX payments made through the XXXX XXXXXXXX XXXX app. 
XXXX. A screenshot of my current balance displayed on the XXXX XXXX XXXX  app. 

This evidence clearly demonstrates a discrepancy between the information reported by XXXX XXXXXXXX XXXX  to the credit bureaus and the actual account activity as reflected on their own app. The attached screenshots serve as irrefutable proof of my consistent payment history and the accurate balance as of today.

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 2024-12-24 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-24 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$4500.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX {$3100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00} These credit accounts are the results 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