vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA XXXX. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
A collection agency account, XXXX XXXX XXXX, recently appeared on my TransUnion credit report, for a debt that I do not owe. I submitted irrefutable proof that I do not owe the debt that the collection agency is claiming in a dispute I filed with TransUnion, however TransUnion refuses to remove the account from my credit report. XXXX XXXX XXXXXXXX XXXX made an error on a checking account that I had requested to be closed in XX/XX/2022, by mistakenly adding overdraft fees on the account that was supposed to have been closed. I notified the bank of its error, and they removed all of the fees ( {$150.00} ), and issued a final statement showing a {$0.00} balance on XX/XX/2022.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX Charge card XXXX each XXXX charge cards XXXX each XXXX unknown cards addendum to the first complaint. this is XXXX attorney XXXX We were forced into a sale of a ring. We knew that we didnt have the credit to cover this type of transaction. We left the store without sufficient funds to cover the purchase. And still dont have the funds covered for the SCAM. And the next day, we tried to return it. But were told they would only give a store credit unless we had it appraised and it was less than the purchased price. We get home to find XXXX credit cards ( with a total of {$62000.00}. ) and additional money being requested to be on the cards that had been declined due to not enough credit resources. And we have rejection letters. Nowhere would we have thought there would have been numerous charges for XXXX item. And a balance for XXXX other cards we still do not know where they are. We were told the store will take on that balance at this time nothing has been said about who to pay or how much. So, we went and had the appraisal completed as per the invoice. And it came back with a Fair Market Value of approx. {$26000.00}. For the purchase price of a {$78000.00}. Ring. And stated this was a SCAM. This was totally a scam from the very beginning. We hired a Florida Attorney who was recommended by the Florida Bar. And she is dealing with XXXX Attorney that is also in XXXX Florida and they say we will have to go to XXXX XXXX XXXXXXXX for arbitration. The cost we have already had to come up with for something that we didnt and dont want is way beyond our means. Please let us know if there is anything that you can help with. In speaking with the HOT line they said this would be added to the original claim. Thank you XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NJ

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have directly contacted all the companies involved and followed the necessary steps to address this issue. I have filed an identity theft report with the FTC and contacted each company individually to dispute the inaccurate information that should not be on my file. Your assistance in resolving this matter promptly would be greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11 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:
Ive been making regular payments to my XXXX XXXX XXXX  and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.

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 2024-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX  XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violation The following accounts are claiming to both own the same debt with balance. Also account is reported as Charge OFF and Written OFF at the same time. Both accounts need to be removed from my credit report. 
XXXX XXXX XXXX XXXX  XXXX Experian is reporting the same account XXXX times and this is violation of my rights. 
Debt collector was unable to validate debt pursuant XXXX XXXX CFR 1006.34. See documents and proof of receipt attached. 
XXXX XXXX XXXX ACCOUNT is reported in collection but missing information as when/if the account has been sold, and not reflecting a {$0.00} after sold. Account is reporting inaccurate 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
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This is the second time, I've been assessed interest on a balance paid in full. The first instance was due to a system error, and a fee of {$1.00} was waived. In the second instance, I paid the full balance, but was unable to pay the amount of interest that would be assessed. When interest was assessed, I paid the interest on the day the payment was due. However, I was still assessed a late fee on a {$2.00} interest balance from a balance that had already been paid off. I called customer care and was advised that only {$15.00} could be waived. I've been a loyal customer, and never had late payments, I'm requesting the full fee of {$35.00} to be waived as a true courtesy, because I've never received a refund. I appreciate XXXX as a company, and would like to see that XXXX  values my business and time, and do what is right for the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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:
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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
Over the past several years, American Express, in conjunction with my other creditors, have reduced my credit score by more than XXXX points, resulting in my inability to secure a consolidation loan to pay off my credit card debts at a much lower payment and interest rate. They have reduced my credit score even though I have never missed a payment or defaulted on any account. For the past several months, I have continued making payments in the amount requested, including finance and interest charges, and in spite of my continued downward spiral financially. Eventually, I could no longer maintain the payments, and requested, via letter, that they work with me and accept a monthly payment of {$50.00}, on the condition they stop all interest charges, finance charges, and any late fees now accruing. I also informed them that I am XXXX XXXX, and living on a fixed income. 
They have neither refused nor accepted my offer to pay this account under the aforementioned terms, and have as yet to even acknowledged that I've made any effort to work with them. 
I sent them a letter on XXXX. 
I sent them a payment of {$50.00} on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I'm currently in the process of reconciling my credit reports due to facing repeated rejections, and it's become quite a complex issue. According to XXXX XXXX, my XXXX report indicates a XXXX XXXX payment history and no derogatory remarks, despite previously having numerous inaccuracies that I've since resolved. All my marks are positive, and I'm seeing a XXXX score of XXXX, although I'm actively working with XXXX XXXX to address any discrepancies. 

Both XXXX XXXX and XXXX show a valid score of XXXX, with XXXX also reflecting a 100 % payment history and no claims, which aligns accurately with my financial situation. However, upon recently checking Experian, I was surprised to find a score of XXXX, which doesn't match my payment history or lack of collections as seen on XXXX and XXXX. 

Experian requires a payment to update my report to reflect the current year, but I'm hesitant to spend money just to uncover potential errors impacting my life. My concern lies in Experian 's divergence from the truth and the standards set by other accessible agencies like XXXX. I firmly believe that my true credit standing mirrors what's reported by XXXX : a score of XXXX, with no collections and a flawless payment history. 

I'm filing this complaint with Experian in hopes of aligning my credit report with the accuracy reflected by other agencies. Without having to pay for access, I need assurance from XXXX that my credit report accurately reflects my financial standing. I need to have XXXX ensure I have no collections and XXXX XXXX payment history as tha'ts the only truth. I have attached everything i have from XXXX showing no collections, XXXX XXXX payment history and a XXXX, the only reason i'm not XXXX is because of hard inquiries, and i want those removed too because i did XXXX to XXXX and it's probably experian causing false rejections because they are XXXX points off my score and i'm not paying them a dime, for me to find out why my score is low, that's blackmail by definition. Actually that's extortion and no free option is available and contacting them is a cluster

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 2024-04-12 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: CA

Complaint narrative:
There are inquiries on my Equifax Report that should not be there These inquiries were added without my knowledge. in compliance with the tair credit reporting at these inquiries need to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: NJ

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have directly contacted all the companies involved and followed the necessary steps to address this issue. I have filed an identity theft report with the FTC and contacted each company individually to dispute the inaccurate information that should not be on my file. Your assistance in resolving this matter promptly would be greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11 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: NJ

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have directly contacted all the companies involved and followed the necessary steps to address this issue. I have filed an identity theft report with the FTC and contacted each company individually to dispute the inaccurate information that should not be on my file. Your assistance in resolving this matter promptly would be greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-12 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:
I am writing to express my deep frustration regarding the ongoing issue of fraudulent items appearing on my account. Despite numerous attempts and previous complaints, the problem persists, and I find this unacceptable.

I have made several attempts to resolve this matter, including contacting your customer service department, submitting dispute forms. However, despite assurances that the issue would be rectified, I continue to encounter the same problem.

This situation has caused significant inconvenience, stress, and financial burden for me. I expect a resolution to this matter immediately, including the removal of all fraudulent items from my account and appropriate measures to prevent similar incidents in the future.

If this issue is not addressed satisfactorily, I will have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies and exploring legal options. With this, I am asking for your assisstance to remove these fraud items in my credit file. XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$15000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: LEXISNEXIS
State: TX

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 2024-04-11 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: FL

Complaint narrative:
I contacted XXXX bank about certain issues in regard to this account " deemed as mine ''. XXXX bank informed me that the account was charged XXXX  and sold to a collection agency. In addition, XXXX claimed the full amount on their tax return.Yet, they keep reporting the full amount owed on my credit report as if they never sold the account to a collection agency and claimed full tax credit on their tax return. Evidently, the amount that they are reporting is inaccurate and misleading. As such, I elect to use my right by asking XXXX bank to remove the account completely from my credit profile. Yet, they refused to do so knowing that they are reporting inaccurate and incomplete information to the credit bureau agencies. Furthermore, I contacted the credit bureaus agencies : Equifax, XXXX XXXX, and XXXX to no avail. I am witting this letter to put XXXX Bank on notice about their fraudulent act toward me as a free and sovereign man. I demand that XXXX and the bureaus remove their trade line from my credit profile immediately. It is known that by law any account that is reported incompletely and inaccurately must be removed from the credit bureau. By refusing to remove this account from my credit report, XXXX Bank is violating my every rights as a free and sovereign man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
This fraud account is being reported by a third-party agency and reports a different address on three different credit bureau. If you look at my XXXX also this company is sketchy. Its not licensed and bond when Im checking the address that is showing on my XXXX. Please delete this fraudulent account.

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 2024-04-11 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:
This fraud account is being reported by a third-party agency and reports a different address on three different credit bureau. If you look at my XXXX also this company is sketchy. Its not licensed and bond when Im checking the address that is showing on my XXXX. Please delete this fraudulent account.

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