vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
During a review of my credit report a few months ago, I found mistakes related to the CB/EXPRESS account ( XXXX ). This violates my rights. I have challenged these errors with the XXXX credit bureaus and the creditor, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: AL

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts that have appeared on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested a thorough investigation. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and significantly impacting my life. The negative effects of these inaccuracies have caused immense hardships for me, affecting my ability to secure necessary financial services and live a normal life. I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: EQUIFAX, 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 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 2024-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NC

Complaint narrative:
Ive been paying aesuccess since 2012, it says that Ive paid in total {$9000.00}. Ive put more into my interest in my principal because it got deferred without my permission but it was only deferred for probably a year and ever since then Ive been paying for years now and it does not seem like its going anywhere and the amount I still owe is {$4700.00} is it that I have been paying so much interest and yet have not paid a {$5000.00} loan off my interest is 12.99 % I think that Im getting ripped off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
Dear CFPB Team, I am writing to formally file a complaint against Equifax for their refusal to remove an inaccurately reported bankruptcy from my credit report. Despite my attempts to dispute this information, Equifax continues to report a dismissed bankruptcy, which is unfairly impacting my credit score and financial standing. 

Description of the Issue : The bankruptcy in question was voluntarily dismissed by the court, as evidenced by the attached court order. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a credit report is accurate and complete. Reporting a dismissed bankruptcy does not accurately reflect my current credit status and is effectively equivalent to no bankruptcy at all. 

I have contacted Equifax multiple times, providing them with the court order dismissing the bankruptcy. However, Equifax has refused to remove the dismissed bankruptcy, and remain on my report as " dismissed. '' This continued reporting is unjustly damaging my credit score and financial opportunities, misrepresenting my creditworthiness, and leading to higher interest rates and denied credit applications. 

Attachments : 1- Copy of the court order dismissing the bankruptcy.

2- Copy of correspondence with Equifax regarding this dispute.

Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I have received a response from the credit reporting agencies stating that the investigation into these accounts has been completed and deemed accurate. However, my credit report still shows several inaccuracies. 

According to 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of how the verification process was carried out. I request a comprehensive description of all procedures and steps taken to verify the accuracy of these disputed entries. 

Given that these discrepancies persist despite the investigations, I demand the removal of these inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
About a month ago, I began receiving repeated emails, text messages and phone calls regarding a debt collection of a debt that I do not owe. It for the same company, XXXX XXXX XXXX, that started harrassing me last year under the name XXXX, that I submitted a complaint about on XX/XX/year>. Now the company is calling itself Halsted Financial. I don't owe this debt and I want the calls and messages to stop. I don't want any backlash on my credit report either. Cease and Desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: OH

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I am Filling this Complaint Against credit report agencies transunion, XXXX and XXXX As I see false information on my report is being commingling which can be assumed as fraud Pertaining to XXXX  Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which XXXX, transunion and XXXX provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off Truist account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer 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 2024-07-29 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: FL

Complaint narrative:
I am Filling this Complaint Against credit report agencies XXXX, XXXX and experian As I see false information on my report is being commingling which can be assumed as fraud Pertaining to Truist Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which Experian, XXXX and XXXX provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off Truist account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer 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 2024-07-29 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: MI

Complaint narrative:
My account with XXXX XXXX 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 in XXXX to be removed. 

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. 

XXXX XXXX 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!

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 2024-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
Subject : Pending Refund Issue Dear Target Executive Department, I am writing to let you know about the pending refund issue. Despite sending multiple emails and conversing with your representatives via the online chat feature, I am still waiting to receive confirmation of the refund process or the issuance of refunds. I was assured that the refunds were either in progress or already processed. 

It has been several days since these assurances were made, and I am still waiting to receive updates or confirmations regarding the refunds. Furthermore, subsequent follow-ups have yet to yield any new information. 

I would like to know why the refunds have not been correctly credited to my account, especially considering that all returns have been duly confirmed on your end. 

The tracking numbers and corresponding amounts for the pending refunds are as follows : Tracking Number XXXX - Order Number XXXX - Envelopes returned {$1.00} Tracking Number XXXX - Order Number XXXX - Soaps returned {$6.00}, {$6.00}, {$4.00} Tracking Number XXXX and Tracking Number XXXX - Order Number XXXX - {$5.00}, {$8.00}, {$5.00}, {$5.00} Order Number XXXX - Tracking Number XXXX - {$10.00} Order Number XXXX - Tracking Number XXXX - {$9.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$3.00}, {$4.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$14.00}, {$6.00} Order Number XXXX - Tracking Number XXXX - {$7.00} Order Number XXXX - Tracking Number XXXX - {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX - {$20.00}, {$15.00} Order Number XXXX - Tracking Number XXXX - {$24.00} Order Number XXXX - Tracking Number XXXX - {$6.00}, {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX, XXXX - {$5.00}, {$3.00}, {$5.00}, {$3.00}, {$2.00}, {$9.00}, {$3.00}, {$6.00}, {$3.00}, {$5.00}, {$4.00}, {$12.00} Order Number XXXX - Tracking Number XXXX - {$15.00} Order Number XXXX - Tracking Number XXXX - {$3.00}, {$2.00} Order Number XXXX - Tracking Number XXXX - {$14.00} XXXX look forward to your prompt attention to this matter and await your response regarding the status of the refunds. 

Thank you so much for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had extensive dental work done 2 years ago. I took a loan from XXXX at 0 % interest. I paidee {$350.00} dollars a month on a {$190.00} payments which I put on automatic payments and I just forgot about it. Looking over my bills yesterday I saw that I have been charged well over {$4000.00} in interest. The rate is exorbitant and unfair! I would never have agreed to pay this interest rate. Buyer BEWARE!

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 2024-07-29 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, You have willfully and negligently failed to comply with the FCRA requirements by continuing to report inaccurate, incomplete, or unverifiable information and failing to DELETE such information. Please see the attached dispute notice, along with a copy of my recent consumer report. The report includes the disputed inquiries and the inaccurate, incomplete, or unverifiable information that appears on my Experian report, which I have highlighted/circled for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308

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 2024-07-29 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 non-monetary relief
Consumer complaint received 2024-07-29 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 explanation
Consumer complaint received 2024-07-29 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: OH

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