vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: OH

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 : US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOHELA/DOFED XXXX XXXX XXXX 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 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 2024-09-21 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: CA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00}

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 2024-09-21 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00}

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I submitted a request for debit validation with XXXX, but they did not provide me with proof of validation, and it continues to be on my report. 

{$1600.00} TRANSWORLD SYSTEMS INC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX The XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were charged off.

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 2024-09-21 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 submitted a complaint to experian requesting inaccurate information on my account be removed. They responded that no action was needed because of the information provided was correct. As a consumer I have the right to fair and accurate credit reporting because all banking systems are dependent upon the accuracy. XXXX is violating my rights to such and also violating my rights to privacy by reporting false and fictitious information 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 2024-09-21 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-09-21 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
This is more than XXXX XXXX XXXX and should be deleted. 

XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - {$24000.00} Closed Overview You have XXXX  % left to pay on this loan. 

Balance {$24000.00} Highest Balance $ 45470 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months

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 2024-09-21 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX GA XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Was threatened by XXXX XXXX XXXX to pay a debt or face court/jail time. 

Paid {$3500.00} on XX/XX/year> to pay a supposedly outstanding Bank of America debt. I even signed a pdf document with a letterhead showing a work address : XXXX XXXX XXXX, XXXX XXXX, California XXXX Contact : ( 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 2024-09-21 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: Kikoff Inc.
State: NY

Complaint narrative:
They havent been able to help with this fraudent account its been past 30 days and Ive given them all the documentation they have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions use a third party marketing service to offer cash rewards to customers who use their checking account debit cards to pay certain bills each month. This service appears EVERY time a customer logs into their checking account, to actively induce customers to use their debit card on which Regions earns money. I activated several of these offers in XXXX of XXXX, totaling more than {$30.00}. For example, I was offered {$20.00} for charging my monthly XXXX XXXX subscription to my Regions debit card. After the applicable charges posted to my account, NO credit was received. I brought this to the attention of various customer service personnel at Regions and was told to wait 90 days. It's now been more than 90 days and still NO credit. 

By comparison, I also have a XXXX XXXX checking account and they use the exact same third party marketing plugin on their site to offer rewards to their debit card customers -- same look and feel of the offers window, same fonts, colors -- clearly the same third party service. A month or XXXX after the Regions transactions, I switched my XXXX XXXX monthly billing to XXXX XXXX, it billed to my XXXX XXXX debit card, and I received my $ 20 monthly credit very promptly after the charge posted to my XXXX XXXX checking account. I believe that Regions is engaging in a practice of fraudulent rewards offers that they never make good on, and this could be affecting thousands of their customers.

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 monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I had several conversation with AES/PHEAA regarding this loan, the reply from the company was a blank loan sheet. I've spoken to representatives stating " this is my loan and they have my signature attached to the loan agreement ", I requested the outline of the loan with my signature and was told due to the age of the loan everything was written instead of computerized so this was their only copy. Absolutely, does not make any sense! I've specifiied on many calls this loan is false and they're using previous loans that are already paid in full, and the account number for this is the same numbers used for the paid in full loans. XXXX will not provide me concrete information on this loan and stated " this will affect my credit report ''. The nursing school that's listed on this loan only stayed open for 2 years, criminal activity on Americans just trying to be successful in life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-09-21 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-09-21 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: WY

Complaint narrative:
Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with XXXX XXXX and equifax and have submitted an FTC report with each Complaint.Account name : XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: WY

Complaint narrative:
Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with experian XXXX and XXXX and have submitted an FTC report with each Complaint.Account name : XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.

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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MCM has not responded to any of my letters to remove this my credit I am attaching my dispute letter to this page they have no rights and I don't consent to them reporting this on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have made MULTIPLE complaints against this company ( Venmo ) they have reached back to me unfroze my account now I received an additional Email saying my account is being PERMANENTLY DEACTIVATED and I will not have access to MY FUNDS for up to ( 6 MONTHS )! And this problem is getting totally OUT OF HAND!!! PLEASE HELP I NEED THESE FUNDS I HAVE A FAMILY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( 1.XXXX  accounts # XXXX opened XX/XX/XXXX 2.XXXX account # XXXX opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Reporting as profit and loss with balance and reporting charge off multiple dates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Reporting as profit and loss with balance and reporting charge off multiple dates

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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Called Ulta at XXXX on XX/XX/24 regarding my rewards points as they were not showing up in my Ulta account to be redeemed. These were purchases from companies outside of Ulta using their Ulta XXXX XXXX issue by Comenity Bank where for every {$3.00} spent outside of Ulta I would receive XXXX point. 
The representative told me they would be deposited at the close of the billing cycle on XX/XX/24. They were never deposited. 
Called Ulta again on XX/XX/24 regarding same issue as points are still not posting to my Ulta rewards account. Got the runaround again saying they will be posted at the close of this billing cycle in XXXX. I spoke to XXXX supervisors and sent an email at their request to XXXX with a copy of my statement showing all of my transactions. Eventually after asking for a XXXX supervisor they put me on hold and I waited for an hour and a half for someone to take my call which was never answered. I waited for so long the auto music stopped playing. 
As of today XX/XX/24 I have not been credited for ANY points using my Ulta XXXX XXXX. 
I am VERY disappointed in their lack of customer service. It's like pulling teeth to find any information out.

Company response to consumer: Closed with explanation