vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-09 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: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has also no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX XXXX XXXX shows on my credit report in the amount of {$260.00} dollars. Ive never heard of nor done business with this company or XXXX XXXX XXXX. I have been with XXXX XXXX for well over 20 years. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX is the only company services that Ive used.

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 2024-05-09 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 just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-09 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:
I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-05-09 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:
I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-09 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date XXXX 2024. Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for understanding and your prompt action.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I postmarked an envelope with a check on Monday XX/XX/XXXX from XXXX, CA to XXXX, TX. XXXX was not posted until Sunday XX/XX/XXXX, a non-business day that was also one day after my payment due date. I found this very unusual and called to request an explanation, but was given none. 
I spoken to customer service agents multiple times over XX/XX/XXXX to XXXX. The company only offered in a deceptive matter to take care it but as I listened to their offer, using deceptive wording, they were only offering to split the late charge with me. That is not acceptable to me. They have refuse any request to file a complaint internally. Ive also been hung up on by agents for requesting assistance to file an internal complaint. There is a consistent pattern where every agent says there is nothing they can do to resolve this or to help me file a complaint. This bank needs to reform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 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: MD

Complaint narrative:
I have asked all XXXX credit bureaus to investigate account XXXX # XXXX because I noticed multiple inaccuracies on the account. They all responded and said there was no changes needed. I asked for a re-investigation, where XXXX deleted the account due to the inaccuracies but XXXX and equifax have both just updated the accounts. I then created another dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. XXXX and equifax simply updated the account, by changing the payment history to not showing the charge offs. The information is still inaccurate when pulling my credit report, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off XXXX time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly investigate. I am demanding an immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian been trying to get me to pay for there membership for months now. I had the free report from experian for a few years now. I'm now look out of the free report from experian because they have remove the free report of my profile and they are trying to make me get the pay report for XXXX per month. I just got off the phone with them and they said they cant do nothing right now for me to call them back in 4 to 6 hours. I inform them that i will be filing a former complaint against experian this morning.

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 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I missed the XXXX and XXXX Payments for my loan. On XX/XX/XXXX I recieved an email from XXXX stating " Your Personal loan is currently XXXX days past due, with the amount of {$530.00} needed to bring it up to date. '' I logged in and paid {$550.00} on XX/XX/XXXX. A few days later on XX/XX/XXXX, I logged in and paid the {$370.00} ( normal monthly payment ) XXXX days ahead of the XX/XX/XXXX XXXX date. 

Today i received a call from XXXX saying that i am still 30 days behind and need to make a payment of {$360.00} ASAP in addition to the XX/XX/XXXX payment of {$370.00}. 

I explained the email i received to the rep on the phone. They said that i had missed XXXX payments totalling {$740.00} and that i only paid a portion of that. So when i made the XX/XX/XXXX payment it covered the remainder of the outstanding payments instead of covering the XXXX payment. 

Online banking also does not show the outstanding amount of {$360.00}. The rep said that online banking will always show the full monthly payment not what is actually owed. 

Online banking also shows no late fees or any fees on the 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 explanation
Consumer complaint received 2024-05-09 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: MD

Complaint narrative:
please delete the following accounts and inquiries. i ent a dispute regarding this account and inquiries why it's still reporting in my report? please delete 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 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 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 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 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 2024-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: MD

Complaint narrative:
In XX/XX/2023, I responded to an offer from XXXX XXXX for internet and television service at my home. The technician eventually came to my home, after the fiber optic line had been installed to the outside of my home. 

Upon arrival, the technician cut the cable that had been providing my service from XXXX. He then came in and attempted to install the XXXX modem inside my home but could not get a signal necessary to provide service. He offered to come back but I explained that I would be on vacation for XXXX weeks and the dates he provided wouldn't work for me. He told me to leave the equipment and the signal issue would be repaired remotely and should be working when I returned XXXX weeks later. At this point, I was not aware the technician had cut my XXXX line. I had to call XXXX back and have a technician come out to repair the cut line, which he did haphazardly. 

When I returned from vacation, I noticed green lights on the modem and assumed there was a good signal. When I called XXXX to activate service, the price I was originally quoted was not the price I was given during activation, so I told the agent I was not interested, and they could come pick the box up. I was then told that I needed to mail the box back in, so I agreed and was sent return instructions on XXXX XX/XX/2023. I returned the equipment, and it was received on XXXX XX/XX/2023. 

Regarding the alleged past due balance of {$24.00}, I am not sure what XXXX was trying to charge me for since I never had service activated. In fact, I was on vacation the first XXXX weeks of XXXX and did not attempt to active service until after XXXX XX/XX/2023. Another error I noticed is a charge for {$7.00}. XXXX for XXXX XXXX XXXX when the itemized bill clearly states that amount as a, " multi product discount ''. Finally, the {$90.00} phone equipment charge relates to the equipment that was clearly returned and received by XXXX. 

I have made numerous attempts to resolve this issue with XXXX and have spoken to agents there via phone at least XXXX times. Each time I was assured the issue would be handled and that I would receive a return phone call verifying it was addressed. This never happened. 

XXXX final comment I have is that I am now being harassed by the collection company. I received a call at XXXX this morning ( XXXX XXXX ) from phone number XXXX, during which a rude agent attempted to collect this alleged debt. My dispute letter, which I downloaded from this website, clearly stated that I was not to be contacted. 

Thank you for looking into this issue for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Money sent via XXXX thru Chase bank account. Sent to wrong phone number in error. Bank denied the claim and refuses to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
First Heritage Credit Loan was payed off on XXXX XXXX, 2024. I considated XXXX loans off my credit report because the instrist rate was high. First Heritage was XXXX of them. the other XXXX loan are showing payed off with a XXXX balance. First Heritage is still showing the XXXX balance even thou it was payed off XXXX days ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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:
Experian deleted an XXXXXXXX XXXX  account on my credit report as a result of Fraud. Then they stated that the creditor verified the information and reinserted it back on my credit report because it was verified. I spoke to a representative of the company and they stated that they can't do anything to remove the account nor dispute the inaccuracies on the account because the creditor verified the information. This was disheartening because my cousin stole my identity and it shows me that Experian does not value the consumer s they are making money on and they see the person reporting the information 's opinion as absolute. I question is how did Experian verify the account is accurate with XXXX XXXX when the last time the payment history updated was in XX/XX/XXXX when the dispute occurred in XX/XX/XXXX. Experian is in violation of USC 1681i ( a ) ( 1 ) because you did not conduct a reasonable reinvestigation within the 30 day period. You also reinserted the account without properly notifying me within 5 business days. The account is also in violation of 1681e ( b ) because Experian did not follow procedures to ensure maximum possible accuracy of the account. I will not cite all the violations just in case Experian decides to state that the account is accurate in their reinvestigation and I will have proof to provide my lawyer if we have to pursue litigation. I mailed Experian proof of this as well and received no correspondence. I attached all the documents that I mailed Experian to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 662, which states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account : 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 2024-05-09 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 662, which states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: PA

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.

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 2024-05-09 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
The company is current bank. I was double charged on XX/XX/XXXX. I disputed the charge with my bank. They denied the dispute. I reached out to the company where I was double charged and they stated it was an error but they can not refund me due to the double transaction not showing up. They stated to file a dispute with my bank and they would accept it. My bank denied the dispute and my dispute appeal. I provided proof of the merchant stating I was wrongfully double charged and that I would receive a refund once my bank put it through. My bank stated I could not get a refund due to my dispute reasoning. I put the wrong dispute reason, and now they wont refund me although the merchant stated the charge back was wrong.

Company response to consumer: Closed with explanation