vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XX/XX/XXXX - {$1000.00} Closed XXXXXXXX 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 2024-05-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I mailed a check from XXXX XXXX XXXX ( a third party that I used to take out a personal loan to consolidate my credit card debt into that one loan ). This check was mailed on XX/XX/2024 & was for {$1100.00}. I called Barclays XXXX  Mastercard customer service on multiple occasions, once every couple of days to see if they received my check. Every time, the answer was no. Yesterday XXXX, I called XXXX XXXX to see if they could give me a new check to mail because clearly the original was lost. This is when I was informed by XXXX at XXXX XXXX XXXX that this check was cashed/ deposited by Barclays XXXX  Mastercard on XX/XX/2024. The payment has yet to post to my account. I am now facing late fees. Receiving multiple phone calls a day from Barclays because my payment is past due, & my credit score has TANKED. It is usually in the XXXX or above, IT HAS DROPPED TO XXXX AT ONE POINT & IS NOW ONLY IN THE XXXX. XXXX response is that they will investigate, but it will take 1 to 2 billing cycles ( XXXX days ). I then reiterated to them that I am leaving to go on a XXXX Cruise on XX/XX/2024, & I need this card up & running BY THEN, to which their response was well you can make a minimum payment of {$80.00} to get the card activated again & no longer overdue. I am also ending my lease with my current landlord, my lease ends XX/XX/2024, so I can not afford for my credit score to be destroyed by this company when I am actively trying to find a new place to live. Barclays did give me a case ID # which is : 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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Commenity represents AAA Financial collecting their monthly payments. 
When the transition between these institutions was completed ( XXXX ago ) ; Commenity did not properly transition, notify or send information regarding payments due as the new representatives; seeing the confusion I attempted to pay over the phone. There was no station/agent available to accept my call through the documentation holder ( AAA ). 
I was charged late fees and noted for late notifications. 
Over the entire period since Commentiy has been the collector I have been charged additional late fees recovering some credit. 
Most recently, XXXX 's payment was levied a late fee {$27.00} when I sent a payment on XX/XX/year> for a due date of XX/XX/year>. XXXX XXXX XXXX XXXX to XXXX They posted the payment XXXX Since this transition occured Commenity has used preditory tactics on my account since they are not making the interest charges they contracted for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
West Portfolio Management ( WPM ) has reported on Credit Bureau fraudulent negative credit. violating the California and Federal Fair Collection Act impacting and affecting my credit scores. I have received numerous calls and have informed them of my pursuit of suing the company, they represent as I made a six-month lease contract on a vehicle, and it turned out to be a six-year contract. Most of the contract was not signed by me but by the sales representative who fraudulently signed my name via electronic signature. 
The mentioned company has filed for bankruptcy and closed its business ; therefore, I have been gathering information and finding a way to contact the company WPM represents, in this debt. In a conversation with one of WPM, I asked the representative if I needed to include them in the lawsuit, I was pursuing for the original retail contractor ( XXXX XXXX XXXX ) and her response was yes. 
I have requested XXXX for a copy of the Installment sales contract however they state, they do not have such documents, all they can provide is a history of my payments which it was provided by e-mail. Upon analyzing the history of payments, the document does not provide the total amount of payment already made yet it reflects a total of XXXX paid terms, without cash value which was the total pay I was supposed to do for the six-month contract, furthermore, the history of payment submitted by WPM shows a current balance of XXXX moreover, in a letter they sent me for a special offer it states the balance of such debt is XXXX while on the credit bureau , they reported a XXXX debt. 

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I am filing a complaint against American Express Gift Card Company and American Express Company ( as licensor and issuer of American Express Gift Card ) for unfair business practices, fraud and unjust enrichment consumer financial credit activity.. 

On XX/XX/23, I ordered XXXX American Express Gift Cards totaling {$1400.00} ( with fees ) from American Express Gift Card Company using my American Express Card. Package was delivered by XXXX on XX/XX/23 BIT PACKAGE WAS EMPTY ). Immediately called American Express Gift Card Company customer services. Subsequently I learned from an American Express Gift Card Company customer service supervisor that at least XXXX of the XXXX cards were used on XX/XX/23, THE DAY BEFORE I RECEIVED THE XXXX XXXX ). American Express Gift Card Company claim # is XXXX ( note on XX/XX/23 the supervisor I spoke with told me the original complaint number i received on XX/XX/23, XXXX, was given incorrectly by the original representative ). According to American Express Gift Card Company records, on XX/XX/23, they left I message if I wanted refund or new cards. On XX/XX/23, I called and spoke with rep and told I wanted a refund. No response to my request and on subsequent request for the refund.. 

Since the XXXX cards purchased on my American Express Card, I filed a dispute with American Express XXXX XXXX ). American Express closed the dispute and told me I had to deal with American Express Gift Card Company. I re-opened the dispute telling them I had tried and failed to deal with American Express Gift Card Company. They again closed the dispute and I have had to re-open it several times because they keep on closing the dispute indicating I had to deal with American Express Gift Card Company, It is clear the cards were stolen before I received them and possibly internally in American Express Gift Card Company. Both American Express Gift Card Company and American Express Company have failed in their financial credit responsibilities. And they have not refunded me as they asked on XX/XX/23 and I first requested on XX/XX/23. 

A full history of the situation and my efforts to resolve are in the enclosed document and attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XX/XX/XXXX Account Number : XXXX XXXX Account Number : 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 2024-05-08 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-08 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was given this card as a gift last year, I have tried to use it but my purchases keep being declined. I previously called the number on the back of the card and the representative told me I must go online to register the card. I did that and there is an error message telling me please try again. I called again today and spoke to XXXX different representatives who keep telling me the same thing. The first one told me the only way to register the card was on the website or through the phone, he told me he would transfer me but hung up instead. I called again and the second person told me the same thing, she transferred me and sent me to the same system asking me for my card number and sending me to another representative, this is going on a loop. I talk to the third person and this one tells me the same thing, I am explaining to her what has happened, and mid-sentence she hangs up. This is a scam.

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 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I reached out to OneMain Financial to see what we could do to work out to clear up my past payments. i was advised that I needed to make a XXXX payment for the current month ( XXXX ) and a full payment in XXXX ( paid XX/XX/2024 ). I received a call on the XXXX stating that I was still a month behind. When I advised that this wasn't what we we agreed upon and the calls were recorded it was stated that they would call me back. I received a call on XX/XX/2024 stating that I would either need to refinance my loan or pay another payment. When asked about the recordings, it was never acknowledged or they didn't want to discuss it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-08 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-08 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: MI

Complaint narrative:
Experian is violating my consumer rights. They are fraudulently letting XXXX XXXX XXXX account number XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on Experian for failure to investigate as Im a federally protected consumer. I will also be reporting both Experian and XXXX XXXX XXXX to the IRS filing out form 3949 -A information referral for unreported income since Experian gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. XXXX XXXX XXXX isnt allowed to do business in my state. If the account isnt removed in 30 days, Ill also will be filing to sue both companies for defamation of character. They are making me look non creditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor XXXX XXXX XXXX XXXXXXXX because I havent been able to XXXX XXXX XXXX due to the finally and emotional harm these XXXX companies has caused. I know that XXXX XXXX XXXX pays Experian to report inaccurate information and Experian refused to give me a fair investigation for their financial gain.

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 2024-05-08 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: CA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my XXXX and Experian credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

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