vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
I am the victim of identity theft. The identity theft was discovered and investigated by XXXX XXXX Police Department, the person who stole my identity was prosecuted and found guilty of the crime. I reported the identity theft to Experian on XX/XX/XXXX, the same day that police notified me that my driver 's license and mail were found in the possession of a person unknown to me, who was arrested. Experian placed a fraud alert on my credit report at that time. 
I provided Experian with a copy of the Witness Statement Report ( which states the case number, detective 's name and badge number, the date and timestamp, the perpetrator 's name, the report, and my signature ), a copy of the identity theft report made to the Federal Trade Commission, a copy of my driver 's license and a current utility bill ; furthermore, I have provided all of this information at least twice. On XX/XX/XXXX, a fraudulent XXXX account with a balance of {$2500.00} appeared on my credit report, and I disputed the account online immediately then followed up with a call to Experian identity restoration. At that time, I was asked for the same documents I already provided, which was frustrating but I provided the documents again. I then reported the fraud to XXXX online. Today, Experian sent me a long, confusing email asking for excessive information ( which I have already provided. ) Experian also implied that because the FTC identity theft report is an online report, that it is not sufficient as an identity theft report, even though I have also provided the official report. My rights as a crime victim and the victim of identity theft are being violated.

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 2025-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received my XXXX XXXX XXXX statement from Comenity Capital Bank in the amount of {$52.00}. I wrote Check # XXXX and mailed my payment to XXXX XXXX XXXX, XXXX TX XXXX. On XX/XX/XXXX, XXXXXXXX  received my check and processed it as if it were a debit card payment by ACH. They then destroyed my check so that XXXX XXXX XXXX can not provide a copy of the front and back of Check # XXXX. The money was deducted from my checking account and cleared the bank. The transaction shows on my bank statement. On XX/XX/XXXX, XXXX XXXX provided a Trace Number XXXX. XXXX XXXX XXXXXXXX will not acknowledge payment received and will not apply the payment to my account ending in XXXX. I opened a Dispute with them and provided proof from XXXX XXXXXXXX XXXXXXXX On XX/XX/XXXX, XXXX, the XXXX XXXX XXXX representative, XXXX XXXX, even stamped the proof of transaction with his bank stamp providing employee credentials. He also provided two of his XXXX XXXX business cards. His phone number is XXXX, and email is XXXX. Today, XX/XX/XXXX, XXXX  - XXXX still does not show payment applied to my account. In fact, they insist I need to provide a copy of the front and back of the check and will not accept a bank statement or bank transaction proof. They continue to claim that I did not pay this bill. If I did not pay it, XXXX XXXX XXXX  would not have transaction details in their system. Clearly, the money has been deducted from my checking account. I have done nothing wrong. I paid the bill on time, right away after I received it. I have been calling XXXX XXXXXXXX to resolve this, yet they continue to give me the run-around insisting that I did not make this payment. Their phone number is XXXX. I mailed my bank proof to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I opened a claim with XXXX XXXX XXXX, Claim # XXXX. How can I get this matter resolved?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: WA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: CT

Complaint narrative:
I recently reviewed my credit report and discovered an unauthorized account under the name West Creek Financial XXXX XXXX XXXXs that I did not open, authorize, or have any knowledge of. This account was fraudulently added to my credit profile without my consent. 

The account details are as follows : Creditor : West Creek Financial XXXX XXXX XXXX  Date Account Opened : XX/XX/year> Date Account Closed : XXXX XXXX XXXX  Monthly Payment : {$0.00} Term : 12 Months Original Loan Amount : {$1700.00} Account Type : Lease Lender Information : West Creek Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX I have never applied for or agreed to any financing or loan services with this company. Given recent data breaches affecting XXXX  of consumers, I believe my personal information may have been compromised and used to fraudulently obtain credit in my name. 

I am disputing this account as identity theft and request immediate removal from my credit report. 

Please investigate this matter promptly and provide me with any supporting documentation related to this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuit to FCRA 605B ( 15usc 1681c-2 that XXXX XXXX credit reporting agency and Equifax agency Block information appearing on my consumer credit report that is the result of identify theft and fraud within four business days.You are receiving this complaint this fraudulent and inaccurate and false information consist of a personal credit card with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have resulted in several fraudulent, hard inquiries and fraudulent collections apparent on my consumer credit report. Ive attached a list of the hard inquiries and question as well as a copy of the consumer FICO credit report maintained by me which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections apparent on my consumer credit report maintained by me, was not open by myself all of the aforementioned accounts are the result of identity theft and fraud. Ive attached a copy of my FTC identity theft criminal complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts collections inquiries are the result of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Ordered a saddle from XXXX XXXX for a trial, saddle price was {$4300.00}. Used Affirm to order the saddle for trial but it didnt fit. XXXX it the same week expecting a full refund but I was only refunded the amount minus {$300.00}. Spoke to XXXX XXXX XXXX owner and she told me that Affirm does not refund their 5.99 % interest on the loan even if the item is returned. I was Not aware of such a predatory practice or I wouldve paid another way. XXXX XXXX XXXX XXXX so bad they refunded me {$100.00} of the shipping fee. I have tried repeatedly to contact Affirm as they state I still owe them {$200.00}, which I have told them I should Not owe because the saddle was returned in a very timely manner. I told them I was not going to pay interest on an item I no longer had, and they should waive the fee. They Deny charging interest on the item, I believe they charged the seller and she had to charge me the interest because it was not returned to her. 

I have bought items through affirm before, always paid promptly and have exceptional credit rating. I feel this is a predator if not downright illegal thing to do as I was not made aware of this at time of purchase or would not have proceeded as there was a good likelihood that it would have to be sent back due to poor fit I dont want to see anyone fall prey to this deceptive practice and I dont want them damaging my credit by reporting it. I really feel this practice should be halted and my account wiped clean of interest on an item that I sent back. Please advise Found this now If you pay with Affirm and return a saddle from a trial, an additional XXXX  % ( the Affirm processing fee ) of your order total will not be refunded. Affirm no longer refunds their fees when a refund is processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Experian regarding serious discrepancies in my credit report and their failure to adhere to the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my Experian credit report, I discovered that my rental account with XXXX Communities ( Account Number : XXXX ) has been inaccurately reported as " Closed/Never late '' when I have consistently made timely payments. The account was opened on XX/XX/XXXX, and as of XX/XX/XXXX, it shows a status of " Paid, Closed/Never late. '' This status update is misleading and raises concerns about the accurate representation of my credit history.

According to Section 609 ( a ) of the FCRA, consumer reporting agencies are obligated to disclose all information in a consumer 's file upon request. Furthermore, Section 607 ( b ) mandates that these agencies follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Experian has failed to comply with these legal requirements, and as a result, I have been adversely affected in my access to credit and housing. 

I have reached out to my rental company, and they are currently conducting an investigation into this matter. However, I believe that Experian 's unethical practices persist, as evidenced by the CFPBs recent lawsuit against them for sham investigations of credit report errors. This ongoing issue reflects a systemic failure on the part of Experian to conduct thorough and fair investigations into consumer disputes. 

I urge the CFPB to take immediate action against Experian for their continued violations of consumer rights and to hold them accountable for their practices. Consumers deserve transparency and accuracy in their credit reports, and it is imperative that organizations like Experian adhere to the laws designed to protect us. 

Thank you for your attention to this matter. I look forward to your prompt response and action regarding my complaint. 

Sincerely,

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I'll start by stating, I rarely use " XXXX '' alone on any of my credit cards or paperwork, I use my middle name or combination of my first and middle name initials. 

I have sent four letters to Midland Credit Management , Inc. and one to XXXX XXXX XXXX  regarding the collection of debt from XXXX XXXX XXXX. 

Received a call in spring of 2024 asking my name, I said yes, and then was attacked for not paying a credit card that was supposedly in my name. The address was XXXX, XXXX, which I have never resided. The caller was very aggressive at first until a woman took the call over and said they wouldn't call me anymore. 

Began getting collection letters from Midland Credit within a few months. I have written three letters to them disputing the collection for reasons listed below.

The fact that I have never lived anywhere but in Oklahoma. I have a very good credit score and pay my debts on time, should be proof enough that this is not me. 

Furthermore I have requested in each letter for the original credit application to prove that it is not me. They have yet to provide that information.

With this on my credit report it has dropped my credit score. 
I also belive that they did a search for that name, found my social and stuck the debt to me. 

I have also reported it to XXXX XXXX, and all three credit bureaus. They continue to not look at the details and side with the collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Date opened : XX/XX/XXXX Balance XXXX Total Balance {$920.00} as of XX/XX/XXXX Packet Balance {$1800.00} as of XX/XX/XXXX Original balance {$650.00} Ive file a dispute 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 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
A foreign collector threatened me. Would not allow me to speak to XXXX to resolve or dispute. I asked the debt? XXXX XXXX! I called att they told me their computers were compromised and it was a dish network bill. I told hem I never had dish network and do not even know what that is. They sent me a letter about the data breach. I notified XXXX and XXXX but they refused to remove the false claim. This debt is just over the filing allowed XXXX XXXX! The sunrise credit refused to send me documentation and I never received any bills. This debt just appeared 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Aperrently I have an account with citi bank that was closed in 2021. It's has a partial payment of {$2400.00}, which I paid last year XXXX XXXX. I was told to wait 30 days but when I waited nothing changed. I sent proof of payment to chexsystem and was told my receipt was frivolous or irrelevant. Citi bank refuses to update my status & the branches can't do anything ( I've tried ). My consumer id 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 non-monetary relief
Consumer complaint received 2025-02-05 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:
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 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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I got a letter in the mail that my bank is trying to collect debt that I never authorized. My card was blocked meaning it was not allowed to be used and they still let transactions go through the debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
My account with 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 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.

TARGET/TD 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! 

Delete the late payments 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 non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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