vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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 am submitting a complaint against Experian for reporting fraudulent accounts on my personal credit report after being informed multiple times the accounts are result of fraud. I have provided them with a XXXX Police Department police report, as well as an FTC identity theft affidavit pursuant to the FCRA. 

After each dispute I have completed with Experian, they proceed to send me a letter that states, " the disputed items can not not be blocked due to not providing all pages of an identity theft report '' ( see this letter attached. ) I have provided ALL pages of my police report and identity theft report every dispute however they continue to send me this letter. It is very clear to me that Experian is trying to use stall tactics to complicate the resolution process ; which is very disturbing because I am sure they are aware of the crucial role they play in consumers qualifying for credit, loans and even employment, such as in my case. 

Experian continues to willfully and knowingly violate my consumer rights and have caused me a great deal of undue emotional and financial distress. I was denied an XXXX loan to repair flood damage that occurred in my home due to a storm in my area, I also as denied a promotion with my employer recently due to these errors which infuriates me. I have disputed these fraudulent items since XXXXXXXX XXXX via mail and online. Each dispute resulted with me receiving a letter stating the above mentioned statement from Experian. 

I am stressed and exhausted to the XXXX dealing with Experian. I have submitted an Attorney General complaint in each state Experian has an headquarters, XXXX and XXXX today, as well as this CFPB complaint. I have also escalated my concerns to the the XXXX XXXX XXXX and his XXXX team by email. Taking this steps will be my last and final attempt to amicable resolve this matter. If it is not resolved promptly I will pursue legal action against Experian for violating my consumer rights and causing me a great deal of emotional and financial distress.

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Comenity Bank regarding an application for one of their financial products, Bread Cashback AMEX. I originally received a pre-approval offer that specified that I would receive a {$200.00} cashback bonus after spending {$1000.00} within the first 90 days ; this offer has a link to apply to have the offer applied when submitting the application. 

When I called Comenity bank, after receiving a letter on XX/XX/XXXX, the letter said " We have received your application ; however, we are unable to continue processing your application until you contact us to verify the information provided ''. 

After speaking to the representative, they stated that needed to re-submit the application as information on the application I submitted was incorrect. I asked would this affect the bonus offer, and they replied it would not and I was still eligible for the offer after the account was opened and all requirements were met. 

After receiving the card, I met the {$1000.00} spending amount by XXXX billing statement. I waited the 90 days and was told that the {$200.00} bonus would be applied by the XX/XX/XXXX billing statement, I also received a letter from Comenity stating the same information after opening a dispute resolution regarding not receiving the bonus per their specified terms. Every supervisor and representative said that the account was eligible and that I met the requirements and they all explained that I should have received the {$200.00} bonus offer. 

Since XX/XX/XXXX, I have had an open dispute ticket with Comenity and with no resolution until XX/XX/XXXX, in which the letter states, " Unfortunately your account does not qualify based on the Rewards program parameters established by BREAD CASHBACK ( TM ) ''. 

After call Comenity, the representative stated the note on the account stated that because the offer code on the marketing mailer for the {$200.00} offer was not applied, the account is ineligible. 

I have provided all documentation to Comenity regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-05 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to Capital one to dispute a charge of {$220.00} due to missing my flight with XXXX XXXX, flight number XXXX on XX/XX/XXXX2024, originating from XXXX XXXX XXXX to XXXX Ohio. 
Unfortunately, I was unable to make my scheduled flight due to an unforeseen circumstance where I was pulled aside by TSA for additional screening, resulting in me missing the boarding time. This was beyond my control, and I made every effort to proceed through security as quickly as possible. 
Upon missing my flight, I contacted XXXX XXXX staff at the airport, who informed me that the next available flight would incur a charge of over XXXX XXXX dollars for rebooking. I declined! I also reached out to XXXX which I booked through and everything was credited to the credit card. Because I had to pay for seats separately XXXX refused to refund instead offering me {$220.00} that I asked to be reimbursed through my credit card because I will never book through them or fly with them. My experience was horrible and a lesson learned. After communication with Capital One on XX/XX/XXXX24 they wasted no time rebilling the charges. I then spoke with a representative that was rude and unprofessional. I closed my account and only want the {$220.00} removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express has a protection. Tried to leverage the protection to which they denied. Closed the account on the spot. Made the final payment in full and verified with the customer service rep that I dont need to worry about this account moving forward. They confirmed. 
Then I get a couple emails about statement balances. Assuming it was the forward balance that was already paid off including pending charges. 
They eventually charge me interest and garbage fees that they wont reverse because the account is already close. 

They wont give me any insight because the account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 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:
YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 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 2024-06-05 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:
YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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 info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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 recently review a copy of my credit report and notify I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-05 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: CA

Complaint narrative:
I recently review a copy of my credit report and notify I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

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

Company 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 2024-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Us auto sales sold me a XXXX XXXX XXXX for {$12000.00} more than it worth. After talking to them about this they closed down and now another company takes over. I want my contract redone with the correct value of this car. Im stil owing XXXX for this car and any XXXX knows thats not right. I have a lawyer ready to take them on.

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 2024-06-05 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:
YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
The debt was reported as being opened in XXXX however, the debt was opened in XXXX in XXXX and should be off my credit report however they purchased the account from a different collection agency in XXXX and reported that as the date that that was opened Incorrect these dates are incorrect and they should have expired off of my credit report. It is preventing me from being able to seek XXXX where I live at because this XXXX debt has caused me to lose XXXX separate apartments. It has been bounced around for years now to different collections as a loophole to avoid it timing out after XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all XXXX bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, 6x. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all XXXX bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, 6x. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all XXXX bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, 6x. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.

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