vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Negligent to report accurate XXXX balance. Company has not reported since XXXX. 

XXXX account numbers on credit report- inaccurate. 
( XXXX and XXXX ) Agent explained that only XXXX XXXX XXXX. 
Company has not reported accurately since XXXX dur to a system upgrade, reported that they would update with credit bureaus within XXXX hours. Again, inaccurate. 

Request for XXXX balance letter could not be sent via email or system, only snail mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland funding has been reporting changes to my balance either up a few dollars or down a few dollars to keep my account in current bad standing but this account is paid in full and even if it wasn't the balance would not go up or down ( unless paid ) a few dollars at a time it was placed as a garnishment with a fixed amount. All of the Midland funding reports on my credit are inaccurate. These accounts were paid in full with my taxes. The last payment was in XXXX of 2021. They are still reporting that I owe the full amount. I have a letter from them and the judgement saying this debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I tried to explain the extra amount I have included in my monthly payments should have been applied to the principle but the person I was speaking with wanted much more detail. I think they intentionally do that to avoid the loan being paid off early. They keep moving my payment due date out instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft/FraudI disputed this fraudulent XXXX XXXX charge off account on XXXX via Equifax and XXXX XXXX XXXX They did not respond to me and did not correct the issue. I am very upset and Equifax and XXXX XXXX is violation of multiple consumer laws. I have submitted a police report, FTC Report and a letter explaining the laws that were broken. I am demanding that this issue gets correct immediately. If not, then I will be filing a lawsuit and suiting for damages. Please comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I on XX/XX/2021 entered into a fraudulent agreement/contract for XXXX XXXXXXXX XXXX XXXX XXXX the contract had numerous federal violations as seen marked on the contract I also was never given full disclose per federal law I also was never notified of my right to rescind the contract nor was I informed of my right to validate the debt per 15 USC 1692g and I never gave consent for my name to be turned into a fictitious entity as listed and notated in the contract Ally still has not responded to my initial affidavit with a affidavit or rebuttal point point per federal law.

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
My grievance is with CB Indigo who is also known as XXXX XXXX XXXX They are reporting that I have an account with them that has been closed and that I owe them {$610.00} for this credit card. The problem with this is that the card is not mine, I do not and have not ever had any contracts with this company, and when I brought to their attention not only did they continue reporting this negative tradeline to the credit bureaus, but they didn't even bother to respond to my complaint. 

By their failure to respond to my complaint, and correct their erroneous reporting, they are in violation of the Truth in Lending Act 15 U.S.C. 1643 ( b ). This federal law states that the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all the charges to a credit card account. I am not and have never entered into a credit agreement for this account. Therefore, this account must be deleted from my credit report. 

The state of North Carolina also prohibits the actions that CB Indigo has taken regarding this negative tradeline. According to a law review done by XXXX XXXX XXXX ; Authorized user : " Courts have generally agreed that a consumer who has not entered into a credit agreement, but is merely an authorized user on another persons account, is not liable for charges made by the cardholder. Under the Truth in Lending Act at 15 U.S.C. 1643 ( b ), the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all of the charges to a credit card account. '' So again, I am demanding CB Indigo remove the tradeline they are reporting to the credit bureaus under my social security number immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Amending complaint. 

Attached records reflect that Mortgage payments were reduced due to a forbearance. 
Reduced payments were paid within 17- day grace period. Credit Reporting Agencies has these two payments as unpaid. Despite sending proof of payment and speaking to agents via phone, they refuse to update.

Payment 1 was debited EARLY on XX/XX/2022 from XXXX Account ending XXXX for {$92.00} for XXXX payment. 


Payment 2 was debited XX/XX/2022 from XXXX Account ending in XXXX for {$92.00} for 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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX account was paid in full and closed on XXXX. I have sent TransUnion proof of this and they will not correct there inaccurate reporting. Attached is a copy of the email from XXXX that sates " PAID IN FULL '' and a copy of the paid in full contract. I have disputed this account with TransUnion 2 times with the last being on XXXX. I have also attached proof of TransUnion ignoring my request for investigation and stating that they are not changing the inaccurate information. Something really needs to done to enforce FCRA regulation.

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I've been an XXXX XXXX Barclays credit member for over four years. I've never been late on payments and have paid down balances in excess of {$8.00} dollars. My account has been reported 30 days overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XXXX 2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but Barclays informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all three agencies ).

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express card services has been calling the phone number provided every single day. I believe for the most part there was only one phone call per day, but it is every single day without fail. American Express is also using an auto dialer to complete these calls. Every single day when they make their daily call, they always use an auto dialer. When I have answered the calls, after picking up the call, saying hello, there is only silence on the other line, a long period of silence, so I say hello again and then I can hear a click and then someone will begin to speak, without identifying themselves. The multiple times when I have failed to answer their abusive habitual calls, a voicemail is always left on my phone. It is the same exact auto dialer pre-recorded bot voicemail message. Each message is always 42 seconds long. The voice messages also always start off with a period of silence and the robot caller never identifies themselves, other than indicating this is American Express with an important message for XXXX XXXX. I also dont believe I ever gave American Express permission to leave voicemails on the number I provided them containing my full name and I identifying the card servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
The Synchrony Financial company is assessing a late fee month after month after they reversed an XX/XX/2022 {$30.00} late fee due to their system/technical error that triggered a series of misapplied, fraudulent, and predatory assignment of fees to the consumer account. This company also is creating stress in their attempts to coerce payment of inaccurate and erroneous late fees, through intimidation tactics and seeking to cause harm to my character by sharing my private information with consumer reporting agencies Synchrony Financial was contacted on XX/XX/2022. I informed XXXX, the representative of the errors and she stated she would remove the XX/XX/2022 {$30.00} late fee. She was also informed that an erroneous late fee was listed for XX/XX/2022 in the amount of {$41.00} which needed to be removed. XXXX verified that the agreed upon minimum monthly amount was received on XX/XX/2022. She stated the update would not be done until XX/XX/2022 statement date, although the consumer requested an update in XXXX - XXXX hours. Unfortunately, since this notification of error, this company has repeatedly charged and continues to intimidate and use fear tactics to coerce several erroneous late fee payments of {$41.00} for XX/XX/2022, {$41.00} for XX/XX/2022, and {$41.00} for XX/XX/2022, when all payments were provided timely. This company is predatory in their tactics and practices, and has been harassing via phone calls, emails, and text messaging. They seek to intimidate the consumer with communication insinuating reporting to the XXXX XXXX Agencies for the purpose of causing damage to a consumer 's character and credit worthiness.

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 bankruptcy discharged ; XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 
According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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