vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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 thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: Chime Financial Inc
State: CA

Complaint narrative:
I contacted Chime Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that Chime verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I called and spoke to a credit card representative for my Ulta Beauty Credit Card with Comenity Bank. I paid off my balance and the rep said she could take {$15.00} off the late fee. Once we settled the balance I asked to close my card, first asking " I am all good? I don't owe anything? '' The rep responded " No, you're all good to go! I will close the account. '' A month later on XX/XX/XXXX I received a bill for {$15.00}. I called Comenity and spoke with a rep who said they can't settle a closed account and my only option was to pay. I asked to speak with someone else to make a dispute. My call was transferred to a different department, a Customer Advocate, who said that he could see that the {$15.00} should have been waived, as that is the standard amount of a late fee they take off, and it did appear to be an error on Comenity 's part. He said he would take all my information and his supervisor would call me to verify. I never received a call. 
On XX/XX/XXXX I received another bill this time with a late fee on top of the {$15.00}, totaling {$33.00}. I spoke to three different people when they called that morning to collect payment. XXXX, a customer advocate, answered her phone saying " I am going to disconnect now '' and said someone cold transferred me to her and she can't help me so she was going to end the call. I asked her to make note of my complaint. She did and filed a dispute on my behalf saying that she could see the previous complaint made with the note that it was closed a day later on XX/XX/XXXX. She told me it was unlikely that this issue would be resolved and I should pay the {$15.00}. I asked to be transferred to a supervisor or someone who handles disputes. She said she would not and when I asked " Ok, are you refusing to transfer me? '' She said " Can I put you on hold while I file the dispute and I will transfer you after? '' She then hung up on me. 
I called back and spoke to a different representative, XXXX, who said she understood my concerns. She spoke with a supervisor who said it is obvious that the {$15.00} left on my account was an error and they credited the account and I should not receive another bill. 
On XX/XX/XXXX when I called to check the balance of the account, the balance has now increased to {$36.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX RESPONSE THAT IT IS NOT AT ALL LOGICAL ABOUT WHAT I AM ASKING FOR IN MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
My Apple Credit Card was used unauthorizedly. I disputed the charges, and they were all denied. I have attached all evidence in this complaint. The information shows that the orders were shipped to a California address. From previous response, the Bank stated the Bank confirmed the billing and shipping addresses provided on the Customer 's evidence tie back to the Customer. Which is not true, I have attached evidences showing the shipping address does not tie back to me the customer. 

My physical and billing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX The transactions in question were shipped to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California I have attached the information with this complaint again along with my Nevada Driver License with the sensitive information white out. I hope Apple Credit Card can review the information I provided and return the credit to my account and reinstate my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: VA

Complaint narrative:
I hereby declare that I do not, and have never consented to any contract purportedly established between myself and XXXXXXXX XXXX as there exists NO SIGNED CONTRACT BETWEEN US IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. 

As no such contract exists, between myself and XXXX XXXX I hereby assert that I am not bound by any purported contractual obligations! I hereby demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to any purported obligation with XXXXXXXX XXXX This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action. 

Moreover, I asked several times to provide a written contract between me and XXXX XXXX  but you have the company failed to produce the requested document. I have attached attached the debt validation letter I have sent around XXXX and and several dispute letters via certified mail. 

Account Name XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled out my credit report, and i noticed several derogatory accounts that i never applied for, and they don't belong to me. Therefore, im requesting the removal of these accounts from my credit cause 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NH

Complaint narrative:
Following the statements on the XXXX XXXX XXXX XXXX XXXX  web site, I contacted my loan holders front end to request information on canceling my private student loans due to fraud/misconduct on the part of the school. Through several emails ( which will be provided as an attachment ) I was told that I am denied said cancellation and there is no information to be given ( they said there was none to give ). Again following the statements on the XXXX website I am making this complaint to try and find a resolution. 

XXXX  site referenced : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I have submitted disputes with XXXX regarding their reporting of an incorrect collections account ( National Credit Systems ) on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted and mailed court documents along with my identification documents to verify that they are reporting inaccurate information. I have called to speak with XXXX customer representatives regarding this case on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite calling and speaking with managers and consumer affairs, nothing has been corrected in the reporting of this account. No actions have been taken by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
Never authorized this

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 2024-06-27 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:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2024, I contacted Capital One to request assistance through a hardship program, as I am currently one payment behind on my account with them. Despite my clear explanation of my situation, I was repeatedly transferred between departments without receiving any helpful options. The only solution offered was to make a payment, which I explicitly stated I could not afford to do at this time. 

I informed Capital One that a higher payment was not feasible for me, and I requested alternative solutions such as better terms, a fixed payment plan, a lower interest rate, or the removal of late fees. Despite my willingness to make one payment and arrange a long-term solution, no assistance was provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: PA

Complaint narrative:
I reached out to the original apartment, and clarified that the debt is incorrect. 
The original ledger from apartment includes mistaken charges. 

Collection agency threatened that I must pay incorrect balance, or they wouldn't remove it. 

Collection agency illegally increasing balance of the collections during dispute process. 

Illegally adding interest or fees would be a violation of the FDCPA and could subject the debt collector to legal consequences, including fines and damages payable to the consumer. 

Section 808 Unfair practices : This section lists specific prohibitions against unfair practices by debt collectors. It includes the following : Section 808 ( 1 ) : " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The original lease does not permit for any additional charges. The property manager does not acknowledge any additional charges. 

Attorney is helping us navigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled out my credit report, and i noticed several derogatory accounts that i never applied for, and they don't belong to me. Therefore, im requesting the removal of these accounts from my credit cause 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 2024-06-27 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:
I recently pulled out my credit report, and i noticed several derogatory accounts that i never applied for, and they don't belong to me. Therefore, im requesting the removal of these accounts from my credit cause they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX  Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that XXXX verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that XXXX verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX Customer service on on XX/XX/year> to inform them that my account is still showing as open on my Experian credit report. They state that my account is completely closed. They asked me to contact Experian credit Bureau. I immediately end their call and contact Experian whom informs me that XXXX verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NV

Complaint narrative:
Equifax has been informed by me a few times through disputes that they have incorrect information on my credit report. Each time I was told it was validated. This is the last correspondence before legal action will be made. I have the following accounts on my Equifax agency report that need to be removed due to them being now considered income. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of those accounts have been charged off and through the IRS charged off accounts are seen as income and income is not to be reported on any reports unless I agree or allow this to occur. There is also two accounts in collections XXXX XXXX  two times. They are to be taken off my report for two reasons 1 ) I have no contract with them at all and I informed them that they were to cease and desist. 2 ) With my agreement with the past creditor it states they do not give my information out to third parties. XXXX would be a third party. 
They also did not help in taking off my employment history and at the bottom of their form which I will attach ( I have no collection accounts ). I will also attach the IRS law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
I have tried to send my disputes to the XXXX credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
I listed all the inquiries doesn't belong to me

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