vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In 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.

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I had a credit limit of {$24000.00}. I had already paid my entire balance on the account and did not have a minimum payment due. Earlier in the week, I made a large transaction of {$20000.00} on the account. As of today, my available credit is {$3500.00}, with a current balance of {$20000.00}. 

This morning, I made an online payment from my checking account ( the same account I use every month to make payments ) for the full balance of {$20000.00} to pay off the balance as I do every month. Despite having an available credit limit of {$3500.00}, my card was declined when I attempted to make a purchase at lunch today. 

When I contacted customer service, I was informed that the reason for this denialwhat they referred to as a " soft block '' was the pending large payment. I was also told that had I not made the payment, my transaction would have been approved. 

Blocking my account due to a pending payment while I still had available credit makes no sense and feels both unfair and deceptive. I could understand a block if there were pending charges that might have exceeded my limit, but that was not the case. I had sufficient available credit, and the block was imposed not because I was over my limit but seemingly because I was paying off my balance early. This suggests the company acted out of a motive to ensure they would collect interest on the transaction, which is unreasonable and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
I recently discovered inaccuracies on my credit report, including accounts, collections, inquiries, and personal information, which appear to stem from a data breach or fraudulent activity. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to dispute and request the blocking or deletion of accounts related to identity theft or fraud. Additionally, FCRA Section 604 ( 15 U.S.C. 1681b ) mandates that only authorized parties can access my credit file, but these inquiries and accounts were initiated without my consent. 

The inaccuracies include the following personal information : Employer : XXXX XXXX. 
Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect date of birth : XXXX. 
Incorrect current address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Incorrect name : XXXX XXXX. 
Additionally, the following items were added to my report without my authorization : Accounts : XXXX ( XXXX ) and XXXX ( XXXX ). 
Collections : XXXX XXXX ( XXXX ). 
Inquiries : XXXX XXXX ( XXXX ) and XXXX  ( XXXX ). 
Despite my contacting the relevant companies, they failed to provide compliant validation or original proof bearing my signature or electronic authorization. This lack of proper validation violates my rights under FCRA Section 605B and FCRA Section 604, which require that consumer reports reflect only accurate and authorized information.

I am requesting a thorough review of these inaccuracies, removal of all unauthorized entries, and verifiable evidence to substantiate any items claimed to be valid. Failure to address these issues promptly will result in further action to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
I recently reviewed with my credit report and noticed an account that was not reported accurately I had XXXX late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on this date XX/XX/year>. I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

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 2024-12-19 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: MT

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
FCRA violations : XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Open XXXX XXXXXXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$20000.00} Status Closed XXXX XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$0.00} Status closed XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$0.00} Status Closed FCRA violations : inquiries not mine XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX FCRA violation : not my name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Bank debit card used for fraudulent transactions with a chain of food stores in Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX  ; for XX/XX/year>. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I sent a dispute letter through mail, to TransUnion.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX  ; for XX/XX/2024. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I sent a dispute letter through mail, to TransUnion.

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 2024-12-19 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: GA

Complaint narrative:
I recently reviewed with my credit report and noticed an account that was not reported accurately I had XXXX late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on this date XX/XX/year>. I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
I recently reviewed with my credit report and noticed an account that was not reported accurately I had XXXX late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on this date XX/XX/year>. I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In 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.

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 non-monetary relief
Consumer complaint received 2024-12-19 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 am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I ask that the accounts and inquiries listed below be removed from my credit file : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$390.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$11000.00} XXXX. XXXX XXXX o Account Number : XXXX  o Date Opened : XXXX o Amount : {$570.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX o Date of Inquiry : XXXX XXXX XXXX XXXX  o Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : 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 2024-12-19 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial in accurately reporting consumer information. It is payment im perative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX, account number XXXX ], [ XXXX, account number XXXX ], [ XXXX XXXX XXXX, account number XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, If unable to furnish such proof, I demand that these payments be promptl updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
My identity is not being identified by Experian through the XXXX Secretary of State website. Its stating my information does not match. I am having no success in reaching Experian and the website continues to crash.

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 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX Payment On Time Ok / XXXX Payment Ok XXXX XXXX Payment ON Time OK / XXXX Payment Ok The Same Account Have AGO-XXXX Payments On Time OK In Boths reports appears Different Messages So We don't have Due Date always Payment Ok please Repair Them and ACT Fair Credit looking for XXXX XXXX XXXX My Record is 100 % Payments in the last XXXX Years Please Can help me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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 am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-19 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accscient, LLC
State: GA

Complaint narrative:
Collection account from XXXX XXXX with account and a balance of {$1700.00}. 
The original creditor is XXXX  XXXX XXXX Contacted creditor to provide me with more proof on debt. 
XXXX Date XX/XX/year>

Company response to consumer: Untimely response