vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: Kriya Capital, LLC
State: AL

Complaint narrative:
I previously requested that Credit Resource Management, LLC provide validation of the alleged debt that they are falsely reporting on my credit reports. I requested proof of the original signed contract between me and the original creditor on XX/XX/year>. Credence Resource Management LLC sent information via mail on XX/XX/year>, that just included a bill from the original creditor. The requested documentation that I requested ( the original contract with the original creditor that bears my physical signature ) was not provided. Therefore, this needs to removed from my credit report IMMEDIATELY as my rights have been violated under the Fair Debt Collection Act ( FDCA ). None of the information that I requested was provided to validate this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: AL

Complaint narrative:
I previously requested that XXXX XXXX XXXX, XXXX provide validation of the alleged debt that they are falsely reporting on my credit reports. I requested proof of the original signed contract between me and the original creditor on XX/XX/year>. XXXX XXXX XXXX XXXX sent information via mail on XX/XX/year>, that just included a bill from the original creditor. The requested documentation that I requested ( the original contract with the original creditor that bears my physical signature ) was not provided. Therefore, this needs to removed from my credit report IMMEDIATELY as my rights have been violated under the Fair Debt Collection Act ( FDCA ). None of the information that I requested was provided to validate this alleged debt.

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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This is all started in late XXXX. I found out that my XXXX XXXX credit card ( Citi Crad ) had fraud charges and I reported them immediately. All fraud charges were disputed and approved to be credited back to me. Then the account was closed. Late XXXX I was cleaning the apps on my phone and I was deleting the Citi Bank app since I no longer had that credit card. I found that the account is still open and had a big balance. I called again and disputed the charges and were approved and I was told it will be closed right away. Even my contact information on the account ( name, address, phone number, and email ) were not correct. They belonged to people in Florida. Because of this my XXXX XXXX dropped from almost XXXX to below XXXX. I kept calling Citi Bank for months regarding that. They kept saying that all fraud charges were accredited back to me and the balance should be XXXX but they didn't know why it's not. Every time they promised they will resolve it but nothing. I filed a police report with XXXXXXXX XXXX XXXX XXXX and the report number is XXXX. 

Last week when I tried to get a loan I was told that there is another credit card ( Wayfair ) which is also managed by Citi Bank. I didn't know about that account. I called Citi Bank and reported the fraud account. Somebody in Florida opened the account using my SSN with their name and address. I never received bills and communications since they were not sent to my address. That credit card had a {$3500.00} limit but it was charged more than {$14000.00} I am not sure how is that even possible. 

I am in continuous communication with Citi Bank to resolve these issues. 

The XXXX XXXX XXXX XXXX secured credit line- {$20.00} I wasn't aware of and I will call and investigate.

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 monetary relief
Consumer complaint received 2024-06-10 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: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my credit score has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by Comenity Capital Bank. 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
There several collection account reporting on my credit report thats not mine

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 2024-06-10 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:
There several collection account reporting on my credit report thats not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
As per IRS regulations, an unpaid charge-off is recognized as income. However, according to the FCRA, income can not be reported on credit reports. I have recently received a 1099-C ( Cancellation of Debt ) for the charged-off account under XXXX XXXX Account number XXXX. Despite this, upon reviewing my latest credit report, I observed that this account is still being reported as a charge-off. It is imperative to adhere to regulations ; therefore, I kindly request the cessation of reporting and the deletion of this account from my credit report. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
As per IRS regulations, an unpaid charge-off is recognized as income. However, according to the FCRA, income can not be reported on credit reports. I have recently received a 1099-C ( Cancellation of Debt ) for the charged-off account undeXXXX XXXX XXXX  Account number XXXX. Despite this, upon reviewing my latest credit report, I observed that this account is still being reported as a charge-off. It is imperative to adhere to regulations ; therefore, I kindly request the cessation of reporting and the deletion of this account from my credit report. Your prompt attention to this matter is greatly appreciated.

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 2024-06-10 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding my multiple unsuccessful attempts to have certain inquiry removed from my credit report. I have made several attempts to resolve this matter, and yet the inquiry in question still remain on my report. This is causing undue frustration and negatively impacting my credit score.

On each of my previous attempts, I followed the appropriate procedures as outlined by your bureau. I have enclosed copies of my prior correspondence and the relevant documentation that supports my claim. Despite my adherence to the correct process, the inquiry have not been removed, and I have not received a satisfactory resolution or explanation. 

I am seeking the following resolution : The immediate deletion of the above-listed inquiry from my credit report.

Written confirmation that the deletions have been made.

An explanation as to why my previous requests were not addressed satisfactorily.

If this matter is not resolved within 30 days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring other legal avenues to ensure my rights are protected. Please help me remove these inquiries immediately : XXXX XXXX XX/XX/2024.

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 2024-06-10 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:
It has been over 30 days since I am writing to ensure Equifax that they have the most accurate information in my credit file at all times. I asked them to please delete the following inaccurate information from my credit file within the last 30 days. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX I stated that they had up to XXXX days to meet my requirements. I also stated that If I do not receive any updates from them during this period, I know that these inaccuracies should be automatically removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXXXXXX XXXX XXXX  needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, Transunion, XXXX and any other furnishes of my personal 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 2024-06-10 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: GA

Complaint narrative:
According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXXXXXX XXXX XXXX  needs to be updated as paid as agreed, NO LATE PAYMENT on Equifax, XXXX, XXXX and any other furnishes of my personal credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX XXXX XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, XXXX, XXXX and any other furnishes of my personal 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 2024-06-10 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: VA

Complaint narrative:
On or about XX/XX/year> i filled out a form on Equifax to see if i was affected by their data breach.It was positive, and in fact i was affected. Equifax committed these violations. 


Violations : 15 u.s code 6801 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 u.s code 6802 E,3a 3b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is asking me to pay a debt that had been resolved in XX/XX/XXXX by CACI, another debt collector. The primary creditor was XXXX XXXX XXXXXXXX XXXX XXXX I refer to you two complaints I filed in XXXX, CFPB XXXX and CFPB XXXX. One was for XXXX XXXX XXXXXXXX XXXX XXXX and the other one was for CACI who claimed to be a creditor for me which was not true. 

I just discovered a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX who claim to be collectors for Cascade Capital Funding LLC, ( CACI ), and identifies the original creditor as XXXX XXXX XXXXXXXX XXXX XXXX 

On complaint CFPB XXXX, CACI stated the following : A conversation took place on XX/XX/XXXX, XXXX XXXX stated insurance had previously paid the debts. At that time, we placed this account in a dispute status and requested XXXX XXXX provide proof of payment to our office for verification. On XX/XX/XXXX, CACi sent notification to credit reporting agencies to remove this tradeline from XXXX XXXX credit report. Should XXXX XXXX have questions or need further assistance, please contact our office directly at XXXX or email us at consumerhelp@caciXXXX On CFPB XXXX, CACI responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Consumer Adjustment Company , Inc. ( CACi ) appreciates the opportunity to address this consumers concerns. After reviewing this complaint, CACi has reached out to our client regarding further documentation pertaining to the two accounts placed in our office. After consideration, the Cascade Capital Funding has requested CACi close these accounts with our office and return to them. On XX/XX/XXXX, CACi closed these accounts in our office. Notification will be sent to credit reporting agencies to delete these accounts from the consumers credit report. Please allow up to 30 days for credit reporting agencies to update their records. Should questions remain, please contact Cascade Capital Funding directly. 

The letter I received on XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX, states very clearly the Current Creditor is XXXXASCADE CAPITAL FUNDING LLC, which is not true because they were attempting to collect 2 debts for XXXX XXXX XXXXXXXX XXXX XXXX. CACI submitted false information to XXXX, XXXX, and XXXX Credit Bureaus claiming that I, XXXX XXXX, owed a debt to CACI. 

I just submitted another complaint with CFPB, XXXX CFPB Complaint Number XX/XX/XXXX at XXXX hours. CACI should be admonished in some way for attempting to collect a debt which they have no right to be compensated for. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Equifax will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is Reporting a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 5 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is XXXX a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section XXXX o XXXX states. I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.

Company response to consumer: Closed with explanation