vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Comenity Bank was paid off in full online for all three credit card accounts for XXXX credit card account, Ulta MasterCard and Express credit card all on XX/XX/year>. 
I had not made any purchases on the cards for over a month. On XX/XX/year>, they charged me interest on purchases I had not made, and then on XX/XX/XXXX charged me a late fee. 
I was not contacted that this was done on all accounts. Then on XX/XX/year>, I was charged another interest charge and on XX/XX/XXXX another late fee. I received an email on XX/XX/year>, that these cards were reported delinquent and then Comenity lowered the balance hitting my credit again. 

I called them, although they agreed to refund these fees, they have not updated my credit report reflecting no late pays. This has impacted my credit. I asked for a letter stating they would update my credit, but have not received any letter, and as of today my credit report has not been updated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Upon conducting a recent investigation, I was deeply distressed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

Under the Fair Credit Reporting Act, it is mandatory that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

Attached are copies of all correspondence previously sent to your agency regarding this matter. I urge you to address these errors promptly and ensure that my credit report reflects only accurate and verified information, as mandated by 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 non-monetary relief
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Upon conducting a recent investigation, I was deeply distressed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

Under the Fair Credit Reporting Act, it is mandatory that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

Attached are copies of all correspondence previously sent to your agency regarding this matter. I urge you to address these errors promptly and ensure that my credit report reflects only accurate and verified information, as mandated by 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 2024-06-25 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: DC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I'll preface this by sharing that I have been in dispute with Barclays for over two years for a negative ding on my credit report that was not caused by me. While I hope a new person at Barclays I reading this, I hope this issue can be escalated if there is still no resolution : On XX/XX/year>, I received a notification that my credit score had changed. It had dropped XXXX points from XXXX to XXXX. After examining my XXXX report, I identified the cause as a late payment of {$14.00} on my XXXX XXXX for the month of XXXX. I immediately called Barclays and found out that the missed payment was due to my auto payment being canceledon three separate occasions, WITHOUT my consent. Despite receiving confirmation from multiple agents that I never asked for auto-payment to be discontinued ( this is the sole reason I missed the payment ), they refuse to take accountability.

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 2024-06-25 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: MA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 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: KS

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was XXXX  during the time they claimed I open up the account ( impossible ) i have the documents to proved i was XXXX XXXX and I have no idea who caused the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Sapphire Reserve CC has travel insurance benefit.

Trip cancellation insurance is included in Card Benefit Services.

Submitted Claim to Card Benefit Services on XX/XX/2023. 
All conditions have been met for trip cancellation benefit through Chase.

XXXX statements, travel provider invoices and Chase Reserve card statements showing all payments to travel provider. All criteria have been met to approve this claim.

Card Benefit Services, ( XXXX  ) Claim # XXXX. 
After repeated phone calls from me, they insisted I submit documents again. I have done this 4 times. 
On XX/XX/2023, phone call/XXXX requesting an amended claim, as they did have a total for my claim and/or reimbursement total. 

Cancelled cruise due to medical emergency involving my husband, XXXX XXXX XXXX XXXX {$5700.00} ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$11000.00} to be reimbursed. 
Called again today, told it should be 2 weeks. Received same info last 2 times I have called. 
This will make almost a year for claim to be processed, tired of hearing they appreciate my patience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
The company DID NOT provide me with the following details the name of the courthouse which you verified the information with, the name of the person at the courthouse who handled your request, the address of the courthouse, the telephone number for the Clerk of Court 's office, which document you obtained to verify the bankruptcy, including the reporting agency ( US Court ). and still reporting the information for a bankruptcy they said they verified on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I have been trying to receive the accurate consumer reports with the correct and reflected information since XX/XX/XXXX of 2023. 
I have written and expressed my concerns. The consumer reporting agencies are damaging my right to a fair and accurate report. I have requested that the unauthorized transactions inquiries be deleted. These car have had enough time to obtain the the verification and the proof where I allowed them to report any and all late payments and adding charge offs when theres no late payments. 

I am in need of ALL the accounts to be updated to show as PAID IN FULL/ PAID ON TIME/ and Never late. 
I do not need any credit blanches to be reported as I do not consent to negative reporting. I have requested that the agencies KEEP all my accounts that are on the file as all payments made on time and I need all the payment history to remain on the reports as I need it for my credit files as I had a XXXX before and I was NEVER LATE and No collections as they do not have a a contract and all the consumer reporting agencies are in violation of the law as they have assumed a role that they have no right to. I am also having trouble logging into the app as they have not updated my information and followed the 30 day rule and they are not reporting all my auto loans as PAID in FULL and NEVER LATE. I never missed any payments and the credit card accounts are to be corrected and updated as PAID as Agreed and on time and I need the history to remain on the reports for the months that the account was opened till now if they are reporting it must be as I say and that is to be all current and no negative items. 

I also have marks and items that they are violating the law and each mark is XXXX where do I go to collect those fees for violating my rights and the inaccurate and damaging marks causing me harm. 

Violations Collections 15 usc 1692 Charge offs 15 usc 1601 late payments 15 usc 1666b Hard inquiries 15 usc 1602p I have attached the reports that need to be updated within 4 days.

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 2024-06-25 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: KS

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-25 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Subject : Request for Funds Reinstatement Under Regulation E XXXX XXXX XX/XX/year> Wells Fargo Bank Dear Wells Fargo Customer Service Team, I am writing to request the reinstatement of funds into my account in accordance with Regulation E. On XX/XX/XXXX until XX/XX/XXXX, {$6200.00} was debited from my account without my authorization. This transaction appears to be an error or fraudulent activity, and I am requesting that the funds be promptly returned to my account. I have already filed a claim and got denied ( Claim number : XXXX ) Under Regulation E I must be reimbursed. 
Details of the unauthorized transaction : * Date of Transaction : XX/XX/XXXX - XX/XX/XXXX * Transaction Amount : {$6200.00} * Description of Transaction : It appears to be ATM withdrawals, store and restaurant charges. 
I have already contacted the merchant/service provider regarding this unauthorized transaction and have not received a satisfactory resolution. As per Regulation E, I am entitled to prompt resolution of this matter and the restoration of funds to my account.

Please investigate this matter promptly and provide me with an update on the status of my request. I have also already spoken to your fraud team around a month or two ago and have not gotten a satisfactory resolution.

Thank you for your attention to this matter. I expect a timely resolution and the reinstatement of funds into my account as soon as possible. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NV

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 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:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
From the previous complaint, you didnt try to fix the problem. You stated that my payments were reversed but I never received any of those payment back to my Apple Card saving which I always used to pay my balance. You closed both of my Apple Card Saving account and Apple Card account at the same time.

Company response to consumer: Closed with explanation