vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-04 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMENITY CAPITALXXXX XXXX XXXX Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-04 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: LA

Complaint narrative:
I am writing to request the removal of a collection account related to XXXX XXXX that is still appearing on my credit report. This account was previously managed by XXXX XXXX, with whom I reached a pay-for-delete agreement in XX/XX/year>. The debt was paid in full, but the collection account remains on my credit report despite the terms of our agreement. 
Upon attempting to resolve this matter, I learned that XXXX XXXX is no longer in business. Additionally, the current debt collector who took over the account after XXXX closure has informed me that they have no files or records pertaining to my debt. 
As the account has been paid, and the current debt collector has no record of the debt, I respectfully request that you delete this collection account from my credit report. The failure to honor the pay-for-delete agreement is negatively impacting my credit, and I request that it be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
account is reading as charged off. i never received a 1099.

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 2024-12-04 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: PA

Complaint narrative:
account is reading as charged off. i never received a 1099.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-04 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-04 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As a victim of XXXX, my personal information was misused without my consent. I request that these fraudulent items be investigated and removed from my credit report. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy XXXX XXXXXXXX XXXX  : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-12-04 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-12-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Bank of America 's mishandling of my dispute and their failure to provide adequate customer service. 

On XXXX .I submitted a dispute through their online platform and requested follow-up via phone. Bank of America confirmed that someone would handle my issue within five minutes. However, after waiting for over 20 minutes, no one contacted me. Instead, the system automatically disconnected the call, stating that they could not process my request. 

This lack of accountability and resolution has caused significant frustration and inconvenience. As a customer, I expect timely and professional service, especially when dealing with disputes that require urgent attention. 

I am now escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in ensuring Bank of America resolves my dispute and improves their customer service process. 

Thank you for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
They locked me out of my account and I can not access my stocks on robinhood account. Ive provided requested info. They have not responded other than initial generic message. Its been over 2 weeks and I need to regain access to sell my stocks ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally demand that Midland Credit Management , Inc cease and desist all collection activities and communication with regard to the above-referenced account, effective immediately. 

Under the Fair Debt Collection Practices Act ( FDCPA ), Section 805 ( c ) ( 15 U.S.C. 1692c ( c ) ), I have the right to request that you cease communication regarding this matter. I am hereby exercising that right, and I expect your full compliance with my request. 

I also reference XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which affirm that a debt collector must comply with the FDCPA, including ceasing collection activities upon receiving an explicit request from a consumer. 

Failure to comply with this cease and desist request will leave me no choice but to pursue all available remedies, including statutory damages of up to {$1000.00} and compensation for any actual damages incurred due to your noncompliance. That said, I trust Midland Credit Management , Inc will uphold the law and operate in good faith and with clean hands in resolving this matter. 

Please confirm in writing that all collection activities regarding this account will be halted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hall & Ludlam, PLLC
State: OK

Complaint narrative:
XXXX I received the forms that Hall & Ludlam had delivered to me stating they were going to sue me XXXX had a phone conversation with Hall & Ludlam and set up a payment agreement to pay {$100.00} a month until XX/XX/year> when we would revise the situation XXXX I called to make a settlement payment, my proposal was turned down and we agreed that I pay {$100.00} a month until I pay off the debt XXXX I reached out to Hall & Ludlam to make a settlement offer ; was informed that XXXX XXXX was out of the office ; XXXX XXXX stated he would have XXXX XXXX reach out when he was back in the office ; I waited for XXXX XXXX to reach out , in which he never did XXXX XXXX XXXX emailed the balance left to pay XXXX I emailed XXXX XXXX requesting debt validation XXXX I emailed XXXX XXXX for an update XXXX I emailed XXXX XXXX requesting debt validation after failed attempts XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided the remaining balance XXXX I emailed XXXX XXXX requesting debt validation and a balance update XXXX I emailed XXXX XXXX for an update XXXX I attempted to contact XXXX XXXX again, requesting debt validation ; XXXX XXXX responded with the inability to provide information regarding my credit report and that he could only provide the balance that was left ; I responded back stating I was going to try and contact XXXX XXXX once again XXXX I sent another email regarding the validation of debt, informing XXXX XXXX that I was going to report the situation to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank charged late fees on less than XXXX dollar and it went to XXXX  for XXXX XXXX and Victoria secret in late fees. This company is fraudulently charging fees and i refuse to pay this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was depositing {$5300.00} - {$6000.00} cash into a US Bank ATM machine on XX/XX/year>. This was a new machine that accepts upto XXXX bills. I had all {$100.00} dollar bills. The machine malfunctioned and I got a receipt that says A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. 
CONTACT YOUR FINANCIAL INSTITUTION AT THE NUMBER ON THE BACK OF YOUR CARD. 
KEEP THIS RECEIPT. 
I called the bank right away and reported the issue. The person told me it would take 3-5 business days to resolve. When I called again XX/XX/year> to follow up, I was told that there was no case submitted regarding this incident. I had to start the process all over again. Now I was told that It will take 10-45 days. 

I originally brought a check to the bank, but the teller told me they could not accept it because even though it was in US dollars, it was from a XXXX bank. 

Now this happens through their ATM.

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 2024-12-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I was contacted by someone impersonating my employer who directed me to purchase gift cards for clients. Believing the request to be legitimate, I bought the gift cards and provided the codes to the scammer. It later became clear that I was the victim of a sophisticated scam. 

I reported this to American Express, and they initially refunded me the disputed amount. However, after conducting an investigation, AmEx reversed the refund, stating that the charges were not fraudulent because the gift cards were purchased in my name and activated. 

I strongly disagree with this conclusion. While the purchases were technically authorized, they were made under fraudulent pretenses. The scammer manipulated me into buying the gift cards and transferring their value, meaning I did not benefit from the transactions. This situation falls under fraud through deception and should be covered under American Expresss consumer protection policies. 

I have tried to provide evidence to AmEx, but AmEx said they have nothing to do. Despite this, AmEx refuses to acknowledge the fraudulent nature of the transactions and has closed the case.

Company response to consumer: Closed with explanation