vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: NY

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 XXXX XXXX XXXX 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 2024-04-11 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: NY

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 XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I deposited a cashiers check mid day on XX/XX/XXXX for $ XXXX. The bank told me they would put a hold on the entire check until XX/XX/XXXX. I called to have a portion of funds released and they advised I had to call on XX/XX/XXXX and when I did they said they will not release any funds. I am currently over drawn and they are charging overdraft charges, while they have the money. I believe a full hold for 7 days on a cashier check is not a fair banking practice. This was an inheritance and my siblings had a four day hold and access to {$10.00} XXXX the first day. 
I gave XXXX a Bank of America preferred customer for 23 years. They have said that it is standard practice which I highly doubt. I believe hold deposits for that amount of time is abuse of customers money

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 2024-04-11 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:
UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS IN MYA XXXX REPORT. 

EQUIFAX XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX, I opened a charge card with Ann Taylor. Suddenly, in XXXX Ann Taylor contacted me for a late payment for an order that I never purchased. I told Ann Taylor that this was a fraud and I asked them to close my account right away because I didn't receive any items of this order and I never made any purchase for the order. Then, Ann Taylor kept calling me and asking me to make the payment for the order. They called me so many times and they even called my family in Texas to ask my family to make this payment. They wanted me to make a payment of {$2400.00} including the original amount of {$11000.00} and the fees for the past due dates. They called me and my family so many times although I kept telling them that this was a fraud and I didn't make any purchase for this order. I didn't receive any items from this order. My family and I were so tired of this and on XX/XX/XXXX, Ann Taylor called my brother in Texas and asked him to make the payment for me. My brother added me to the phone conversations with Ann Taylor. I was so tired about this and I told them that I was willing to pay the original amount. Ann Taylor agreed that I only needed to pay the original amount and waived all past-due fees/interests. On that day ( XX/XX/XXXX ), my brother made the payment of {$110.00} to Ann Taylor. Then, I didn't receive any calls from Ann Taylor for 5 months. Right after 5 months, Ann Taylor called me to ask me to make the payment for the past due fees/interests. They asked me to make a payment of more than {$2000.00} for the fee/interest. I refused to do that because I already made the payment for the original amount for the order that I never purchased and received. They kept calling me to ask me to make this crazy payment. Finally, I requested them for me to speak with their CEO. They told me that they would discuss with their manager  and would get back to me on this. They never got back to me on this and later, I recognized that they sold my debt to XXXX XXXX XXXX, a collection agency, with {$1700.00} past due. I refused to pay the collection agency for this {$1700.00} past due because I paid the original amount of {$110.00} right after my brother and I discussed with Ann Taylor on the phone resolving the issue with this order. During our conversation with Ann Taylor, they agreed that I would make the payment for the original amount and they would waive all past due fee/interest for an order that I never purchased and I reported this fraud to them. As of today, in my credit report, I still see a collection with XXXX XXXX XXXX with a balance of {$1700.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
I have recently obtained my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. This information is adversely affecting my XXXX report, and I request immediate correction. I expect your investigation to be completed within 30  days. Following your investigation, please furnish me with an updated credit report and the contact information of the individuals involved.. The details I am disputing are as follows : XXXX XXXX XXXX and XXXX 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 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am not liable for this debt with Portfolio Recovery Associates LLC. I did not have a contract with Portfolio Recovery Associates , LLC. I sent a certified letter requesting that Portfolio Recovery Associates LLC validate a debt they've been claiming I owed them and to cease and desist from inaccurate reporting and debt collection. They did not provide me with the original contract as I requested. They have violated sections of 15USC 1681 ( e ) ( n ) ( o ). They claim they've investigated and verified the debt to be valid but have yet to produce one single signatory document or contract that validates their claim. Furthermore, Portfolio Recovery Associates , LLC has openly admitted in their communication that they have purchased my personal information, which does not grant a " third party '' to do so, under 15 USC 1692 ( a ) Abusive Practices. Portfolio Recovery Associates LLC has also violated 15 USC 1692f ( 8 ). This company violates the False Claims Act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Once again I disaffirm any alleged agreement or contract between me, and Portfolio Recovery Associates LLC. Again, PRA does not have permission to acquire my personal information, only the original creditor. I am the original creditor and I never gave you permission. I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-11 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: LEXISNEXIS
State: GA

Complaint narrative:
LexinNexis- is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA . Which is false. 
I have attached a letter from the U.S. BANKRUPTCY COURT XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
XXXX, XXXX, and XXXX are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate. 
I would like for you to have them take this unvalidateable information off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
I have recently obtained my XXXX XXXX  report from your bureau and wish to dispute the completeness and accuracy of certain information. This information is adversely affecting my XXXX report, and I request immediate correction. I expect your investigation to be completed within 30 days. Following your investigation, please furnish me with an updated XXXX report and the contact information of the individuals involved.. The details I am disputing are as follows : XXXX XXXX XXXX and XXXX 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Entered into a reduced payment plan agreement XX/XX/XXXX of XXXX and have paid as agreed from XX/XX/XXXX until XX/XX/XXXX. The agreement was pay {$99.00} electronically every month and my interest would be reduced to 6.50 % if paid as agreed. 
XXXX XXXX reports as 120 days late to all credit agencies from XXXX XXXX. 
This is incorrect. This is not in the agreement. I have paid extra more than the agreement many months. I have paid as agreed. I ordered the last 12 months statements from XXXX and the statements reflect this. XXXX refuses to acknowledge my dispute which I sent XXXX XXXX with signature. XXXX denies my dispute to credit agencies. Still reporting 120 days late from XX/XX/XXXX- until XX/XX/XXXX. I asked them to report as current for those months because I paid as agreed per the agreement they sent in writing.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Entered into a reduced payment plan agreement XX/XX/XXXX of XXXX and have paid as agreed from XX/XX/XXXX until XX/XX/XXXX. The agreement was pay {$99.00} electronically every month and my interest would be reduced to 6.50 % if paid as agreed. 
XXXX XXXX reports as 120 days late to all credit agencies from XXXX XXXX. 
This is incorrect. This is not in the agreement. I have paid extra more than the agreement many months. I have paid as agreed. I ordered the last 12 months statements from XXXX and the statements reflect this. XXXX refuses to acknowledge my dispute which I sent XXXX XXXX with signature. XXXX denies my dispute to credit agencies. Still reporting 120 days late from XX/XX/XXXX- until XX/XX/XXXX. I asked them to report as current for those months because I paid as agreed per the agreement they sent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Entered into a reduced payment plan agreement XX/XX/XXXX of XXXX and have paid as agreed from XX/XX/XXXX until XX/XX/XXXX. The agreement was pay {$99.00} electronically every month and my interest would be reduced to 6.50 % if paid as agreed. 
XXXX XXXX reports as 120 days late to all credit agencies from XXXX XXXX. 
This is incorrect. This is not in the agreement. I have paid extra more than the agreement many months. I have paid as agreed. I ordered the last 12 months statements from XXXX and the statements reflect this. XXXX refuses to acknowledge my dispute which I sent XXXX XXXX with signature. XXXX denies my dispute to credit agencies. Still reporting 120 days late from XX/XX/XXXX- until XX/XX/XXXX. I asked them to report as current for those months because I paid as agreed per the agreement they sent in writing.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern Maam/Sir, I am writing to complain and request that all debt collectors listed below cease further and all communication, to all three credit reporting agencies Experian, XXXX, and XXXX per the provision in 15 USC 1692c ( c ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cont 'd attempts to collect debt not owed Thank 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 2024-04-11 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance : {$5300.00}

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief