vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly 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 non-monetary relief
Consumer complaint received 2024-07-02 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly 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 explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OUT TECH, INC.
State: CO

Complaint narrative:
This is about the debt collector Bureau of Account Management in Pennsylvania. In the XXXX  of 2023 I received XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Colorado. I inquired multiple times about my co-pay amount -- in office and over the phone to their corporate office. They had my up-to-date insurance information and on at least three occasions I was told I had XXXX co-pay. In reliance on that information, I scheduled XXXX XXXX XXXX XXXX per my XXXX XXXX XXXX If I had a copay, I would not have scheduled as many sessions ( and truth be told, I wish I could have continued services, but after a few months I began receiving bills for a copay ). 

Despite XXXX 's intentional and/or negligent misrepresentations and breaches of contract ( our contract only covered " estimates '', which this was not, I was repeatedly told there was XXXX co-pay and I would be charged XXXX dollars for their services ), XXXX has attempted to collect {$400.00} from me. The current dispute is over a {$160.00} bill, but there will be a subsequent one for {$240.00}. 

I have repeatedly attempted to settle this dispute with XXXX, and was again told there should be no co-pay and the billing was a mistake. Then I was later sent multiple bills and sent to collections. I notified both XXXX and the collector, Bureau of Account Management ( BAM ) in Pennsylvania, of ongoing legal disputes regarding these bills. 

However, BAM has now sent me a letter stating that they have determined the debt is valid. My understanding is this is incorrect under Colorado law, because there are outstanding tort and contract disputes between me and XXXX. BAM is now threatening my credit score without a legal judgment. Please help. 

I can provide any documents you'd like, although all communications regarding the dispute were via internal systems at XXXX or via the phone. I do not have a copy of the contract with XXXX  ( as far as I know ), but I reviewed it previously and it states only that estimates may be inaccurate. However, again, this was not an " estimate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Good morning! 

I am seeing Forever 21 on my credit report still after 7 years. This was paid in full and it's still on my credit report as a potentially negative account. Here is the info on it : XXXX/COMENITY/FOREVER 21 Account info Account name XXXX/COMENITY/FOREVER 21 Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$150.00} Highest balance {$150.00} Terms - Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX Current : Account closed at consumer 's request. 

This was a credit card that I did pay on time and they lost my payment... which made this a late payment back in XXXX XXXX. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This company violated my privacy and per the FCRA unauthorized inquires such as these can result in statutory damages of {$1000.00} Per violation which is a violation of 15 USC 1681n. See attached documents.

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 2024-07-02 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: NC

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 I am 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 explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
MY DEBIT CARD WAS LOST AND I HAD TO MAKE A CLAME ON IT AND WELLS FARGO BANK PUT THE CLAME IN FOR ME. NOW IM CHECKING MY ACCOUNT AND ITS TELLING ME IT WILL BE CLOSED ON XXXX. IT NOT MY FAULD MY DEBIT CARDS WAS LOST AND SOMEONE USED IT AND MADE FRAUD CHARGES ON THE ACCOUNT, WELLS FARGO GAVE ME THE CREDIT BACK TO THE ACCOUNT & NOW THEY ARE TELLING ME THAT THE ACCOUNT WILL BE CLOSED. IM ASKING THEM WHY & THEY ARE NOT GIVING ME AN ANSWER ON WHY IT WILL BE CLOSED. I HAVE THIS ACCOUNT FOR OVER XXXX AND NOW MY FIRST CLAME THEY ARE CLOSING IT. THIS IS NOT RIGHT WHATS THE POINT MAKING AN CLAME IF ITS GOING TO BE CLOSED. WHEN ITS FEES TAKING OUT THE ACCOUNT WE AS THE COMMUTER NOT HAVE AN SAYSO ON WHATS GOING ON, BUT ITS THE BIG COMPANY THAT CAN DO WHATEVER THEY WANT & GET AWAY WITH IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: 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 and I am 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 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I have an old Visa Vanilla gift card. I called the company to find out if there was a balance and how I could get a replacement since the card is now expired. The number on the card is no longer in their system, I assume because it is expired. They said without the number or the receipt of purchase they can not help me. I asked multiple times how they manage this if someone does not have the receipt ( gift card ) or the number is unclear and/or expired. They refused to elevate this to the next level and also were not able to provide on phone or from their website information on how to request the balance, a refund and/or updated card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I requested the original debit agreement from the company that purchased debit as we disputed the debit. Because the company sold our account to a new company damaging our credit during the pandemic stopping our automatic payments. Next, they called thinking they were discussing the account with myself however they harassed my daughter trying get her to pay the account off. When she informed them there was insurance on the account, and it was sold to another account, and they need to speak with us they hung up on her. Upon calling in to inform them that we need the insurance number due to our house fire they hung up and said it's in collections. This company has failed to provide the information to us for the dispute and racked up high interest rates on our account. Now they offered a payment plan to end all court conflict however they are trying to place a judgement against us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cash tag is XXXX XXXXXXXX So I deleted my debit card on cash app and someone sent me {$120.00} and then my account got closed so I tried to withdraw the money and it said that I couldn't add any new cards and then Cash out wrote me and said that I would have to use the same card ending in XXXX that I just deleted the problem with that is is that I lost that card so I have a new car with a new number but they're saying that I can't add any new cards Now the problem is they won't give me any options to get my money they are making it impossible for me to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX VA XXXX I XXXX XXXX looking over my credit report and found that there are 2 charge offs reporting. This is confusing because I never received 1099 forms for the charge offs. I want the 1099 forms mailed to me and the balance to reflect a {$0.00} balance. The accounts in question are as follows : 1. Account Name : NAVY FEDERAL CR UNION Account Number : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. Account Name : NAVY FEDERAL CR UNION Account Number : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reason : Do Not consent to this private personal information being reported. I am opting out of these accounts being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: CT

Complaint narrative:
I was contacted by a debt collector ( XXXX XXXX XXXX ) for a debt with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX acknowledged receipt of my dispute regarding an automatic renewal that is sent to me by email rather than by postal mail. The dispute was investigated and determined on XX/XX/XXXX. The Result was that I owed {$280.00}. and not the amount of further charges adding up to {$630.00} I sent that amount to XXXX XXXX and I have the cancelled check dated XX/XX/XXXX and deposited by XXXX XXXX on XX/XX/XXXX. I am now receiving a debt collection from a different debt collector ( Client services ) for the same disputed charge claiming I owe the difference ( {$340.00} ). 
Also when I checked my credit score, the past due payments are still on record. My original dispute was sent to Credit Bureau Dispute Verification and XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2024-07-02 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: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed
605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX and Transunion have inaccurate information reporting on my credit file in Transunion and my XX/XX/XXXX application for XX/XX/XXXXXXXX through Transunion. I already called sent a letter to have this information removed they have not removed it yet. XXXX account closed is an inaccurate report. And needs to be removed from my credit file its inaccurate the dates are incorrect the account is incorrect. And Im very upset how Transunion responded and continued to put negative inaccurate informations onto my credit file and this needs to be removed immediately

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 2024-07-02 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: LEXISNEXIS
State: LA

Complaint narrative:
I have inaccurate information on my credit report and I was informed it's due to XXXXLexis Nexis. I requested these accounts with them to be removed as well as my information to be locked a year ago and that has not happened. 

I reached out in XXXX of this year to have alot of information removed from my consumer report and I did not get correspondence back. 

I am reaching out again as this is hurting my credit and has cause my score to decline significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-02 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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-07-02 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: MO

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, that no consent is identity theft : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Please promptly remove this data within 4 business days under 15 USC 1681-c-2 to avoid any further legal proceedingsThank you for your timely compliance.

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