vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
Subject : Dispute of Account Blocking Request Dear Experian, I am writing to formally dispute the recent decision communicated to me regarding my request to block accounts on my credit report due to being a victim of human trafficking. 

On XX/XX/year>, I received a letter from Experian requesting specific documentation, including my driver 's license, Social Security card, proof of address for the past two years, and a recent utility bill. I promptly uploaded all requested documents to your online portal at experian.com/uploads, demonstrating my eligibility for the requested account block. 

However, on XX/XX/year>, I received a letter indicating that my request to block the accounts had been denied. This decision is perplexing, considering the initial letter I received assured me that once I submitted the necessary documentation, the accounts in question would be blocked. 

I have attached copies of both letters for your reference. I respectfully demand that Experian fulfill its promise to block and delete these accounts from my credit report as initially stated. The evidence I provided clearly supports my request, and I expect a thorough review of my case in light of the documentation submitted. 

If this matter is not resolved promptly, I will escalate the issue by uploading my documentation to the Consumer Financial Protection Bureau ( CFPB ) for further assistance. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the blocking and deletion of the accounts in question.

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 2024-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a Victoria secret credit card. I made a single purchase. I paid the balance in full. I then got a call that I owed a balance. The person tried to tell me I made purchases and that was the balance. I checked my checking account and said not possible, I paid the balance in full. The person argued with me, insulted me and I asked for a manager. The manager eventually said I had a late fee. I said not possible, I paid in full on time. I asked for proof I did not pay on time. I also had not received a statement. I keep getting calls but no proof. I believe they decided not to process my payment until late to claim the fees.i have not even activated the credit card and theyre engaging in fraudulent practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-20 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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
During theife of the loan, I took advantage of XXXX extensions that are available. I asked customer service, if I would be able to continue paying my regular monthly payment amount after the maturity date, due to the extensions, and they stated yes. I then stated, ok, so I won't have a large lump sum due at the end, correct? They stated that no I wouldn't. Fast forward to the payment I made this past XXXX, I paid XXXX dollars, like I normally do every month. Apparently XXXX was expecting me to pay XXXX dollars. When I didn't, and the account went past due, XXXX dud not call me, or at the least sent me a past due letter. I verified they have my correct phone number and address. I say this to say, that if they would have bothered to reach out to me, like a normal fina e company dues when you are past due, I would have had a chance to settle the account, before going over XXXX days late. This was very preventable, if XXXX only made an attempt to reach me and attempt to collect the past due amount, but they didn't, they met it sit there and go past XXXX  days late. Not good business! I always paid my account well and on time, and the only reason, I didn't pay the XXXX dollar amount was because, again, I was advised by XXXX customer service, that I could continue to pay my regular payment amount until the loan was paid off, but obviously that was not the case. Even after that, again, if they had sent me a final bill in the mail, a past due notice, called me, Etc... this gets taken care of way before the XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AZ

Complaint narrative:
On XX/XX/XXXX I received notification that a late payment was reported to my credit report. XXXX took a hit more than XXXX and Equifax XXXX. I contacted the lender XXXX XXXX XXXX XX/XX/XXXX and the representative said I dont show no late payments on their end and that they didnt report a late payment to which I stated thats credit reports show XXXX XXXX as the reporting lender. The representative sent me a copy of my payment history stating I was never late more than XXXX  days. My car was declared total by insurance. 
XXXX financial received payment : XX/XX/XXXX XXXX payment due XX/XX/XXXX XXXX warranty refund XX/XX/XXXX XXXX XXXX insurance pay XX/XX/XXXX XXXX XXXX insurance XX/XX/XXXX XXXX my payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682. I also assert my right to opt out of transaction history per US Code 6801 privacy obligation policy. I am writing to dispute the accuracy of the information on my credit report. Upon reviewing the report, I have noticed several inaccuracies that require your immediate attention.

12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED XXXXXXXX XXXX XXXX Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. 
12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
THIS IS THE FINAL DEMAND NOTICE TO REMOVE MY 2 ACCOUNTS FROM XXXX THAT CAPITAL ONE BANK IS NOT IN COMPLIANCE WITH THE FCRA. I AM DEMANDING THAT ACCOUNT NUMBERS XXXX AND XXXX BE REMOVED FROM XXXX AS PER VIOLATION OF MY CIVIL RIGHTS AND FCRA. ENCLOSED I HAVE ATTACHED DOCUMENTS THAT SUPPORT MY CLAIM. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO XXXX ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO XXXX ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. HOWEVER THESE ACCOUNTS WERE NOT CLOSED ON THE DATES REFERENCED ON THE REPORT. I RECIEVED REPLACEMENT DEBIT CARDS WHEN THEY HAD EXPIRED AFTER XX/XX/XXXX AND XX/XX/XXXX. THE ACCOUNT ACCEPTED A XXXX DEPOSIT ON XX/XX/XXXX. TO RECIEVE DEBIT CARDS AND XXXX DEPOSITS AFTER THEM DATES INDICATES THE ACCOUNTS WERE NEVER CLOSED. IN ADDITION, I CALLED CUSTOMER SERVICE ON XX/XX/XXXX AND SPOKE TO CUSTOMER SERVICE AND WAS ADVISED THE ACCOUNTS WERE IN A DORMAT STATUS AND THAT A DEPOSIT WAS NEEDED TO MAKE ACCOUNTS ACTIVE AGAIN. I HAD TO REQUEST THE ACCOUNTS BE CLOSED. THE REP SUBMITTED THE CLOSURE REQUESTS ON BEHALF TO THIER BACK OFFICE. I HAVE ATTACHED THE PROOF THAT THE ACCOUNTS WERE CLOSED ON XX/XX/XXXX. THEY WERE CLOSED LATER THAT AFTERNOON. I CALLED CAPITAL ONE ON XX/XX/XXXX AND SPOKE WITH A REP WHO ADVISED THE ACCOUNTS WERE BOTH OFFICIALLY CLOSED ON XX/XX/XXXX. SO TELL ME HOW IS IT LEGAL TO FALSIFY CLOSURE DATES AND REPORT THESE ACCOUNTS WITH INTENT TO HARM ME WITH MALICE. I HEREBY ORDER CAPITAL ONE AND XXXX XXXX TO REMOVE THESE IMMEDIATELY, OR I WILL SEEK A MONETARY LAWSUIT FOR SUCH NEGLIGANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CO

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$25000.00XXXX XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-11-20 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: CO

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$25000.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 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 explanation
Consumer complaint received 2024-11-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 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: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-11-20 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: FL

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 2024-11-20 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: FL

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 2024-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My account was locked without any prior communication. Upon opening the app on XXXX XXXX, I was informed that my account was locked and I needed to call customer support to understand the issue. During my XXXX  call that I did on the same day, I was told that they were unable to verify my identity and that I would receive a callback. However, I never received that call. 

When I called again on XXXX XXXX, I was informed that my account would be closed and that my funds would be transferred back. Its been around a month, and they are still telling me that the fund transfer is under review, with no clear timeline for when it will be processed.

Company response to consumer: Closed with explanation