vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: NY

Complaint narrative:
XX/XX/year>, I received a bill from a debt collector called XXXX XXXX XXXX for a debt I have no details about. The original vendor they obtained this debt from failed to provide me with an itemized bill, despite the fact that they had kept my security deposit even though a realtor had certified that I had returned the property in due process, and despite multiple failed attempts reaching out to the original vendor, XXXX XXXX XXXX XXXX, asking for my security deposits or the details of the bill ( which they never provided ). It was a surprise to have this debt collector contacted me after I had always submitted payments and properly returned the property, AND not having received my security deposit. 

On XX/XX/year>, I attempted to have the collector provide verification of the debt and explained that I had not even received my security deposit and was not sure of what the bill was about, and even more surprised that it also had " accrued interests ''. I also sent them a letter by fax and certified mail, seeking clarification and verification. Despite my request, the collector did not respond at all. 

Instead, they went ahead and reported the debt to credit agencies. This had an immediate impact- my credit score dropped, and my credit card limits were reduced ( e.g. from {$35000.00} to {$8000.00} ). Even after I submitted disputes to the credit agencies and provided proof that the debt collector had failed to verify the debt, XXXX insisted on keeping it on my report, stating they would only remove it if they received a letter from the collector but since the debt collector told them to keep it on, they would have to keep on my report. 

Moreover, the debt collector XXXX XXXX XXXX has also continued calling my phone number ( which they seem to have obtained through my credit report ), even though I asked them to only contact me in writing. 

Dealing with XXXX XXXX XXXX XXXX has been XXXX of the worst experience of my entire life. As shown by their reputation online, just as XXXX XXXX XXXX, they have very questionable ethics and have caused me so much discomfort and inconvenience. 

They need to remove the negative remarks from my credit report asap. And if there is anything they say I owe, I have the right to see proof of what exactly they are billing me for and why my security deposits were not returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-16 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: NY

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a XXXX rewards XXXX card from Bread Financial, a division of Comenity Bank. I had received a text alert for a nearly {$500.00} charge for a XXXX XXXX  and rejected it. Upon logging into my account, I found several charges from out of state in the amount of hundreds of dollars, XXXX charges, and a charge to XXXX XXXX. 

I had called customer service with the number on the back of my card. On my first attempt to report this issue, the person on the line argued with me about the charges and went to far as to defend the charges as legitimate. 
The following day I called again to speak with another person to report these charges. This person accepted my report, however I asked that they freeze the account and stop sending more cards, as I suspect someone has been requesting additional cards and using them to commit the fraudulent charges. 
When attempting to look at my account online today, I found that not only is the card still active, but it is still getting charges for XXXX orders out of state, which I have reported in the past. I was also prompted to activate my new card, after I specifically asked the company to stop sending out more cards. 

This company failed to alert me to any of these purchases, they have shown terrible customer service to a point of openly defending fraudulent charges, and they have not taken any of the actions I have requested to secure this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: MN

Complaint narrative:
I applied for the US Bank XXXX XXXX XXXX XXXX credit card in-person at the US Bank XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. I received notification by phone call ( branch banker- XXXX, voicemail available ) that I was approved on XX/XX/XXXX. On XX/XX/XXXX, I received the US Bank Signature Connect credit card via USPS. This was not the credit card that I applied for, nor that I received disclosure notice documentation from the branch about. 

Immediately after opening the letter from US Bank and seeing this mistake, I repeatedly attempted to contact the bank branch between XXXX and their closing time at XXXX, nobody ever answered the phone. I called US Bank 's XXXX services number, and spoke with XXXX, a Credit Card supervisor ( call ref # XXXX ) who informed me that there is nothing they can do to replace the credit card and line of credit that I had applied for with the one that I received. They recommended that I take time off work to again visit the XXXXXXXX XXXX bank branch to try to work with the manager to resolve the mistake- which was likely made by the banker ( branch banker, XXXX XXXX who processed my application. I am told that most likely, I will need to close this account and go through the entire application process again, including unfreezing and pulling my credit history, and that I will need to contact the credit bureaus to dispute the credit pulls and the line of credit that was opened on my behalf without my consent.

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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have spoken with this company monthly since XX/XX/XXXX up to XX/XX/XXXX when 'suddenly ' their 'upcoming payment reminders ' stopped coming to my email address. I last called on XX/XX/XXXX, when the answering representative said please hold I am transferring you to our collections department. My complaint is several : 1 ) Capital One removed their automatic reminders from customer 's email of the upcoming payment due date 2 ) Capital One is trying to forcibly make consumers allow them to access their bank accounts regular with pushing for AUTOMATIC DEBIT PAYMENTS 3 ) Capital One has REMOVED their direct messenger from the App as not to have to receive and respond to consumers ' complaints/concerns.

4 ) Capital One reported my payment past due AFTER NOT SENDING REMINDERS to the Credit Bureaus on XX/XX/XXXX, which caused a deduction of XXXX points! on my score. 
5 ) Capital One reported ANOTHER last incident for the same late payment to the Credit Bureaus which impacted my score negatively XXXX more points. 
6 ) Then Capital One -- SENT A NOTIFICATION EMAIL TO THE EMAIL THAT THEY CLAIM THAT THEY NO LONGER HAVE to request that I complete a SURVEY for recommending family and friends for their product : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
I am seeking your support concerning this incorrect account reported on my credit report. This has negatively impacted my XXXX, and I need your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am writing to report a potential case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their actions

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 2024-07-16 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: TN

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account to be removed. 

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

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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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 non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All these were hard inquiries that i did not authorize and need them removed i have worked hard on getting my score to Fair and these inquires have put me back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Can you please give me assistance in these that are making my life harder than it has to be. 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 2024-07-16 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: CT

Complaint narrative:
Please remove and delete all fraudulent hard inquires off my credit file from Experian, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Bank of America Team, Cc : CFPB Team, I am writing to express my serious concern regarding two accounts reported by your company on my credit report, which were allegedly opened in XX/XX/XXXX and XX/XX/XXXX. I have already filed an FTC XXXX XXXX XXXX and submitted other documents, yet I am still not aware of these accounts. Despite my disputes with the credit reporting agencies, your assertion of the validity of these accounts has been upheld. 

I want to clarify that I have no knowledge of or engagement with your company or any original creditor associated with these accounts. The inaccuracies in reporting these accounts appear to be a result of fraudulent activity and constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I request the following documentation : Proof of Debt : Provide evidence of the alleged debt, including any contracts or agreements bearing my signature.

Authorization : Evidence of your authority to collect this alleged debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ).

Legal Basis : Documentation detailing the legal basis for your collection of this information and the alleged debt.

Operational Authorization : Proof of your authorization to operate in my state.

Account History : A complete account history, including any collection-related charges.

Additionally, I am filing a formal complaint for violations of my consumer rights under the FCRA and FDCPA. Under 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) requires written instructions before any account can be furnished. Consequently, I demand that all communication and collection activities related to these accounts cease immediately. Furthermore, I request the deletion of these accounts from my credit report due to their unrecognized status and the absence of any contractual obligations.

Your actions have violated the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I expect the immediate deletion of these accounts from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I anticipate prompt rectification of this issue.

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-07-16 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-07-16 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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