vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I was coerced into getting the card in the first place for discount on product. XXXX 's fraudulent business practices have harmed my credit. 

Once I received my card I never received any billing statements, either in the mail or via email. Customer service told me I signed up for email statements which is impossible as I do not pay the bills, my husband does, but also, when I asked what email address they have been sending my statements the email address was incorrect. When I tried to pay in the store, the store will not accept payments. When I ask them about my card they say I have a {$750.00} credit line and everything is fine. But everything is not fine! 

I am unable to access my account information through their website. The only way I've been able to pay is over the phone or online with assistance. 

I have now learned that XXXX has reported me to the credit bureaus multiple times for late payments when I never received billing statements! I reported XXXX 's unfair and deceptive practices to a Fraud Supervisor " XXXX '' at COMENITY Bank, Bread Financial. It was XXXX who told me about the hidden monthly charges that XXXX imposes even if I haven't used my card and have no balance due! Those hidden fees that consumers don't know about can trigger negative reports to the credit agencies especially if you don't get statements and don't know you're being billed even if you're not buying product. 

I am reporting XXXX 's unwarranted hidden charges, deceptive practices and the negative reporting to credit agencies when they didn't even send me billing statements so I could set up an auto pay ( how we pay all our bills ). I have never received any notice alerting me that my account is due or past due. I pay my bills on time. The negative XXXX reporting is the only negative information on my credit report. 

I ask that all the negative XXXX reporting to the agencies must be removed from my account. There is no balance owing on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to dispute the following information that appears on my Innovis report from XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Innovis should block and remove these items no later than 4 business days after receiving the required information. Innovis continues to violate my rights by reporting this information. I have attached appropriate proof of the identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. Delete and block this information according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Innovis is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : 1. XXXXXXXX Home Equity Line Of Credit  with account # XXXX XXXX  opened on XX/XX/XXXX and a balance of {$97000.00}. 
XXXX. XXXX XXXX XXXX XXXX Auto Loan with account # ... XXXX opened on XX/XX/XXXX and a balance of {$36000.00}. 
XXXX. XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXXXXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 
XXXX. XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5000.00}. 
XXXX. XXXX XXXX XXXX Individual Real Estate Mortgage with account # XXXX XXXX  opened on XX/XX/XXXX and a balance of {$560000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX Mailing address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hello I just want you to know my XXXX XXXX XXXX is reporting incorrectly and I am asking that this be fixed. I am not using 140 % of my credit limit thats not correct information on my credit report

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-03 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: NJ

Complaint narrative:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-03 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-03 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: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
a third party company Midland credit is contacting me for payments. I wrote asking to request validation of the debt claim under the fair debt collection PracticeAct 15USC 1692

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
XXXX XXXX  XXXX XX/XX/year>2024 XXXX XXXX  XXXX/XXXX/2024 XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXXXXXX/2024

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I tried to contact this agency a bunch of times to get the written agreement and also a letter and a 1099c and didn't know I was able to dispute the debt they've contacted me even when I was in basic training but was unable and once I've passed I made payments monthly but never received a letter to confirm my payments or agreement and was never informed I can dispute it. Also the fact that the amount I was owed was different from what I actually owe. I tried calling them back and when they finally answered they tried to either charge me more from some different account. Or just hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I got a private loan for {$3500.00} in XXXX. I've been paying for it for 14 years and it's still the same amount. In XXXX, I had a job where I was getting paid weekly. I made payments each week to pay the amount down and it never went down. I made payments and it was over half the loan based on the tax information. I was making payments and requested information from the loan company at the time which was XXXX XXXX at the time. They said I made payments of roughly around XXXX XXXX My loan was switched to XXXX XXXX and then Mohela. I checked my credit and it stated my loan would be paid off in 5 years and the loan is 14 years old. I stopped making my payments last year because my husband lost his job, but I've thrown away thousands of dollars and this loan isn't going anywhere. They said I've only paid interest and that can't be right for 14 years. This is predatory and it's no way this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
I am filing this complaint against XXXX and the three major credit bureaus ( Equifax, XXXX, and XXXX ) due to their failure to properly investigate and correct inaccurate information on my credit report. 

The account in question is a XXXX collection account that has been incorrectly reported and verified despite my multiple disputes. 

XXXX is reporting inaccurate information. 

I have disputed this account multiple times, yet XXXX has failed to provide proper validation of the debt, including original contracts, billing statements, or proof of my obligation to pay this amount. 

The information being reported does not accurately reflect my account status and may include incorrect balances or unauthorized charges. 

The credit bureaus ( Equifax, XXXX, and XXXX ) have violated the FCRA by failing to conduct a proper investigation. 

Despite my disputes, the credit bureaus have continued to report this account without adequate verification. 

Under 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable investigation and remove information that can not be properly verified. 

I initially disputed this account with all three credit bureaus, but the disputes were resolved in XXXX favor without sufficient documentation. 

I have filed a XXXX XXXXomplaint against XXXX, but they have refused to remove the account. 

I have reopened disputes with Equifax, XXXX, and XXXX, yet the account remains. 

I am attaching copies of my dispute letters, responses from credit bureaus, and my XXXX complaint for reference. 

I expect a prompt response and resolution to this matter within the required 15-day timeframe as per CFPB guidelines. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
I am filing this complaint against XXXX and the three major credit bureaus ( XXXX, XXXX, and TransUnion ) due to their failure to properly investigate and correct inaccurate information on my credit report. 

The account in question is a XXXX collection account that has been incorrectly reported and verified despite my multiple disputes. 

XXXX is reporting inaccurate information. 

I have disputed this account multiple times, yet XXXX has failed to provide proper validation of the debt, including original contracts, billing statements, or proof of my obligation to pay this amount. 

The information being reported does not accurately reflect my account status and may include incorrect balances or unauthorized charges. 

The credit bureaus ( XXXX, XXXX, and TransUnion ) have violated the FCRA by failing to conduct a proper investigation. 

Despite my disputes, the credit bureaus have continued to report this account without adequate verification.

Under 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable investigation and remove information that can not be properly verified. 

I initially disputed this account with all three credit bureaus, but the disputes were resolved in XXXX favor without sufficient documentation. 

I have filed a XXXX complaint against XXXX, but they have refused to remove the account. 

I have reopened disputes with XXXX, XXXX, and TransUnion, yet the account remains. 

I am attaching copies of my dispute letters, responses from credit bureaus, and my XXXX  complaint for reference. 

I expect a prompt response and resolution to this matter within the required 15-day timeframe as per CFPB guidelines. 

Sincerely, 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
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally dispute the reporting and handling of my accounts ending in XXXX, XXXX and XXXX that have been marked as charged off. I am currently making payments on these accounts as agreed, and per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting a review and correction of the reporting status. 

According to the FCRA, information reported to credit bureaus must be fair, accurate, and fully substantiated. Since I am actively making payments on these accounts, I believe the charged-off status is misleading and could be inaccurately impacting my credit profile. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of the reported debt status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a Form 1099-C Cancellation of debt ( XX/XX/XXXX ) from Chase that I never had. There was a charge of {$2800.00} from XX/XX/XXXX. I called Chase to report that I did not have a Chase Freedom Card.and to report a fraud. They wanted my S.S. # but I do not issue this over the phone. So I gave them the account number that was used ( last 6 numbers ) and they couldn't find any account on this account number or under my name. But the form 1099C says I need to report this to the IRS when doing taxes. I spoke to 4 different people and they all asked me for my social security to find the account. I even had a gentleman hang up on me because I didn't give him my S.S. # I had asked to get a statement with charges, what was charged, when & where it was used so it can be traced. They could not issue me this information without my social security number. Once again I refused to give them my number. They did say they would report the fraud. I received a 2nd ltr. XX/XX/XXXX they investigated the fraud claim and it said I AM responsible for the credit card account. I then received a 3rd ltr XX/XX/XXXX saying the cancelled debt that they reported to the IRS is correct. Funny thing is all 3 letters had different PO 's numbers and telephone numbers on them. I gave them my name that was on the letter but they couldn't find anything under my name. Somebody opened up an account under my name ( Using My last 4 digits of my S.S. ) was on the letter. I need to reiitty this so I dont have issues with the IRS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XXXX I opened a XXXX XXXX account, which was advertised with a high interest rate. In XXXX Capital One replaced the XXXX XXXX account with the XXXX XXXX XXXX account, with the same terms and conditions, but with a higher interest rate. It was my understanding that the XXXX XXXX account was simply changing its name to XXXX XXXX XXXX. I was never informed that these were two distinct accounts. On XX/XX/XXXX, I discovered that my XXXX XXXX account interest rate was drastically lower than the new XXXX XXXX XXXX account. It had been my understanding that I was continually receiving an interest rate of 3.7 %. I discovered the XXXX XXXX account rate is currently 0.8 %. I have been cheated of a rate I believed I had been receiving since XXXX. Because of Capital One deceptive financial practices, I have lost thousands of dollars in interest on money I allowed Capital One to hold on my behalf.

Company response to consumer: Closed with explanation