vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We made a purchase at XXXX XXXX which actually consisted of two separate transactions on XX/XX/XXXX in the amounts of {$22000.00} and {$32000.00}. Both these transactions were 96 MONTHS WAIVED INTEREST EQUAL PAY under a promotional plan with XXXX XXXX. We have NEVER used the card for any other purchases!! 

We have made a payment of {$570.00} ( {$22000.00} + {$32000.00} = $ XXXX = {$570.00} ) each and every month without fail as it is an automatic payment set up with our bank XXXX  XXXX XXXX XXXX For nearly 4 1/2 years everything was fine. XXXX of XXXX something changed on Comenity Capital Banks end which has caused the minimum amount to change to {$570.00} without notice or explanation and various amounts after this point because they are charging us fees on top of the minimum amount due. We have never got a clear understanding as we have a 0 % or waived interest promotional plan. I think it has to do with the termination of the XXXX XXXX Credit Card program. See attached notice. This change was not to effect our original terms of purchase. 

We have continued making the {$570.00} payments and have made extra payments of {$170.00} and {$30.00} for a total of {$200.00}. We want this refunded or we will deduct this amount from our final payment ( Payment 96 ). Unfortunately we have exhausted all efforts on our end and they do not have competent workers in customer care to rectify the situation. Please also find Comenity Capital Banks final response to our concern. We have have additional correspondence if needed. They say the change is a result in a change of the APR. They also said they can not make changes to a closed account, but we have brought these errors up before they closed the account. The way I see it 0 % is 0 %. And an Equal payment plan doesn't change amounts every month. Why this would change after 4 1/2 years is beyond my comprehension. 

We will continue to make the {$570.00} payments and we need help in resolving the issue and we want to make sure that our credit history is not being effected from their incompetence. Fee free to give me a call at XXXX to discuss. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a secured credit card with my own money. The amount deposited was {$1000.00} which I was told would be my credit limit. Upon entering into the agreement, I inquired about the secure card being transitioned into a revolving account. I was advised as well as it was outlined in terms and agreements that once I maintained a positive payment history for a year my account would automatically transition into a revolving account. I maintained my account in great standing for over the time period allowed, how the agents kept creating unfounded claims and stipulations to push back the maturity date. Never upholding the bank policy and procedures. I was advised by Citibank credit department that my account did actually qualify. My account was never transitioned. 

In addition to failing to adhere to secured card policies, claims were not properly adjudicated and Citibank blocked my access to account to view transactions, prevented me from filing a claim and closed my account without cause or notification. 

Citibank then erroneously reported my account to the credit bureaus as a late payment account and charged off account. This is not the case. Also, the funds were my own. Citibank reported my account as a revolving account, However, I was advised by Citibank card services that this was never transferred to a revolving account. I secure card account was never in default. Citibank reported my account was charged off owing {$450.00} of the {$1000.00}. There was no possible way this is owed because the limit was only {$1000.00} and the account will not allow for transactions to process over the {$1000.00} Citibank is reporting my account fraudulently and legal action will be taken if this is not corrected with ALL credit reporting agencies.

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 2024-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jeffrey G. Lerman, P.C.
State: NY

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX, demanding payment of {$370.00} for a COVID-19 test conducted on XX/XX/year>. This bill is surprising and distressing because COVID-19 testing was mandated to be free under federal regulations at that time, and I had insurance coverage from XXXX XXXX XXXX that should have covered any associated costs. 

The original testing site, XXXX XXXX XXXX, did not inform me of any charges at the time of the test. Furthermore, they did not attempt to verify my insurance before sending the bill to XXXX XXXX XXXX, which then billed me directly. This unexpected bill appears deceptive and potentially fraudulent.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-28 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:
Upon checking my credit report on TransUnion credit repotting agency I noticed some inaccurate information reporting that I need removed immediately on my previous employment column on my credit report such as follows : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX -XXXX  Please remove inaccurate information immediately thank you for your prompt response!

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 2024-07-28 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:
Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name XXXX XXXX XXXX  account number XXXX This account is being reported inaccurately, please remove this from my credit report 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 explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Please make all listed below update or deleted in my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NY

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Please make all listed below update or deleted in 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 2024-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom This May Concern : On XX/XX/year> I wrote you a letter requesting verification. 
On XX/XX/year> you responded stating that you have previously investigated and verified this account. I sent you a direct request so l believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 
I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. DO NOT SEND ME VERIFIED RESPONSES!

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 2024-07-28 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: IL

Complaint narrative:
Recently Ive received a copy of my credit report and noticed that there are accounts that are being reported improperly. These accounts are detrimental to my credit and my life. Please review this information and have these accounts 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 2024-07-28 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:
According FCRA section 605B it is illegal to report information on my credit report with my permission.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding a fraudulent account reported on my credit report by Experian. The account in question is associated with XXXX XXXX XXXX and is entirely unauthorized and fraudulent. 

Despite my repeated attempts to resolve this issue directly with Experian and XXXX XXXX XXXX, the erroneous account remains on my credit report, negatively impacting my credit score and overall financial standing. 

To provide you with a clear picture of the situation, here are the relevant details : - Creditor : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> I have attached copies of the following documents to support my claim : 1. A copy of my credit report showing the fraudulent account. 
2. Correspondence with Experian and XXXX XXXX XXXX regarding the dispute. 
3. A police report filed for identity theft, if applicable. 
4. Any other relevant documentation proving the account is fraudulent. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian promptly removes the fraudulent account from my credit report. This account has caused significant distress and inconvenience, and I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this important issue. I look forward to your prompt assistance. 

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 explanation
Consumer complaint received 2024-07-28 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:
Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of 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 non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Experian for its persistent failure to correct erroneous information on my credit report, despite numerous disputes and the provision of supporting documentation. This ongoing issue constitutes blatant violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
XXXX*Account Details and Inaccuracies : ** XXXX. XXXX XXXX ( Account Number : XXXX ) - **Experian Inaccuracies : ** - Account status is marked " Closed '' with " Current '' payment status, yet it also lists derogatory remarks and mentions bankruptcy, which is incorrect. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, requiring accurate reporting. 
- The creditor remarks falsely state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is untrue and misleading, violating both FCRA and FDUTPA. 
- XXXX and XXXX correctly report this account as closed with a {$0.00} balance and no derogatory remarks, highlighting the inaccuracies in Experian 's reporting. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) - **Experian Inaccuracies : ** - The account is reported with a " Collection/Chargeoff '' status and lists an unpaid balance reported as a loss, despite the balance being {$0.00}. This contradiction violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, which mandates accurate reporting. 
- The remarks state " Debt included in or XXXX through XXXX XXXXXXXX XXXX, XXXX, or XXXX, '' which is incorrect and misleading. This false information violates the FCRA and FDUTPA. 
- XXXX and XXXX do not report any derogatory status or collection/chargeoff for this account, indicating that Experian 's report is inaccurate. 
- Experian lists a last activity date of XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
- The reported dates also do not match, with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 

These discrepancies between the information reported by Experian and the actual account statuses indicate a failure to adhere to FCRA and FDUTPA regulations. This non-compliance results in the dissemination of false information, damaging my creditworthiness and causing financial harm. 

Additionally, I have attached the credit report highlighting the inaccurate information for your reference. The attached document clearly shows the discrepancies between the reported information and the actual account details.

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 2024-07-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
A XXXX  debit card from US Bank. This card has an expiration date of XX/XX/XXXX under my name. The issue : US Bank service procedures may leave customer in a deadlock situation, 1. I tried to check the balance on the date of XX/XX/XXXX at US bank web site XXXX XXXX XXXX XXXX 2. After I entered the XXXX digit card number and XXXX digit XXXX, the website does not show the information but displays " Please call the number on the back of your card to unlock your account. '' 3. I called the number on back of the card, XXXX. The customer service person asked for the following info from me : a. my full name b. my address c. last XXXX transactions on the card 4. I don't have the last XXXX transactions any more. The service person then asked to check balance on the website. 
5. Now I am in a deadlock situation.

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