vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 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:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-21 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: IL

Complaint narrative:
The credit bureau refuses to correct the balance of student loans. 
XXXX no longer services my student loans. They are serviced by 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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXX they could not find any information on the card but its still reporting 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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXXXXXX they could not find any information on the card but its still reporting 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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXXXXXX they could not find any information on the card but its still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXXXXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXXXXXX they could not find any information on the card but its still reporting 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604a states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a states the banking system is dependent upon fair and accurate credit reporting. Attached are my credit reports which will clearly show discrepancies within the reported balances. These inaccuracies on my report have caused a lot of trouble for me as I'm in the market for a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604a states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a states the banking system is dependent upon fair and accurate credit reporting. Attached are my credit reports which will clearly show discrepancies within the reported balances. These inaccuracies on my report have caused a lot of trouble for me as I'm in the market for a new car.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays Old Navy reported a 30 day rating under XX/XX/2023 on my credit report under XXXX XXXX XXXX. This account is also still showing as closed under XXXX when it's still open. Reached out about this but this hasn't been corrected. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future XXXX. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. 

I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold 2 accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. 

Again, I'm asking Barclays to please remove the late payment reported under XX/XX/2023 for XXXX and XXXX. And correct the account status from closed to open under XXXX. 

Thank you

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 2024-01-21 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: IA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid my balance in full. The company charged interest 28 days after the balance of {$2.00}. They then charged me a {$40.00} late fee and charged interest. Now my {$2.00} interest charge has resulted in {$80.00} fees. 

I spoke to XXXX who spoke over me, would not answer questions, and was exceptionally condescending. They agreed to refund my account {$15.00}. I closed my account and asked to be escalated at which point I was escalated to XXXX a senior account XXXX. Nothing was done to resolve this issue and I believe that this is a fraudulent trade practice taking advantage of consumers. I paid my balance in full and yet this was still an issue. I've never had to file a report before, but this is dangerous, and they especially target young women. I have come to the conclusion that I may not see the money, but I do not want other women to be led to believe they have paid some and then spent far more in fees and charges than the actual item cost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 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: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX  account number XXXX and XXXX XXXX  XXXX account number XXXX please delete these accounts 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 2024-01-21 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: IA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-01-22 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: AL

Complaint narrative:
Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: IL

Complaint narrative:
The original debt was {$400.00} in XXXX  from XXXX. It was charged off and sold to XXXX XXXX XXXX collections. They have reported to the credit bureaus that it is {$780.00} and the debt is from XXXX. I disputed through the credit bureau and XXXX XXXX responded that what they say is accurate but I have the original documents that say otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX  account number XXXX and XXXX XXXX  XXXX account number XXXX please delete these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: MS

Complaint narrative:
I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX  account number XXXX and XXXX XXXX XXXX account number XXXX please delete these accounts 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 2024-01-21 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: CT

Complaint narrative:
Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on XXXX and XXXX on XXXX & Experian prior report date XXXX XXXX as of XX/XX/XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act

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 2024-01-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts have violated my rights. 
15 U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It with 2 credit cards. Chase and XXXX XXXX XXXXXXXX. My identity was compromise in 2017. I didnt know until XXXX notified me, I discuss this with the credit company because I was paying for charges that I didnt even make. I said to close the account and because it wasnt making them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Good morning I started doing online payment each month without communicating with any rep because is only from Monday to Friday, and I can get a time on working hours, I went to the Hospital website and I started payment each month and I keep receiving letters that I owed same amount of Money, I keep all documents on record, I believe a fraud is on one of those part involved, any payment Have been posted,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: IL

Complaint narrative:
The credit bureau refuses to correct the balance of student loans. 
XXXX no longer services my student loans. They are serviced by 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 2024-01-21 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: IL

Complaint narrative:
The credit bureau refuses to correct the balance of student loans. 
XXXX no longer services my student loans. They are serviced by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: VA

Complaint narrative:
Three reporting bureaus and XXXX XXXX abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019

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 2024-01-21 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: Credit Karma, LLC
State: VA

Complaint narrative:
Three reporting bureaus and Credit Karma abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
according to the fair credit reporting act 15 USC 1681 section 602 a states " there is a need to insure that consumer reporting agencies exercise their gave responsibility with fairness, impartiality, and a respect for the consumers rights to privacy. '' equifax, XXXX and XXXX are consumer reporting agencies and i am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 witch states " it is the policy of congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681e ( b ) 15 USC 1602 -1608

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/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