vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
i found fraudulent accounts on my credit report that are not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted them and seems that they dont even know whats going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, I made a payment of {$96.00} on XX/XX/year>. My bank rejected the payment so I went in store to pay {$97.00} on XX/XX/year>. I relocated to a new city XX/XX/year> which is why i was working on paying off my debts because I would not have the finances for a bit. I no longer thought of the card after paying it to a zero balance. Later in XXXX I get a notice that my card is 30 days over due and it's reported to my credit report. I then called the company asking if they could remove the {$40.00} return fee, {$37.00} late fee, and {$4.00} interest fees. I told them my situation which I've previously stated. I was told they can only remove {$19.00}. I was not in the position to pay anything which is why I paid it to zero. 

Recently, I was notified that my account balance is currently {$160.00} which all of the balance is made up of fees and not from any purchases made. I called again asking to have them removed and was told they can take off a maximum of {$40.00}. I'm now wondering why they could not removed the {$40.00} when that was the only fee on the account back in XXXX? We would not have this problem at all. Now I'm feeling as if I'm being taken advantage of by this company. 

In addition, this company is violating my rights of keeping my personal information private by reporting the transactions of late payments to my consumer reports under law 15 U.S. Code 6802.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I went to Kohl 's to shop. I tried to make a purchase with my Kohl 's card and was told that Kohl 's was switching to Capital One... this was the first time I heard of it. My regular Kohl 's card would not work, so they had to look it up by my social security number. The purchase went through without a problem... except that I never received, and come to find out, was never sent a replacement card. When I went online to pay my bill, my old account number would not work so that I could pay my bill. I called the number on the back of the card and that is when I found out, I had never been sent a card and I had to request it. Without a card, it is very difficult to pay the bill. They asked me for the account number which I did not have because I did not have the card. During the phone call, I was able to pay the card with my social security number after jumping through several hoops. This seems like a way for the credit card company to make it difficult to pay your card so they can make interest and charge late fees. It seems slimy and sneaky. After paying what I was told was my balance ( I couldn't see my balance because I didn't have an account number ), I closed my credit card after being a customer for several years. It is poor customer service and a questionable business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a rental or consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have put on your XXXX form. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Collection Debt Amount : {$780.00} Unverifiable Account The copies of credit card statements you sent as verification IS NOT WHAT I REQUESTED. 



Thank You, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ive been living in XXXX for a long time and iam a victim of identity theft i found a lot of accounts that are fraudulent and not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them from my report they are farming my report and i contacted all of them and there was no response and they didn't care 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 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 2024-10-03 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:
ive been living in XXXX for a long time and iam a victim of identity theft i found a lot of accounts that are fraudulent and not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them from my report they are farming my report and i contacted all of them and there was no response and they didn't care XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this on has 4 : DEPTEDXXXX 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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX, after a {$10000.00} XXXX  charge, I took out a {$10000.00} loan, which if I paid the total amount owed in 24 months would not be subject to any interest. It turns out that the balance of said loan was {$1200.00} at the end of 24 months. We did not receive any type of communication besides the statement until on XX/XX/XXXX a statement arrived that the interest is now {$5000.00}. The entity in question is CareCredit, and after speaking with them, since we consider it an abusive charge for the balance we had, they told us that the grace period had expired and that the system would not allow them to make any changes. Supervisor XXXX attended to us and did not accept our proposal to immediately pay what was owed and apply the interest on the balance. We told them that we would take legal action and that we considered it an abusive and harmful charge against an American citizen. If you need information about account numbers and other related information, we will gladly provide it to 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Request for Removal of Late Payment Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account with XXXX XXXX ( account number : XXXX ) to request the removal of a late payment reported on my credit history, specifically in XXXX and XX/XX/year>. 

During the COVID-19 pandemic, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation aims to provide assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( TILA ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payment, as it has significantly negatively impacted my credit score and, consequently, my ability to access credit in the future.

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you may require to process this request. 

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 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I'm writing this complaint because I feel as if my last complaint was not resolved & brushed off because it was " worked on before ''. I frequently have to write reports to CFPB regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. & now Im being told i was late in XXXX? I have proof that there was no late payment & representatives i have spoken to that advised me i was not late on payments. I already wrote in a complaint about this specific topic & I am asking if it can be removed from my credit report. I have been told its not possible but it was done once before a few months ago which i also have proof of even tho Wells Fargo is saying other wise. During the time of XXXX, I was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved I believe that there may have been a mix up in my legitimate payment being marked as late. I have always been on time with payments & I seem to have a problem with Wells Fargo frequently for the past year now. I've been a very loyal customer for almost 4 years & despite all the troubles I have had with Wells Fargo I still stayed a loyal customer. Last case I wrote, I was told Wells Fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, I am always on time with payment. I don't believe I ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, I am simply asking for the late payment to please be removed from my credit report as I the customer don't believe I am at fault. If i dont get correct answers & not told it wont be worked on, i will take this higher then just a complaint. XXXX has not helped & i dont believe she should be assigned this case as she brushes off what i say. 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called to make a payment on my XXXX XXXX account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXXXXXX XXXX account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called XXXX XXXX on XX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra XXXX to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees. 

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due. 

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.

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 2024-10-03 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: TX

Complaint narrative:
I called to make a payment on my XXXX XXXX account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXX XXXX  account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra XXXX to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees. 

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due. 

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.

Company response to consumer: Closed with non-monetary relief