vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title XXXX of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The XXXX further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the XXXX, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under XXXX XXXX of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA. 

Moreover, the Electronic Fund Transfer Act ( XXXX ) and the Truth in Lending Act ( TILA ), both of which are contained in Title XXXX of the United States Code, provide additional protections to consumers. The XXXX requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the XXXX requires lenders to provide accurate and clear information about the costs and terms of credit. 

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the XXXX and TILA. Failure to do so may result in further legal action and complaints to the CFPB. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
MIDLAND CRED Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting causing damage to my reputation. 

Provide the documentation requested OR delete these items before that time or I WILL FILE FOR LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
this account is a corporate account that they XXXX XXXX is stating I owe them {$2200.00} 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
this account is a corporate account that they XXXX XXXX is stating I owe them {$2200.00} 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 2023-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I submitted an application for a BJ 's credit card. I didn't receive the credit card. I called BJ 's informing them I haven't received the card therefore paid membership directly at store XXXX XXXX XXXX PA. I received a call XXXX 2023 from Commenty Bank issuer of BJs credit card informing me I would be placed into collections due to unpaid charges on BJs credit card. I informed Commenty Bank 's representative that I've never received a BJ credit card and that I had informed BJs  of this. Commenty suggested I contact BJs  which I did on XX/XX/ 2023. I filed a complaint with BJ 's Customer Care. Once their investigation was completed, BJs  issued two {$55.00} credits totaling {$110.00} to the credit card. Although Commenty received the credits, the credit card interest rate on the two erroneous charges were not reversed. Instead Commenty Bank sold the outstanding interest charges was sold to XXXX XXXX XXXX ( debt collector ). I'm at my wits end on how to deal with Commenty Bank especially after I informed them I had not received BJs credit card and BJs reversing the membership fees charged to this card. I thank you in advance for any and all assistance you can provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect

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 2023-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I had 3 loans for my XXXX kids who attended XXXX XXXX with Fed Loan Serv between XXXX, during that time I had a late payment. After my son graduated, he went to the XXXX and paid off all loans. This was over 7 years ago, which should have been removed from my credit report by now. I've tried numerous times to dispute this account with the credit bureaus but each time, they come back saying the dispute is completed without any change. If this agency no longer exists, how can I make sure the negative credit reporting from 2013 is removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I reached out to Barclay because my interest was higher last month even though I made a payment and did not use the credit card. I say that in a month 's time the interest went up 0.25 %. I called and they said there was nothing they could do. I looked back at other statements and they had done the same thing. I never received the 45 day notice that my interest rate was increasing. The first undisclosed raise was in XX/XX/22. No emails, no letters, or any other types of notification. The same happened with XXXX XXXX, XXXX, and 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I reached out to Bank of America and made them aware that the credit card was established fruadulently without my permission I have no knowledge of this account and never gave any one permission to establish this account in my name I also sent them supporting documentation and this item still remains 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 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a bank statement from BofA in XX/XX/XXXX. I immediately called a reported this. I let the fraud department know I received the card and had not even activated it. This was not my transaction. In XX/XX/XXXX I received another bill with a letter indicating that the findings concluded I was responsible for XXXX dollars. I called and spoke to them again and the fraud case was reopened. 
To make this story short, Ive spent hours on only days off dealing with them. It is XX/XX/XXXX and Im still calling to get this figured out. I was told there was a balance transfer via XXXX and that I was responsible to pay this. I requested documentation for the the transaction and received a blank page. The second time I received a carbon copy of documentation that had everything whited out. The third time I received nothing. 
This company has began reporting to the XXXX that Im behind 30 days while maintaining an ongoing investigation. This is a violation of FDCPA standards and regulations, a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This issue is between XXXX XXXX, XXXX and Transunion. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between XXXX and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with XXXX and TransUnion, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with XXXX numerous times also with negative results. XXXX stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This issue is between XXXX XXXX, Experian and XXXX. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between XXXX and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with Experian and XXXX, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with XXXX numerous times also with negative results. XXXX stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.

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 2023-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
I had a payday loan from XXXX years ago show up recently on my credit report, This is the first time and it took  XXXX years to show up, but says the account was opened last month It only shows up on my XXXX, XXXX opened XXXX on XXXX and XXXX closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems has taken my nonpublic personal information and unlawfully trafficked libelous information to unaffiliated third parties without my prior authorization or consent. The lack of safeguarding and providing disclosures as it pertains to use, and trafficking of my nonpublic personal information is in violation of the Gramm Leach Bliley Act. I do not own this debt and refuse to make any payment ( s ) in connection with the alleged debt. The information is not information relating to any transaction by me. Jefferson Capital does not have permission, consent, nor permissible purpose to obtain, use or traffic my nonpublic personal information. Jefferson Capital is blocking me from having a fair and accurate credit file and has ruined my credibility and reputation. Jefferson Capital has violated various consumer rights, FCRA and FDCPA laws in order to coerce unlawful payment ( s ) from me using oppressive and deceptive tactics for its own financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account name # XXXX # XXXX # XXXX # XXXX XXXX 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 an 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account name # XXXX # XXXX # XXXX # XXXX XXXX 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 an 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
First I want to freeze my credit report because somebody that I dont know using my information or or a representative works at credit bureaus thats in my information and messing with my credit. 

I work foXXXX XXXX XXXX XXXX  XXXX XXXX location and for me to get my employee discount I have to apply for a credit card XXXX, XXXX  capital one so the HR of XXXX  XXXX  send me a link and I played on it and after I got my credit card its shows that im not employee with XXXX and I called capital one asking what wrong, they told ask ur HR to switch this personal account your employee account so I went to the HR but hes sad that I can not and asked me to close the account and applied in the store for a new one, which is I dont have to in the employee policy. Its sad always ask HR to switch personal account to employee account. So I called the capital one. I told them what the HR said and they close the account and I applied for the other one next day so they send me a new credit card I try to use it and same thing I have to ask the HR to switch personal account to employee account so I called capital one again. Ask him why you closed the first account and he told me because you want to which is its a lie hundred percent. 
And XXXX XXXX that I never had

Company response to consumer: Closed with explanation