vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: SC

Complaint narrative:
On or about XX/XX/2024 I received my credit report and noticed that Experian, XXXX and XXXX has violated my consumer right to privacy under 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Reports. Experian, XXXX, and XXXX has infringed upon my right to privacy and I never gave them written permission to report anything on my behalf which is in direct violation of 15 USC 1681b ( 2 ). By law it states these agency must have written permission from the consumer who it relates in order to furnish a consumer report. It's been difficult to live my life with these things on my report unlawfully. I demand the following items be 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 explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-20 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-20 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: RFNA, LP
State: AL

Complaint narrative:
This is a fraudulent reporting activity and this company must be stopped. I have tried to dispute this information over and over again with the bureaus by sending documents to support the statement and they will not correct it. The keep saying the company has verified this as correct. It is not correct and I am requesting that this erroneous reporting account be corrected. I called XXXX spoke with a lady verified my name XXXX XXXX XXXX and DOB and Social. The lady advised that the account has a different name but my social and DOB stated that she couldn't help me with any information. How are you reporting an account on my credit report that I can't speak about. 


I have sent in my FTC reports to the bureaus and they refuse to block this activity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
I have several Fraudulent accounts being reported on my credit file that was a result of identity theft. I also have addresses on my report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
I have several Fraudulent accounts being reported on my credit file that was a result of identity theft. I also have addresses on my report that do not belong to me.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my account. I believe that their actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : JPMCB CARD Account Number : XXXX I have encountered the following issues with XXXX XXXX XXXX  and JPMCB : incorrect reporting, lack of verification of the debt. I have dispute this account with all 3 credit bureaus. XXXX has removed it for inaccuracies, but XXXX and XXXX refused to delete these account of my credit report and fail to send me the method of verifications that I have asked for. Please DELETE these account of my consumer report as they are hurting my credit rating. 

I have attempted to resolve these issues directly with XXXX XXXX XXXX and JPMCB but have been unsuccessful in reaching a satisfactory resolution. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action. 

I request that the CFPB investigate my complaint against XXXX XXXX XXXX and JPMCB and take any necessary steps to ensure compliance with the FDCPA and FCRA. Additionally, I ask that you inform me of the outcome of your investigation and any actions taken as a result. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
FDCPA Violation. 
Calling you or any other person repeatedly with intent to annoy, harass, or abuse you, or any person at that number. Calling you after you have provided your lawyers information. Threatened to sue me without properly following procedures in FDCPA. Calling or contacting you without disclosing that they are debt collectors trying to collect a debt. 

This call came from Comenity Capital Bank for an XXXX Credit Card Account. The XXXX called on the phone number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2024-03-20 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: MI

Complaint narrative:
I am writing to formally dispute an inquiry that appears on my credit report, which I believe is unauthorized. I have no recollection of authorizing this inquiry or engaging in any business or financial transactions with those listed creditors. Those inquiry is inaccurate and is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX we planned a trip with XXXX in Florida. Charged on my AAA comenity card. I have had this card for almost 40 years and always pay it off in full every month. In XXXX we were notified the business was not in business. 3 other people going with us got their money back immediately when they notified their credit card companies. I called AAA and they said since I paid it off I couldn't get my money back and suggested I call the company. I called the number the AAA rep gave me, they said they did not receive money and we were not booked. AAA has refused to refund my money, told me not to pay my bill until this was cleared up and then charged me interest. AAA did not contact the company they paid. I have sent multiple letters to AAA asking for help and explaining I feel penalized for paying in full every month and asking for who they paid. The charges were XX/XX/XXXX for {$2700.00} and XX/XX/XXXX for {$5400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Id like Barclays to refund my {$99.00} annual fee paid on XX/XX/XXXX for my XXXX XXXX credit card. Barclays provides an 60 day grace period after the annual fee is paid to close the account and receive a refund of the {$99.00} annual fee. For me, this deadline would have been on XX/XX/XXXX. 

I tried multiple times to close the card during XX/XX/XXXX but was unable to connect with a customer service agent. Unfortunately, Barclays doesnt allow customers to close their credit card accounts by mail ; customers must speak with a customer service agent. 

I was finally able to connect with a customer service agent on XX/XX/XXXX and was able to close my account. However, this date is outside the 60 day grace period and I did not receive a refund of my annual fee. Moreover, I experienced a near miss and almost did not succeed in closing my account. The customer service agent encountered systems errors and had to reboot his systems twice. The agent acknowledged that Barclays has frequent problems with its IT systems that prevent customers from completing their requested account actions. 

Below are the dates and times when I contacted Barclays customer service phone number ( XXXX ) during normal business hours during XX/XX/XXXX. Each time, I was subjected to wait times of over XXXXXXXX XXXX and in all but one case was automatically disconnected. Since Barclays does not make a good faith effort to maintain sufficient staffing nor the IT systems reliability to ensure proper execution of account closing procedures, Id like Barclays to refund the {$99.00} annual fee. 

Dates of contact with Barclays : 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 monetary relief
Consumer complaint received 2024-03-20 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: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/year>, I disputed a Bankruptcy that was on my consumer report with Lexis Nexus, on XX/XX/year> they responded and informed me that they VERIFIED the account with XXXX I contacted XXXX on XX/XX/year> and spoke with a XXXX, she informed me that XXXX does not report any information to Lexis Nexus, so Lexis Nexus LIED in their response to me. I also asked XXXX XXXX to verify and validate this information and provide me with copies of any documentation associated with this account granting them the authorization to report this information which is bearing my signature, and they did not grant my request or provide me with any documentation bearing my signature. I am now coming to you to rectify the problem that I am having with Lexis Nexus and them violating 15 U.S.C. 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NV

Complaint narrative:
At XXXX on XX/XX/2024 i was called and hung up on when I asnwered the call. I returned to the call XXXX at XXXX XXXX for 6 minutes. I first spoke with XXXX XXXX and she refused to answer required questions to verify this was a collection company that is able to collect in my state of Nevada. She did the address, name of collection company First Credit Services, phone number XXXX but that was all. I did advise her refusing to provide this information I requested can result in up to a {$1000.00} for her and the company. She then hung up refusing to give any information. 

I was then transfered after i called the XXXX number fiven by XXXX. I was tranfered a total of 5 times XXXX ( refused to give last name ; XXXX XXXX ; XXXX XXXX ) Non of the collections agents would give any of the requested information. I was told becasue I would not verify my personal information they cannt give the information I was asking for, not even the professional license. I requested the professional license ID number with three collctors XXXX, XXXX stated they dont what this is, where that is I should call the XXXX to get it. 
That is when I spoke with XXXX XXXX and she said she was just going to transfer me I was then transfered back to XXXX. I asked XXXX for the the professional license ID number becasue it is not connected to any debter account and then she said she was going to transfer me to manager.The last transfer being with a manager by the name of XXXX XXXX. 
XXXX refused to furnish the professional license, ID number, name or the creditior, address of the creditor, account number assocated with the debt. He state this company emailed or mailed me debt information. I did advied no company has ever been given any consent to email me ever. XXXX removed the email. Did advised XXXX with me refusing the rquested information he could be fined up to {$1000.00} per infraction. XXXX stated he is aware of the the fair credit reporting act ans the CFPB and wasnt refusing to provide any information. I then requested the professional license ID number becasue it is not connected to any debter account not would it violate any consumer provicy. XXXX refused that request also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: LA

Complaint narrative:
I want these inquiries deleted as I did not authorize these companies to run my credit 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 2024-03-20 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: LA

Complaint narrative:
I want these inquiries deleted as I did not authorize these companies to run my credit 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 explanation
Consumer complaint received 2024-03-20 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 am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I got served with a lawsuit by a company named Velocity Investments , LLC about a loan that was taken out on XXXX XXXX. Unfortunately, I lost my DL a couple of days prior to the loan being taken out, I was in the middle of planning a wedding and didn't notice that until after the wedding. I never received any mail or emails regarding this loan otherwise I would have called the company and ask for a payment plan in order for me to pay it off.

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