vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Transuion, XXXX Letter to remove Inaccurate Credit Information To whom this may concern, This specific letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please do me a favor and investigate as well as verify that all data for this account is reporting accurately as well as include every notion of date and balance whether reported or not. 


Dispute late payment - XXXX XXXX  XXXX XXXX Account starting ( XXXX ) XX/XX/XXXX XXXX, XXXX and XXXX of XXXX I would like to also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report within the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. It is my understanding that evidence must be provided within 15 days of the completion of your investigation. I also have read and understand that under federal law, you have 30 days to complete your investigation. 
It is my understanding that you must also validate these particular items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. Iknow this must be complete within 30days of receipt of the letter, or you must remove the incorrect information.

Please be sure to send an updated copy of my credit report to the above address. 



Thank you ahead of time for your time in this concerning matter. 
Sincerely, XXXX XXXX XXXX SSN : ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
DUE TO A CHAIN OF EVENTS, BECAUSE OF EQUIFAX DATA BREACH ( XXXX ). I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THE BREACH OF MY INFORMATION./ MAKING POLICE REPORTS/HAVING TO FREEZE MY ACCOUNTS/ MY MAILBOX HAS BEEN BROKEN INTO/CHECKS HAVE BEEN STOLEN/CREDIT CARDS/MONEY ORDERS/DUE TO THIS BREACH. I ASK OF YOU IN YOUR CAPACITY, XXXXXXXX ME ALLOCATE MY EXISTING PROBLEM AND DILLEMMA OF FURTHER LIABILITY, POLICE REPORT # XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
My original loan was for {$2500.00}. They started off with a {$250.00} fee and only gave me {$2200.00} for a {$2500.00} loan. Now that I've paid for 3 months, I've paid a total of {$1300.00} and still owe {$200.00} more than I borrowed and they've made my XXXX XXXX score go from XXXX to XXXX. I had no idea what a rip off it was because it was recommended by XXXX XXXX. 

I'm furious and this shouldn't be legal. This is the definition of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My dispute is with Capital One Bank XXXX XXXX who services my credit account for Saks Fifth Avenue XXXX. I had purchased items in XX/XX/2022 which were later returned the same month within the stores return policy however, Capital One is not honoring the return to the extent of the minimum payment due and has increased my minimum due per the computer system recognizing that I still hold the merchandise thus making me owe more in a minimum payment. 

I have had numerous calls with agents in the customer service depts at Cap One and no one has been able to resolve this matter correctly. My first attempt which was through the Saks customer service team who tried to assist was able to get the minimum payment corrected but I was also on a deferment at the time. The next billing cycle on the monthly statements show a gradual decrease but is nowhere what the minimum payment was before I made these purchases which show on my XXXX statements and now XX/XX/2022. 

I have provided all statements from when I just made the purchases to where the credits were later posted on my account and the minimum payments were never correctly adjusted. I have been told that if my minimum payment was not collected for {$820.00} which I can only pay what the previous past due which was originally in XX/XX/2022 payment that I would be reported to the credit bureaus as 30 days late. I have come to you for assistance and reporting this mishandling of billing since I am unable to resolve this amicably while having the threat of my credit history and file being compromised due to their inability to fix the minimum payment issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

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 explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and found multiple inaccuracies and accounts that does not belong to me. I understand these credit reporting agencies are not supposed to be reporting inaccurate information and it's hurting me and making it hard for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I submitted my initial complaint to CFPB ( XXXX ) due to Account Resolution Services violating the Fair Credit Reporting Act and not providing me with validation of a medical debt that of which I have no knowledge. 

ARS responded XX/XX/2022 stating they sent debt verification in the past, which is not the case ; and then acknowledged that they should have sent something more substantial. ARS indicated that they would be providing the verification of debt as required under FCRA. It has been well over 30 days and ARS has not complied and no verification of debt has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: GA

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 XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. 

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 crime 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2022-11-03 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2022-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/22, I discussed the potential that phony accounts may have been reported on my consumer file with representatives from Experian, XXXX, and XXXX. I begged them to delete the accounts because I didn't know how they got there or anything about them. All three businesses gave me the go-ahead to submit paperwork and complete an FTC report XXXX On XX/XX/22, submitted my letters via certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. This problem has me baffled and irritated since it prevents my family and I from being able to purchase. On XX/XX/22, I called all three companies once more and asked how they could establish that these accounts belonged to me. They only stated that they were unable to assist any further and advised me to contact the creditors directly. It didn't surprise me when I made an effort to get in touch with each creditor who had been erroneously asserting on the consumer file that they were unaware of me or the accounts. I had run out of options, so I went online and found the CFPB website, which some of my friends had advised would be helpful in my circumstance. I sincerely hope that this is helpful since my family and I are trying to apply for a house.

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 2022-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number ... has 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. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a bill on my XXXX XXXX rewards XXXX for {$59.00} from XXXX Now a subscription channel. 
I called Barclays Bank and refuted this charge as I nor anyone in my family has watched The XXXX channel or XXXX now. 
Barclays got back to me and said that XXXX now had my email address so it must be valid. 
I then went to the fraud department and the investigations department and was told the same thing. 
I then contacted XXXX Now which can only be done via email, their website even says do not contact your bank as they can not help you. 
They came back with the same answer and wouldnt cancel the charge as its been more than 7 days. 
I came to the resolution that I have to pay the {$59.00} or Barclays will charge me interest and ding my credit for being late. 
I am now in the process of canceling XXXX store credit cards that are owned by Barclays Bank. 
How can a credit card company not stick up for their customers? 
Please help me. 

Thank you. 
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 2022-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-11-03 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: PA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and th

e corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consum
er meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2022-11-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.

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 2022-11-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.

Company response to consumer: Closed with explanation