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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.

Company response to consumer: Closed with explanation
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: TX

Complaint narrative:
I have been reviewing my statements over the last year for taxes, and noticed a charge for " XXXX XXXX Texas XXXX XXXX XXXX TX '' for {$550.00} on XX/XX/year>. I have never heard of this retailer before, so I XXXX  the exact name as listed and the only results are for " the best shopping in my area '' ; there is no " expanded '' information available that would depictg a phone or merchant ID or any other identifying number, so I can't verify that this is my purchase ( and it is a very similar amount to the amount I DID spend at a verified retailer, so I'm worried we were double-charged somehow as the difference is {$6.00} and one business day ). When I called XXXX  XXXX customer service, they verified that I was the legitimate account owner, and verified that the information the show in the history for that date is the same as what I show, but they refused to release an alternate trade name/DBA, merchant ID #, phone number, or any other information that I could use to identify WHO it was that charged my card. There is no known retailer locally that I am aware of that uses the trade name " XXXX XXXX XXXX  XXXX XXXX XXXX TX '' as their operational name, and I can not even begin to guess at what it might be as it is so generic that it is completely useless ; searching within XXXX using a " quote '' string for exact matches returns XXXX results and suggestions for " great shopping in my area! '' I want to know if I even authorized this charge-and if so-to where? An itemized list of what was " sold '' or billed would be even better. I am highly concerned that we were either scammed or double charged and it flew under the radar.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am the victim of identity theft. The account listed here is the result of fraud. I have sent this information to the credit bureaus several times already but they are not responding 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding a negative item that continues to appear on my credit report. Despite my explicit statement that this item is unverified and incorrect, it persists on my report, which is deeply concerning.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding a negative item that continues to appear on my credit report. Despite my explicit statement that this item is unverified and incorrect, it persists on my report, which is deeply concerning.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2024 I had sent out a certified letter to TD Bank NA included in that letter was my ID to inform that this was actually me, and a letter stating that I needed details on this account, original contract with signature, and 30 days to comply they signed my return address on the letter I have sent but did not receive anything further from them an now its been 30 days. By law they need to delete my item from them on my credit report. I have also tried everything I possibly can to get this debt resolved called multiple times hours on the phone wasted also mailed certified letter still no response from ( TD Bank NA. ) creditor. I also can provide proof that certified mail was sent to the address listed on my credit report the only contact info they did not provide a phone number affiliated to the account. XXXX had attempted to reach out to them at least 3 times. They have not reached out to me under any circumstance just feels like Im being ignored. I need to get this item removed from my credit report immediately due to XXXX XXXX and trying to get approved for an apartment is very cumbersome for my wife an I. In the meantime, this action on my credit report keeps showing negative/late when in fact its a charged off account. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Requested a deferement but is showing on my credit part as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Sequium assets solutions {$7200.00} Opened XX/XX/year> XXXX creditor 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is my second complaint against Experian. I filed a cfpb complaint and sent a dispute letter in the mail requesting all incorrect addresses, and incorrect spellings of my legal name be removed from my credit report. They have only updated incorrect addresses instead of removing these wrong addresses even after I mailed over copies of my Drivers license showing my current address. I also mailed out a copy of my SSN, and proof of mailing address to no avail. Which is not fair to me because what happens to my personal information if it is not updated in my credit profile? I am disappointed and concerned that my legal rights are being violated.Their are 6 different names on my credit which are all incorrect. Also two of the addresses listed are actual businesses, not single family homes or apartments. My father 's name is even listed, which is incorrect. I am unfairly being hurt by having these addresses and names that do no not belong on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I sent them on XX/XX/2024 copies of the letter I opted out of Dell extended warranty, I called XXXX several times in the last pass year and was told that I have to keep paying until they get this straighten out and what I pay will be refunded to me, that never happened. So I quit paying on something I didn't owe. When I asked for my refund, that when they said I was 30 days late twice. I closed this account out frustration that no one from Dell or Comenity Capital Bank. Comenity couldn't or wouldn't get any information from prior to the sell from Dell Financial, but still was able to charge me for information they couldn't obtain. All I asked that they delete the 30 days late and they didn't need to refund me. 
In option no one research this, only went the misinformation that showed on their computer, if they would look more into I wouldn't being punish for their error.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to submit the necessary documents to verify my identity as per your request. 
Enclosed with this letter, you will find the documents required for the verification process.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXX, and XXXX are reporting inquiries that I do not recognize and did not authorize. These inquiries are causing me damages. 

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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 card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I pay in full my credit card on XX/XX/2023 but they charge me interest because they said after 3 months that they not received my direct deposit on XXXX and so ask my bank for information and they told me that the money was sent to the account with is : CITIBANK BEST BUY VISA.. I call them to make sure they know that the money has been deposited.. but they denied it.. I send all the documents ( from my bank ) they asked me but they didnt give me any solutions.. make me pay again for something that was already paid..!! And know again they asked me to pay more money ..and i refused to do that

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: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My checking/savings account with Bank of America was closed On XX/XX/2024 with over {$51000.00} in it. I transferred it over from my XXXX XXXXXXXX Account due to the many locations around where I live that I could access my money if needed. Going forward my account was closed all of a sudden and now they will not tell me why even after the account has been fully closed. I am still awaiting for them to send me a check still and they will not say when this will happen. How can they even do this?

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX

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: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX IN COLLECTIONS NOT MY ACCOUNTS

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: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am very concerned because Amex notified me that they are reporting this account with an incorrect account number in violation of the FCRA. They are knowingly continuing to report this account. Please see correspondence they sent me. They are taking advantage of me as a consumer by violating federal law and want to hold them accountable.

Company response to consumer: Closed with explanation