vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
I believe FCRA 605B necessitates the removal of any wrong accounts from my credit report. Can you inspect the documents? Some accounts listed have incorrect reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXX, I signed into XXXX and submitted my payment for {$200.00}. It said the payment was being processed and I entered my email to get a receipt for the payment. I never got this email. 
On XX/XX/XXXX, I noticed that the payment never went through and called customer service to handle the issue. After doing research into Comenity, I saw many others were having issues with this company, so I wanted to close my card.

At this point, a late fee had been charged since my payment " didn't go through '' and I spoke with customer service to remove this late fee. She did, and she helped me make my final payment and close my account. I made a payment of {$200.00} on XX/XX/XXXX and closed my account. Still never received an email for the payment made, or papers in the mail for my account being closed. 
On XX/XX/XXXX, I received a bill in the mail saying I still owed {$8.00}. I called Comenity customer service, and they said that this is because of the residual interest on my account, ie. interest accrued in between the day of my statement on XX/XX/XXXX and XX/XX/XXXX that does not show up on the account balance. They charged me {$2.00} in interest on XX/XX/XXXX, added another {$3.00} interest and {$2.00} late fee on the statement on XX/XX/XXXX, for a total of {$8.00}. I called Comenity to clear this up again on XX/XX/XXXX and they refused to remove the late fees, or acknowledge their error by misleading me to believe I had paid off my account and closed the account in full on XX/XX/XXXX. They said in order to pay off my account in full, I would need to pay {$10.00} including the residual interest that had accrued since my statement billing, as well as {$9.00} fee for paying through customer service. If I pay online, I can not pay more than {$8.00} since the statement balance does not update until the next billing cycle. Out of frustration, I hung up because these fees are just ridiculous in the first place. 
I called back on XX/XX/XXXX, and was informed that now, since I am 2 days past my due date, I will be charged {$8.00} late fee and whatever additional interest accrues on my account. 
This company is a scam. I am paying these fees because I want the issue to be done with and never hear from Comenity again. Additionally, this company has caused my credit score to take a hit from these " late payments '', which is beyond frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
I am writing to formally request the removal of a closed account from my credit report. I have reviewed my credit report and have identified that the closed account information is incorrect and negatively affecting my credit score. The specific reasons for my dispute are as follows : The account was closed in good standing and should not negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: GA

Complaint narrative:
THE FEW ACCOUNTS I HAVE WITH THIS COMPANY ARE OVER XXXX OLD. THE COMPANY UPDATED INFORMATION WHICH IS INCORRECT AND IS SHOWING NEGATIVE MONTHLY ON MY CREDIT REPORT. THE ACCOUNTS ARE OLD AND NEED TO BE REMIOVED.

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 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: NY

Complaint narrative:
Name : Jefferson Capital Syst Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contact Information : ( XXXX ) XXXX Product : Debt Collection Description of the Complaint : I am filing a complaint against Jefferson Capital Syst for violating my rights under U.S. Code, Title 15. They obtained my personal information illegally without my consent, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

When I called them to issue a cease and desist order, I was surprised to find out that this was not the first time they had violated my rights. Jefferson Capital Syst admitted to repeatedly violating my rights by accessing my personal information without consent. Additionally, reports show the account with incorrect balance. I did not consent to the original creditors to share or sell my personal information to them.

Unauthorized Access to Personal Information : Jefferson Capital Syst obta
ined my personal information without my consent, in violation of 15 U.S.C. 1681b ( FCRA ).

Estimated number of violations : 1.

Misrepresentation and Incorrect Reporting : Jefferson Capital Syst reported accounts with incorrect balances, violating 15 U.S.C. 1692e ( FDCPA ).

Estimated number of accounts with incorrect balances : 1. 
Repeated Violations : XXXX XXXX XXXX has a history of repeatedly violating my rights. 
Estimated number of previous violations:1.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: GA

Complaint narrative:
My account with ( DPT EDXXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( DPT ED/XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
DEAR DEFENDANT : UNITED REVENUE LLC STOP VIOLATING THE FDCPA USC 1692D I HAVE NO BUSINESS WITH YOUR COMPANY IM ASKNG YOU TO REMOVE THIS ALLEGED ACCOUNT FROM MY CONSUMER REPORTS. CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS XXXX XXXX XXXX, I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT PLEASE STOP HARRASSING ME AND FALSE REPORTING IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL MOVE TO LITIGATION FOR TREBLE DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I closed my savings and checking account with Chime because I was unable to transfer funds out. It took 3 weeks for me to receive my closing check for {$23000.00}. I deposited in my local account and waited the required days for it to be released and transferred the majority to another higher interest account ( 5 % ). A few days later I received a notice that the check had bounced. When I called my bank they said the issuer of the check canceled it saying insufficient funds. I called and spent over an hour on the phone trying to figure out where my money was and getting a refund for the bounced check fees. At the end of the call I was told 3 check that would add up the the full amount had already been mailed out and I would receive the {$50.00} in bounced check fees. I waited 2 weeks and when no checks appeared I called back to be told that the checks had been returned, no reason given, they had my address, the first one made it, I'm not even sure they really mailed them ..... The rep said he would just need a min to get a new check expedited, 45 min later he said he could not speed it up and it could take up to another month before I get a new check. This had cost me over 3 hours on the phone, over {$300.00} in lost interest and a ton of stress and worry that my life savings is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score account name XXXX XXXX XXXX Account Number : XXXX. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-13 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: IL

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files

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 2024-06-13 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief