vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( 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 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 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 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 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 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 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  TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 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
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$99.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$99.00} Inquiries to be blocked : XXXXXXXX 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
Consumer complaint received 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year> around XXXX XXXX  EST i attempted to create an account with Transunion to dispute numerous incorrect information on my credit report. After completing the verification of identity, the site tried to make me purchase a subscription to be able too get an account with them to dispute it. This is in direct violation of the Fair Credit Reporting Act.

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 2024-12-07 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: NV

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. 
XXXX XXXX XXXX. Account ending in XXXX, XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX account beginning with XXXX posted on credit report agencies has violated my rights 15 U.S.C 1601 15 U.S.C 1681IB 15 I.S.C 1692C has all been violated 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 2024-12-07 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: NV

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. 
XXXX XXXX XXXX. Account ending in XXXX, XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX account beginning with XXXX posted on credit report agencies has violated my rights 15 U.S.C 1601 15 U.S.C 1681IB 15 I.S.C 1692C has all been violated 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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: MI

Complaint narrative:
Cherry Technologies has 2 fraudulent accounts on my consumer reports. XXXX XXXX Charge off. Opened XXXX XXXX. {$120.00} This is Identity Theft I filed an Identity Theft Affidavit and Police Report registered notarized and signed mail received XXXX XXXX XXXX by XXXX, XXXX, XXXX, it still has not been removed. Please Delete both accounts immediately. On XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} Charged off and XXXX XXXXXXXX {$120.00} Charged off. Opened XX/XX/XXXX amount {$120.00}. Delete both accounts fraud. XXXX both listed Charge offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have several inquiries on my credit report and I have not applied for anything over the last year or so.

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 2024-12-07 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
I have several inquiries on my credit report and I have not applied for anything over the last year or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had made a payment arrangement over the phone with customer service agent because I was having trouble paying my bill In XXXX the payment agreement was fulfilled from my checking account. XXXX and XX/XX/year> were not auto payed. My payments should have continued to be auto payed Now I owe 2 months at {$67.00} and it has affected my credit report in negative way I expressed auto payment to continue Please help me with this Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I contacted Equifax to request the removal of outdated and incorrect personal information from my credit report. Specifically, I asked them to delete all previous addresses, phone numbers, and employment details and to update my report to reflect only the correct information : Name : XXXX XXXX XXXX of Birth : XX/XX/year> Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Equifax responded by requesting documents that I can not provide, such as a Social Security card, paystub, or W-2. As a former XXXX XXXX XXXX XXXX XXXX XXXX, I do not have these documents. I provided alternative forms of identification, including a copy of my passport, XXXX XXXX, and proof of my current address ( e.g. Untility Bill ). However, Equifax has not accepted these documents or updated my credit report. 

Their refusal to accept valid alternative documentation has prevented me from correcting my credit report, causing confusion and potential harm to my credit profile. I am requesting that Equifax be required to accept my alternative documentation and remove the incorrect personal information in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sunbit, Inc.
State: CA

Complaint narrative:
two months ago, I opened a credit card. There was an error because in two months later that credit card expired. The credit card company did not know it and they have not issued me a new one. I had to call them and ask him why it was declined. I can not make any transactions until I receive my physical card. Im the customer and they are the business and I feel slighted. What can I do about this? I already talk to their supervisor and they said theyre gon na submit a complaint and investigate. In the meantime, I dont have the money. What are my next moves to get justice? Sunbitcredit card. It was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: IN

Complaint narrative:
I have sent emails to the company because you can not get a hold of anyone over the phone. Email responses from the company only state that they provide an amortization schedule and they do not have online account access. They never address a monthly billing statement. 

I want to know how my money is being applied every month when it's debited from my checking account. An amortrization schedule is ok to begin a loan with, and says what is supposed to happen each month, but that does not physically show me how the transaction was applied. 

Initial email was sent on XX/XX/year> BHG responded on XX/XX/year> Secondary email was sent on XX/XX/year> BHG responded on XX/XX/year> A third email was sent on XX/XX/year> to which BHG never responded when I asked to escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital one send me an emil saying that some people have an access to my acount an i need to change my passward or emil.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX and their mishandling of the reporting on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX claims that I missed a payment in XXXX of XXXX, an allegation I firmly dispute, as I have maintained consistent and on-time payments throughout my relationship with them. Despite my efforts over the course of several years to dispute this inaccuracy, each investigation conducted by the credit bureaus has concluded that the reported late payment is " verified, '' yet no tangible proof has ever been provided to substantiate this claim. 

Credit reporting agencies are obligated to ensure that all reported information is accurate and substantiated. This repeated failure to provide proof of the alleged late payment is a violation of my rights under the FCRA. XXXX XXXX has not been able to supply the necessary documentation to prove that a missed payment occurred, despite my numerous requests for verification, including the original statement and payment records from that time. 

This willful non-compliance by XXXX XXXX and the subsequent failure of the credit bureaus to address the issue properly have caused significant harm to my credit profile. As a result, I have been unjustly penalized for something that is not only incorrect but unverified. Such negligence has gone on for far too long and is a clear and blatant violation of my rights as a consumer. 

The continued reporting of this erroneous late payment without adequate proof is unacceptable and warrants immediate correction. If the disputed late payment can not be verified with concrete evidence, by law, it must be removed from my credit report. Should this matter not be rectified promptly, other avenues will have to be explored.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently had my credit pulled for a mortgage and to my surprise, Equifax is not reporting any of my open accounts. Only old closed accounts. I reach out to Equifax and they had no idea what happened. Also, I reached out to each creditor that should be listed on my credit report and each confirmed that they send the information each month. This can be further confirmed as XXXX and XXXX both have recent payment history from each credit as of XX/XX/year>. Equifax needs to update my credit report with the correct information for the XXXX open accounts that I have. By law, these are record to show on my report if the creditor sends them each month to be report. Which they do send each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
To whom it may concern : I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
the information they are reporting to my profile is false and according the the law 15 use 169c ( c ) all inaccurate information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Purchased XXXX XXXX airfare with AMEX on XXXX on XXXX in amount of {$3800.00}. Flight was canceled due to covid. XXXX XXXX failed to provide travel credit or refund despite documented subsequent travel on XXXX XXXX within the two-year credit window. Airlines knowingly withhold services until after customary credit dispute window has lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding an error by Capital One in cashing my XXXX XXXX  check, issued by the XXXXXXXX XXXX XXXX XXXX XXXX for {$1000.00}, to my neighbor instead of to me, the rightful payee. 

Problem Description : I received a XXXX XXXX check in the amount of {$1000.00}, which was intended for me as part of the XXXX  program. The check was incorrectly delivered to my neighbor by the mailman and my neighbor proceeded to open and sign the check. Then mobile deposited the check to his capital one bank account. 
Despite the check being issued in my name, Capital One allowed the check to be deposited and cashed by my neighbor. 
I have contacted Capital One multiple times to request an explanation and documentation regarding this error. However, the bank has refused to provide any supporting documentation or a clear explanation of how this mistake occurred. 

Impact : This error has caused me significant inconvenience, as I am unable to access the funds owed to me. Additionally, the lack of transparency and refusal to provide documentation has left me with no recourse to resolve this issue directly. 

Thank you for your immediate attention to this matter. Please contact me at XXXX ) XXXX or XXXX if you require additional details. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. THESE ACCOUNTS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE IN LITIGATION. ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST EQUIFAX, XXXX AND XXXX AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. THESE ACCOUNTS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE IN LITIGATION. ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST XXXX, XXXX AND EXPERIAN AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation