vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am writing to bring to your attention a concerning situation I have encountered with Dell and Comenity bank regarding a recent purchase and subsequent return of a laptop. On XX/XX/2024, I purchased a laptop directly from Dell. However, upon its arrival, I discovered that my employer had already arranged to provide me with a laptop. Consequently, on XX/XX/2024, I promptly requested a return of the unopened laptop to Dell.

Dell provided me with a shipping label on XX/XX/2024, and I immediately shipped the laptop back to them. On XX/XX/2024, I received confirmation from Dell that they had received the returned item. However, despite following the established return procedure diligently, I was dismayed to find that as of XX/XX/2024, no credit had been issued to my account for the returned computer. 
Subsequently, on XX/XX/2024, I reached out to Dell 's customer service/ Comenity XXXX XXXX XXXX which is noted on the statement inquire about the delay in processing the refund. Furthermore, I have noticed inaccuracies in my account, including late payment marks and erroneous interest charges, which I believe stem from Dell 's mishandling of the return process and billing errors. I have phoned them XXXX more times including today for a XXXX time with no action. I have emailed them, which I have copies and their reply is to contact Dell, yet the statement it say contact comenity bank. So they give me a run around and I to blame when I call. 
I respectfully request the prompt correction of these issues. Specifically, I seek the issuance of the appropriate credit for the returned laptop and the removal of any adverse marks on my credit report resulting from Dell 's errors. Furthermore, I request a review of any interest charges applied to my account and their subsequent removal if found to be unjustified. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
i have recently checked my credit report and noticed some inaccurate accounts being reported in addition to unauthorized inquiries.

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 2024-04-10 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: AZ

Complaint narrative:
I do not approve of these requests, and they have nothing to do with my financial exercises. I demand that they be removed from my credit report 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 2024-04-10 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: TX

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX DISCOVER XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

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 2024-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable for any debt with XXXXXXXX XXXX nor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, and XXXX, Resulting in the Deletion of this item from my credit file. Yey Equifax could NOT have investigated, the disputes were submitted the same day for all 3 reporting companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I pulled my credit report from XXXX XXXX recently : I noticed 2 separate collection accounts from a company called Van Huffman collection agency. I have never done any business with them. I have never signed any contract with them. I have never given them my consent to pull my private and confidential personal credit report with XXXX XXXX, XXXX, nor XXXX. Yet, they brazenly violated my right of privacy. Then, I reached out to them demanding that they provide me proof that I ever give my consent to pull my private credit report with any of the major credit reporting agency mentioned above. Then, I demanded that they provide me proof that I ever signed any contract with them. In any case, they have never responded because they know that they have fraudulently placed 2 collections in my XXXX XXXX credit report. I demanded that they remove both negative trade lines immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
According to 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. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, XXXX or Transunion written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it 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 non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
According to 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. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave Experian, XXXX or XXXX written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it 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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Resurgent Capital Services L.P., I am writing in response to your recent communication regarding the collection account XXXX. I appreciate the information you have provided, but I must respectfully challenge the validity of this debt.

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the right to request validation of this debt. I am requesting that you provide me with the following : * Verification of the original creditor 's name and address.

* Verification of the original account number and any relevant dates.

* A copy of the signed agreement, contract, or other documents proving that I am responsible for this debt.

* Verification of the amount of the debt, including any fees or interest charges.

Please note that under the FDCPA 809 ( a ), you are required to provide this information within 30 days of receiving this request. Until you have provided the requested validation, I am requesting that you cease all collection activities, including reporting to credit bureaus.

Additionally, the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) stipulates that information reported to credit bureaus must be accurate and verifiable. Failure to provide the requested validation could result in inaccurate reporting, which would be a violation of the FCRA. 
I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
I didn't begin these requests, and I have no alliance with these XXXX XXXX. Kindly remove them from my credit report 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 2024-04-10 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: CA

Complaint narrative:
VICTIM OF IDENTITY THEFT. ACCOUNT OPENED WITHOUT KNOWLEDGE OR CONSENT See Attacged FTC Identity Theft 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 2024-04-10 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: CA

Complaint narrative:
VICTIM OF IDENTITY THEFT. ACCOUNT OPENED WITHOUT KNOWLEDGE OR CONSENT See Attacged FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
VICTIM OF IDENTITY THEFT. ACCOUNT OPENED WITHOUT KNOWLEDGE OR CONSENT See Attacged FTC Identity Theft 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 2024-04-10 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.

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 2024-04-10 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: AZ

Complaint narrative:
I have not made these records and firmly suspect they are tricks. Kindly do an intensive examination and eliminate them from my credit report right away. I have given proof to help my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm profoundly worried about the presence of this late installment for me, particularly taking into account my steady history of making ideal installments. Its presence is causing me huge pain, and I entreat you to redress this blunder speedily by eliminating it from my record.

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 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I financed a truck through credit acceptance unknown to me my interest rate and payment for the car was XXXX for a XXXX  XXXX truck. The vehicle has since been repoed and they sold the truck for XXXX and now I have been served paperwork they are suing me for XXXX. I cant afford legal counsel and need to know my 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
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A business, XXXX XXXX XXXX, had a credit card account with Wells Fargo. The business closed in XXXX, but did not file bankruptcy. Wells Fargo has said that it was guaranteed by XXXX XXXX and myself. I do not believe a personal guarantee was made. At some point, Wells Fargo filed suit against the corporation, XXXX and me. I never received notice. A judgment in favor of Wells Fargo was entered. when I learned of the judgment, I was on the verge of bankruptcy. my home was being foreclosed on was dead broke. Wells Fargo used an attorney to contact me several years after the judgment. I tried to negotiate a settlement without success. I later learned that Wells Fargo had filed to renew the judgment and it was rejected several times. At some point, it was renewed without my knowledge or input. Since then Wells Fargo has contacted me about a settlement. I was offered a deal to settle and only pay 40 % of the amount owed. I told them I would like to speak with XXXX XXXX before agreeing. XXXX said she was not willing to agree. I then asked how I could settle without her. I didnt get a response but a few weeks later a new Wells Fargo rep contacted me about structuring payments on the full amount. I explained that I wanted to take the previous offer. First, I was told that no such offer was made. Wells Fargo uses a secure messaging system that only holds messages for 30 days. Luckily, I had taken a screenshot of the message and sent it to them. They said that offer had expired and it had not been approved by management. I asked them to send me details of their new offer. I still havent received it. I dont think Wells Fargo followed the law to get the original judgment ( I was not served ) or renewal. They definitely have not been fair and upfront about settling 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 explanation