vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
I am writing to formally request your assistance in addressing and correcting inaccuracies on my credit report. These discrepancies persist despite my attempts to resolve them with the credit reporting agencies ( CRAs ) and creditors directly. I believe these issues represent violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I sent dispute letters on to the CRA 's on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024 requesting removal from my credit reporting some have been removed, yet the following remain on my credit reports. 


XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. DEPTEDXXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Account # 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 2024-12-14 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$920.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  Unknown # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Bread financial is denying me a bread pay loan and they are using an internal score but telling me Im being denied based on my credit score. ( According to the CFPB : Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. ) Ive submitted previously and no one is listening to me! I think they are denying me due to a previous issue I had made a complaint to their executive office!

And now they took away the option for me to even reapply! ( They gave my husband a denial yet he still got a loan! )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: AL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-14 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:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
this compliant against one of the larger bank in the banking system. i am a client of this bank for 20 year. never had any problem with the bank in XXXX some 10 year i apply for a cash vise credit card with this bank in XXXX my credit was XXXX TD bank lower my credit year after year. there is ma pattern in they practice. after ten year of doing business with TXXXX bank. The XXXX have got biggest i make a charger and it a leager charger and i pay it off in two of three week. i noction that went i pay a lager payment someone inthe drop my available balance iam drown from XXXX to XXXX why?. on XX/XX/XXXX my went drown XXXX in XX/XX/XXXX the balance was XXXX the plaintiff pay XXXX, in spet XXXX after the payment they my to credit limit XXXX now on XX/XX/XXXX XXXX was XXXX with a payment of XXXX then on or about XXXX XXXX i pay XXXX but i notice that my credit limed is now XXXX with a available XXXX this is a pattem TD bank have destroy credit for the last nine year from a XXXX credit to a XXXX XXXX XXXX all because of TD bank if that not discrimination. XXXX file compliant with the Department of justice for discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/year> was 45 days for XXXX to dispute the Capital One concern and they failed to comply so a supervisor sent a request for the closed dispute letter to be sent to me and Capital One Dispute Department and XXXX XXXX CEO have failed to comply. Letter sent today once again to XXXX XXXX CEO of Capital One to try and resolve this so I can move forward and get rid of Capital One once and for all ... ... .Once again, Capital One is not in compliance of the laws with reference to a CC Dispute. Once again, Capital One Dispute Department is in violation of my rights and I am tired of talking to Capital One Employees and being put on hold constantly. Dispute with XXXX in the amount of {$60.00} # XXXX is over, XXXX failed to address this dispute within the 45 day response time required by law, they only responded to the other dispute # XXXX which is now closed. A request for a close letter was sent on XX/XX/year>, the XXXX day by one of your supervisors to the dispute department, requesting the close letter and I am still waiting on said letter and being XXXX around once again when I called today so I recorded this Capital Once Call as well which is legal in the state of Michigan as long as one person on the call knows this " ME '', nothing was accomplished and then I was being transferred once again to a supervisor to start all over, this is no longer acceptable! I AM PREPARED TO TAKE THIS TO A COURT OF LAW XXXX XXXX IF YOUR DISPUTE DEPARTMENT DOES NOT IMMEDIATELY COMPLY AND PROVIDE THE CLOSED LETTER SO THAT I MAY GET RID OF CAPITAL ONE ONCE AND FOR ALL, YOU HAVE BEEN WARNED A FINAL TIME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-14 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: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am XXXX : XXXX, the agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is showing a late payment for the month of XXXX in XXXX  and XXXX is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with Penny Mac Loan Services and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I was contacted by Columbia Debt Recovery regarding a debt of {$400.00}. This debt allegedly stems from move-out charges for repainting one windowsill trim, which they claim was necessary due to " wear and tear '' upon my departure from the property. The issue in claim was a water ring left from a cup. 

I believe this charge is unjustified, as routine wear and tear is a normal part of tenancy and should not result in additional charges to tenants. I requested evidence to substantiate the claim, including invoices, receipts, or photographs documenting the condition of the trim and why repainting was deemed necessary. However, I have not received any such documentation from the company. 

This lack of transparency and failure to provide proof raises concerns about the validity of the debt. I have attempted to resolve the matter but have not received adequate responses or evidence supporting the charge. I am requesting that the CFPB review this situation and assist in holding the company accountable for providing clear, accurate, and documented proof of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
On a Lexis Nexis XXXX Report regarding a Not-at-Fault Accident on XX/XX/XXXX, where Lexis Nexis has XXXX XXXX incorrectly listed as the driver of the accident. New York State Motor Vehicle Accident report shows that my XXXX XXXX XXXX was legally parked and unattended in this incident. I have attached XXXX 's Letter of Experience, which clearly shows a blank box in the percentage at fault box. I have also attached a copy of the NYS MVR. No person or driver was in my parked XXXX XXXX when it was struck by another car, which left the accident scene. 

I am the owner of the XXXX XXXX XXXX. This incorrect information is on my Lexis Nexis XXXX report and is causing excessive auto insurance rates. 

Please look at these documents. I would appreciate it if the accident was removed from XXXX record on the Lexis Nexis XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
My lease ( # XXXX ) payment was due XX/XX/year>. I paid it via the Ford Motor Credit website the morning of XX/XX/year>. This morning, I received notice that to avoid a late payment, XXXX was charging me {$270.00} in addition to the monthly lease payment of {$840.00}. When I explained that I made the payment on line the morning of the day it was due, I was advised that it did not process that day so to avoid XXXX reporting my payment as late to the CRAs, they charge the {$270.00} fee. This is pure extortion. They control the payment mechanism. If processing takes several days, when they send out the notice of the payment being due, they should warn customers to process it several days in advance. This smells like a trap to suck an extra charge from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
The company is breaking the law by failing to provide proper validation details as rerquested under 156SC 16828. Despite this they have added a collection to my credit report.I have already tried to resolve this issue directly with them but they continue to violate my rights. For each violation I am entitled to {$1000.00} that they must either compensate me or remove these accounts immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I made numerous attempts to have old inaccurate deleted from my credit report. I haven't had any compliance with this matter. Experian has been reporting inaccurate and reinstating old information that hasn't been verified with me. This is a violation of FdCPA and the fcra consumer laws 15 usc 1681 and 1692.

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 2024-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/year> there was a hard inquiry on my credit report that I did not apply for. I called Capital One and they told me there was no application in process. They suggested I call the credit bureaus. I called XXXX and they suggested I report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> XXXX Company : XXXX XXXX XXXX Contacted XXXX XX/XX/XXXX, was advised there was no account under my name. They couldnt help me refund since someone used my information accidentally they are not able to do anything. They advised to contact Cash app/banking institution. 

Contacted Cash app via chat and phone call, they have been incompetent. Opening multiple cases, going around circles and not providing any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

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 2024-12-14 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief