vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I got this loan to pay for school in 2021 paid this account off way before the time it needed to be paid off. Its showing I have late payments and marking the closed paid off account as a derogatory, which is hurting my credit and my chances to buy a home. I have requested them many times to remove the derogatory marks that I was never aware of and as well as delete the accounts off my credit report. Ive 2 accounts with them 1 personal loan and 1 auto loan and because of them Im not able to get a good apr on a house Im willing to buy. Please have them delete both of the accounts on my credit report or have them remove all the derogatory delinquency mark off of my credit report. Thank you, I need to updated as soon as possible as Im bout to finish my lease and almost finalizing a mortgage.

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 2024-07-25 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
You may or may not be the proper, we are a small business, XXXX XXXX, XXXX in XXXX, Alabama. We had accepted a credit card XX/XX/year> from a XXXX XXXX for {$1300.00} in purchases at our store. About 3 months later, XXXX charged this amount back to us through XXXX, our bank. We disputed this, and they reinstated the charge, then again charged it back soon after. Their reason was it was a fraudulent card, although we were given proper authorization at the time of the transaction. We had complained again to both our bank, Truist and to XXXX arbitration but to no avail.

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 2024-07-25 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: NY

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX, XXXX XXXX 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 60 days 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. 


XXXX, XXXX XXXX XXXX  XXXX 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was notified by XXXX that they experienced a data breach that contained my information. Their advice was to contact the three credit bureaus to initiate a credit freeze/security freeze. 

I was able to successfully set up online accounts with XXXX and XXXX, but I have been unable to set up an account with Experian. I submitted all of the correct information to them, but they say they were unable to verify my identity, and gave me a phone number to call. 

The phone number is an automated system that sends me through a loop every single time with no option to speak to a live representative on the phone. Overall, this has been an incredibly frustrating experience. 

There is no way to speak to a human being about my online account, and for a company with which I am forced to do business by virtue of being an American citizen with credit, I expect better customer support.

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 2024-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-25 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: NC

Complaint narrative:
{$53.00} XX/XX/XXXX {$140.00} XX/XX/XXXX Ulta received payment for both charges on the same day and Ulta to date XX/XX/XXXX has refused to remove the pending charges. I have never in my life seen a company hold pending charges for this long after receiving payment. Ulta states their policy is to remove pending charges within 3-5 business days, and that is the verbal answer I received when I called on XX/XX/XXXX. I spoke with the Ulta Customer Service Supervisor on XX/XX/XXXX XXXX Employee ID # XXXX and Ulta has failed to follow their own policy and remove the pending charges, with no explanation for the pending charges remaining after 10 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Last year I went to look at purchasing a new vehicle because mine had been totaled. When the dealer ran my credit they said I couldn't be financed because there was a repo on my report from capital one. I called XXXX XXXX to see what was going on XXXX I believed that my prior vehicle had been paid off. Turns out I still owed $ XXXX {$900.00}. So I made a settlement agreement and started making payments. I paid it off pretty quick so I could get another vehicle. Made my last payment around XX/XX/XXXX. A few months later capital one updated my account with the credit bureaus. So it then showed at paid/closed and I bought about vehicle in XXXX of XXXX ( the XXXX XXXX account still showed as closed/paid ). I then received an email from XXXX XXXX today stating that I owed them over {$800.00}! I called them immediately. They proceeded to tell me that my last payment ( from XXXX of last year ) had been returned 3 days after it was made! If this was the case why did they update my account with the credit bureaus months later to closed and paid? Why did they not send me one letter or email? Why did it take them a year to send me an email? If doesn't make any sense that I would make all my payments in quick succession to get it paid off and then mess up on the last payment! But to wait a year? With no letter or anything???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: IN

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. 


( XXXX XXXX, XXXX XXXX, UXXXX XXXX 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 XXXX  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 non-monetary relief
Consumer complaint received 2024-07-25 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: MN

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I had XXXX $ XXXX from my account from an out of town ATM filed a dispute immediately next day hit with a denial filed a rebuttal and provided proof and still denied then XX/XX/XXXX I had XXXX $ stolen from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
In acordance with the fair credit reporting act the follow information is inaccurate and has violate my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

For several months, I have been disputing incorrect information regarding these accounts and the discrepancies between the credit bureaus ; however, there has been no resolution on this matter, which led me to file a complaint previously. They still consider the information correct even though its inaccuracy has been demonstrated. Therefore, I am filing a new complaint now, specifying the violations that were incurred here. 

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.

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 2024-07-25 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: CA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
In acordance with the fair credit reporting act the follow information is inaccurate and has violate my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

For several months, I have been disputing incorrect information regarding these accounts and the discrepancies between the credit bureaus ; however, there has been no resolution on this matter, which led me to file a complaint previously. They still consider the information correct even though its inaccuracy has been demonstrated. Therefore, I am filing a new complaint now, specifying the violations that were incurred here.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.

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 2024-07-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
SYNCB/BELK  
Inquiry date  
09.15.2023    
Complete Department Stores 
(800) 669-6550  
Address  
PO BOX 965028  ORLANDO, FL 32896  

SYNCB/BELK  
Inquiry date  
11.19.2022   
Complete Department Stores
(800) 669-6550  
Address  
PO BOX 965028  ORLANDO, FL 32896  

CAP ONE NA  
Inquiry date  
03.22.2024  
Bank Credit Cards  
(800) 227-4825  
Address  
PO BOX 30281  SALT LAKE CITY, UT 84130

CAP ONE NA  
Inquiry date  
02.15.2024   
Bank Credit Cards  
(800) 227-4825  
Address  
PO BOX 30281  SALT LAKE CITY, UT 84130  
  
BK OF AMER  
Inquiry date  
12.16.2022   
Bank Credit Cards  
(800) 421-2110  
Address  
PO BOX 982238  EL PASO, TX 79998  

BK OF AMER  
Inquiry date  
07.29.2023   
Bank Credit Cards  
(800) 421-2110  
Address  
PO BOX 982238  EL PASO, TX 79998  

BK OF AMER  
Inquiry date  
09.15.2023   
Bank Credit Cards  
(800) 421-2110  
Address  
PO BOX 982238  EL PASO, TX 79998  

REVVI/MRVBANKS/VT
Inquiry date
07.05.2023
All Banks - non specific
Phone number
(573) 883-8222
Address
2700 SOUTH LAKE LORRAINE SIOUX FALLS, SD 57106

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 2024-07-25 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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 previously notified you on XXXX that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from identitytheft.gov, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : XXXX XXXX XXXX A statement by the consumer that the information is not information relating to any transaction by the consumer - which I have previously stated per the letter sent on XXXX but alas I reiterate once again that this information is not any information relating to any transaction by me as a consumer.

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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
There are 2 collection accounts on my credit file. I have tried 3 months in a row to get information regarding the collection acounts. I have disputed them with all 3 credit beaurus as well as requested information from the collection agencies involved. I have not recieved any information about the validity of the accounts from anyone, and I do not recognize the companies involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a fraud alert on my file and XXXX removed one of the collection accounts and placed a fraud alert as well. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief