vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
Credit Report Disputes Unresolved - FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing multiple unresolved credit reporting discrepancies with Experian, XXXX, and XXXX. On XX/XX/2024, I sent certified mail to all three credit bureaus, requesting reinvestigation and deletion of inaccurate information from my credit reports. My request was based on my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to investigate and correct these inaccuracies, which is a direct violation of my rights under the FCRA. 

Summary of Actions Taken : On XX/XX/2024, I mailed certified dispute letters to Experian, XXXX, and XXXX requesting reinvestigation of erroneous accounts. 
I provided supporting evidence and clearly outlined the inaccuracies in my reports. 
Despite the XXXX response period mandated by the FCRA, none of the bureaus have addressed the discrepancies or provided resolution. 
Issues with the Credit Reports : XXXX : XXXX Account XXXX XXXX XXXX  {$290.00} XXXX XXXX  XXXX XXXX XXXX {$79.00} XXXX of XXXX ( XXXX XXXX XXXX XXXX {$1800.00}, {$1100.00}, {$3000.00} XXXX XXXX XXXX  : {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} I.C. XXXX XXXX : {$320.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXXXXXX XXXX {$1300.00} XXXX : XXXX Account XXXXXXXX XXXX XXXX  {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX$79.00} XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Bank XXXX {$560.00} Experian : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$1800.00}, {$3000.00}, {$1100.00}, {$4500.00} XXXX XXXX XXXX  : {$79.00XXXX XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  : {$320.00} XXXXXXXX XXXX XXXX XXXX {$560.00} These accounts are not mine, and I have no knowledge of their origin. Despite many attempts to resolve these matters directly with the bureaus, the errors persist on my credit reports, causing harm to my creditworthiness and financial well-being. 

I request the CFPB 's assistance in ensuring the credit bureaus comply with their obligations under the FCRA to investigate these disputes promptly delete and remove any inaccurate or unverifiable information. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex electronic gift card does not work anywhere online despite being advertised as being widely accepted. They say that " Your American Express eGift Card may be used at US merchants that accept American Express Cards '' on the website, but this is clearly not the case. 

I have tried using it to pay my XXXX XXXX XXXX XXXX XXXX, but now it no longer works as an accepted method of payment. I tried using it at XXXXXXXX XXXX but it was declined. I have also tried using it at XXXX, but it was declined as well and there is a pending hold on the gift card balance. I have tried doing this in the span of XX/XX/year> to XX/XX/year> and no sucessful results. I do not know how I can use theis gift card and without a physical card I can not use it in any retailer. My worry is now the cash is stuck in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was unable to use my TransUnion online account again because it was having issue, as it had for many weeks intermittently prior. A TransUnion Representative in the fraud department, " XXXX '' ( was both rude and unprofessional ) took my dispute over the phone after i told them I did not want to because I wanted to attach the supporting documentation needed for fraud/identity theft. Also, she kept deflecting and saying that she saw I had submitted a complaint to the CFPB ( a minimum of 3-4 times ) which had nothing to do with my conversation about my disputes with her. I was deceptively assured by several agents that day that this information was already on my file for the previous dispute and would be attached which was the only reason I provided the account information I wanted disputed to the representative. I VERBALLY SAID I DO NOT WANT TO DO MY REPORT ON THE PHONE IF I CAN NOT ATTACH MY FTC REPORT, ID FILES, POLICE REPORT AS SUPPORTING DOCUMENTS BECAUSE I WANTED THE MATTER RESOLVED WITHIN 4 BUSINESS DAYS IN ACCORDANCE TO MY RIGHTS UNDER FCRA 605B. After doing this, I was told the investigation was take 30 days despite my demands for it to be removed within 4 business days under FCRA 605b. The company is now saying they do not have the information/documents they need and they're unlawfully forcing me to remain with incorrect information on my report that is causing me financial harm - knowing that they have my police report number and FTC report on file, along with the request to block this information that was emailed on XX/XX/XXXX and XX/XX/XXXX with all required documents supporting my claim of identity theft attached. This was emailed to XXXX as I was directed to do. They continue to mishandle my disputes and I am requesting action from regulatory bodies regarding their continuous disregard for my rights 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 non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o TransUnion : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

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 2024-12-20 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: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and Issues 1. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o TransUnion : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

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 2024-12-20 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
L Nature of the Issue : 1. There is evidence of fraudulent activity associated with my account ( s ), which I believe violates consumer protection laws under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

2. False or inaccurate information reported by your institution has negatively impacted my credit profile, restricting my ability to obtain credit, employment, and other essential opportunities.

Under the FCRA, you are obligated to : Ensure the accuracy and completeness of the information you report.

Investigate disputes of inaccurate information promptly and thoroughly.

Correct or remove any verified inaccuracies.

Additionally, if fraudulent activity has occurred, your institution is required to take corrective action to safeguard my account and provide detailed documentation of the investigation findings.

Requested Action : I request the following : 1. An immediate investigation into the alleged fraudulent activity.

2. A correction or removal of any inaccurate information reported to credit bureaus.

3. Written confirmation of the steps taken to resolve these issues.

Failure to address these concerns may result in legal action, including the filing of complaints with regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) and state attorney general offices. 

I trust that your institution values its compliance with federal and state laws and will take this matter seriously. Please respond within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have two account with XXXX. A XXXX credit and a XXXX cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. XXXX bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to XXXX and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX account with XXXX. A XXXX credit and a XXXX cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a zero balance on both. XXXX bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to XXXX and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have XXXX account with PayPal. A PayPal credit and a PayPal XXXX XXXX. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. PayPal/Synchony bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to PayPal and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I recently acquired a new credit card from AAA Advantage Visa Signature handled by Comenity. My first payment was due on XX/XX/XXXX. I always like to pay on the due date in full to avoid any late fees & interest charges. So I paid this first bill for {$97.00} On XX/XX/XXXX at XXXXXXXX XXXX. The second bill was due on XX/XX/XXXX. This bill was for XXXX and again I paid the amount in full at XXXXXXXX XXXX  on XX/XX/XXXX. Well I get my bills via mail and somehow I didn't have my bill due for XXXX so I just paid this amount. Well after I paid my second bill, I happened to look at the bill online and found to my surprise that they had charged me a {$30.00} late fee for my XXXX payment on XX/XX/XXXX. So I called Comenity on XX/XX/XXXX to find out why I was charged the {$30.00} late fee. They said I was charged the late fee due to paying past the XXXX cutoff time. I told them that every other credit card that I have has a XXXX cutoff time on due date. The XXXX cutoff time is usualIy for mail in payments. I told them that I had no idea that the cutoff time was XXXX unlike every other credit card company. The online cutoff time of XXXX is for the convenience of paying online. I asked if I could get a refund on the {$30.00} late fees but the best that they would offer was {$15.00}. I wasn't satisfied with this. Here I am new to this card not knowing this early cutoff time and I'm being charged late fees even though I paid both bills in full. I asked to talk to a supervisor and I got the same result. I'm not happy. Here I am with total charges of {$240.00} for the first XXXX months of this card and I'm paying late fees of {$60.00} or almost $ 25 % penalty. It's just not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I received an email from the company with a link that said " XXXX XXXX XXXX XXXX  ''. I thought my credit file was already locked so I clicked the link to make sure. When I clicked the link and locked my credit file, this action signed me up for a paid subscription with Experian, which I did not want. Furthermore, they had my credit card information, which I never entered into their system or provided to them. I called the company and requested a refund, which they initially denied. They eventually issued a refund after I escalated the issue. 

I researched to see if this happened to other folks, and on the website XXXX, there are many others who have faced this exact same fraud. I will be speaking with legal authorities.

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 monetary relief