vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
victoria secret - XXXX {$390.00} charged off sold to another collector date of last missed payment XX/XX/year> I am writing to formally request the removal of obsolete information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ). The information in question pertains to an account that has been reported as in collection and has exceeded the seven-year reporting period. Additionally, this account has been sold to another collection agency.

The details of the account are as follows : victoria secret - XXXX {$390.00} charged off sold to another collector date of last missed payment 7/2018 According to Section 605 ( a ) of the FCRA, accounts placed for collection or charged to profit and loss should not be reported after seven years from the date of the first delinquency. As this account exceeds the seven-year period, it must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: NY

Complaint narrative:
Greetings, In Accordance with the Fair Credit Reporting act Convergent Account # XXXX, Has violated My rights. 

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 I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my credit report. The credit bureaus conducted their investigation and concluded that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address. These inaccuracies include [ describe the specific inaccuracies you found, such as incorrect account balances, outdated information, accounts that do not belong to you, etc. ]. 

Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. This has caused me considerable distress and has potentially impacted my credit score and financial standing. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: NY

Complaint narrative:
XXXX XXXX, Social Security Number : ( XXXX ) Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), another account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a phone line account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and XXXX collections accounts opened at XXXX XXXX solutions with a balance of ( {$730.00} ) and another collections with a balance of ( {$530.00} ) that appears related to the aforementioned accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-21 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:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: KY

Complaint narrative:
I owed {$270.00} on a loan from Oportun. They sent me an email offer stating that if I paid {$98.00}, the loan would be settled and I would not owe anything else. The email explicitly stated : After paying the settlement amount as agreed, you will no longer owe a balance and your account will be reported as CHARGED OFFPAID to the credit bureaus. 

I called the number provided to accept the offer on XX/XX/2024 and made the {$98.00} payment during the same phone call. The man I spoke with told me it would be settled as promised once the payment was processed. The payment was processed and accepted on XX/XX/XXXX. However, Oportun still says I owe the remainder of the loan. Instead of settling my loan as promised, they are still claiming I must pay the rest, and continue to harass me with repeated phone calls. I have attempted multiple times to resolve this, by email and phone, and am getting nowhere. First they said I had to wait XXXX days to make sure the payment processed ( even though I could see it already had ). Now they are saying 30 days and continuing to call me asking for the rest of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to my online credit card account for Citibank Costco Visa on XX/XX/XXXX. My last month 's Statement Balance was several days Past Due. When I got to the menu item to select the Amount to Pay Citi clearly showed that the Past Due Amount was nearly {$1000.00}. Also the Current Balance amount was show as the same amount, nearly {$1000.00}. The third choice was to pay a " Custom Amount ''. This was very disturbing to me because I had my Paper Bill which indicated that the now Past Due Amount was just over {$400.00}. In the past this has been a very routine task. I knew the Past Due Amount was less than HALF of what Citi was requiring. So I selected Custom Amount and entered the total of my last Statement Balance, Upon reflection, I realized that this online glitch ( or tactic ) was possibly causing millions of Citi Visa Customers to PAY THE CURRENT ACCOUNT BALANCE AS IF IT WERE PAST DUE... .when the new Current Statement Balance is not due for another 30 Days or so. In effect, Citi Bank Visa was TRICKING it's customers into making credit card payments that were NOT YET DUE. 
I then called Citi Bank Customer Service and spoke with a Representative who claimed no knowledge of this practice. She offered to let me speak to her Supervisor ( named XXXX ) who also claimed ignorance. 
The pending Late Fee was accurate and proper. However, as compensation for the improper bank conduct, I asked that the Late Fee be removed and XXXX refused. I then asked that he have someone at Citi Bank who is aware of the problem to call 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 monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I never have had the chance to get a city bank card. So here 4 years later, I am being charged for a debt that's not mine. XXXX. How can this be repaired?

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 2024-07-21 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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-21 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank

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 2024-07-21 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank XXXX XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Last year, I signed up with XXXX for XXXX high-end tXXXX  and a service. What I received was XXXX inferior pXXXX. I immediately canceled the contracts and sentophones back. Did not activate either phone I never received any bill. Are you any email or any phone call telling me that I owed A bill on XX/XX/XXXX of this year, I was placed on my credit report. I was in collections for {$64.00} for XXXX. I call XXXX and I was told that it would take up to 90 days to resolve the dispute and get it removed from my credit report. Or I could go ahead and pay the {$64.00}. And it would be immediately removed from my credit report and I would get a refund within 90 days of the {$64.00}. I will get a phone call within XXXX to XXXX hours. It will be cleared on my credit report and I would be issued the. Refund since I was trying to get a mortgage for a home. I agreed to pay the {$64.00}. With the understanding, it would be refunded within XXXX hours and it will be removed from my credit report. I heard nothing back. I called today after 2 weeks and it was explained to me that even though I never use our service never activated the phones that I was charged one month for a plan I did not use when I asked why I was never notified of this. They had no answer. They also refused to give me any account number. Whatsoever. So I get file a dispute with this. These people are crooks. They also said it would not be removed by XXXX report because it went into collections. Even though I don't know the bill, it's a fraudulent charge and I was never notified that I owed them any money. It was up to me to notify the creditors. I never activated the phone.Never used our service and certainly and not responsible for any plan.Debt as they claim I owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
Ive submitted countless debt request validation letters. Ive submitted documents Ive called. I spent countless hours on the phone to speeding. These things have never been forwarded accurately and there some are still closed. Still reporting as a negative XXXX refused to just help me out and its causing turmoil and great grief to XXXX XXXX where I cant even get alone I cant even finance a vehicle, I demand they removed everything that is reported accurately, countless data, breaches, etc. 
XXXX XXXX XXXX battery breach XXXX XXXX XXXX XXXX breach I mean, countless that reaches it which is exposed. All my information has caused me to have my credit report completely annihilated with negative information. Its not mine. I demand that they remove this because it should be illegal for them to be so negligent with my personal 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 2024-07-21 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: FL

Complaint narrative:
I am writing to file a complaint regarding identity theft and inaccurate information on my credit report maintained by TransUnion. The following accounts listed on my credit report are not mine and were opened fraudulently as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for these accounts, and I did not authorize the opening of these accounts. As the victim of identity theft, I am requesting that these accounts be removed from my credit report within 4 days, as required by the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

Specific Allegations : Inaccurate information on my credit report : The accounts listed above are not mine and were opened without my consent. 
Failure to investigate and correct the error : TransUnion has failed to properly investigate and correct the error despite my repeated requests. 
Violation of FCRA : TransUnion has violated the FCRA by not removing the disputed accounts from my credit report within 4 days as required.

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 2024-07-21 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: FL

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-07-21 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:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-07-21 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:
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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