vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am an XXXX XXXX member of the XXXX XXXX XXXX XXXXXXXX. However, my interest rate is still above that set forth in SCRA benefits description. additionally I am currently XXXX XXXX XXXX where there are state modifications to SCRA benefits outlined in Louisiana statute 29:312 ( see below ) : 29:312. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/year>, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is deployed on active duty. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 

C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on active duty, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to active duty and of any orders further extending active duty, not later than one hundred eighty days after the date of the person 's termination of or release from active duty.

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on active duty.

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on active duty to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on active duty.

Acts 2005, No. 296, 1, eff
. June 29, 2005.

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 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have received a letter from Barclays dated XX/XX/year>, in response to my dispute letter sent on XX/XX/year>, about my account. However, they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter. Let me reiterate and expand on the key points : 1. Request for Validation and Specific Proof : In my previous correspondence, I specifically requested evidence in accordance with 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ) that validates the accuracy of the negative reports issued to the credit agencies. 
2. Lack of Evidence in their Response : their letter does not provide adequate documentation to support. 

In their letter they also declined to provide the requested proof that I'm asking by Law

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 2024-12-02 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: GA

Complaint narrative:
I contacted Equifax regarding incorrect address on my credit report. I ask for proof of address and it was never received to me. The address thats incorrect is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent out a letter to Equifax, XXXX, and XXXX on XX/XX/year> and none have responded it is now XX/XX/year> XXXX claims that because of there policy I can not dispute an address a company ( XXXX  XXXX ) is reporting even tho its inaccurate so meaning that they think that there policy is above the federal law which state that a consumer can dispute any information that are inaccurate which is effecting my rights to equal credit I also I also would like them to reinvestigate XXXX  XXXX and XXXX XXXX for failing to respond to my validation letter as well as Equifax and XXXX my consumer profile should be correct and fix to reflect that its 100 % accurate as per law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: CO

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. YOU MUST UPDATE EACH ACCOUNT LISTED BECAUSE IT IS MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE FOR.THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE TO PAID AS AGREED, PAID ON TIME, NEVER LATE : ( DEPT OF ED ( DEPT OF ED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Credible Labs Inc.
State: OH

Complaint narrative:
XXXX. XX/XX/2024, I applied with Credible ( XXXX ) as a co-signer for a private student loan. Upon submitting my credit application, I received an immediate online response stating, " unable to IDENTIFY prequalified rates for you from lenders on our marketplace based on the LENDER 'S ELIGIBILITY CRITERIA ''. ( 1 ) Credible FAILED TO PROVIDE LENDER 'S ELIGIBILITY CRITERIA PRIOR to the application for credit - did NOT make eligibility criteria available/easily accessible ; inhibiting me from making a good decision in the use of my credit. ( 2 ) Credible FAILED TO PROVIDE PROPER ADVERSE ACTION NOTICE. Credible 's adverse actions were all named to the primary applicant, neglecting my opportunity to view any adverse action taken against my application for credit ; I DID NOT receive an adverse action. I requested Credible return my original application, as it is no longer needed to process any extension of credit. Although I provided Credible with ample time to return the application, the CFPB regulations to preservation of records, and additional statutes stating the consumer has the right to request their original application, ( 3 ) Credible staff refused to return my original application - stating their company policy has their own retention rules and has further, ignored the my additional requests for my application, with no regard to CFPB and/or FTC law .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Fraudulent charges of {$7800.00} on business checking account. Initiated online with product picked up in person. Multiple requests to have money refunded due to unauthorized transaction. Wells Fargo very vague in how they determined there was not fraud. Repeated requests to have case reopened and escalated, but no change in outcome. Case remains denied and closed

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/year> I got an alert of credit inquiry made and approved for XXXX and then thereafter another one for Comenity Capital Bank. Credit was secured under my maiden name, that has not been my official name in MANY years. I am not aware of any theft, so I suspect this is due to a data breach where perhaps my social has been compromised. I was mailed credit cards for both XXXX XXXX XXXX XXXX XXXX & Comenity Capital Bank - Ulta mastercard. I filed disputes on both with XXXX, XXXX and XXXX. I also put a freeze on my credit with these bureaus. I also directly contacted/alerted XXXX & Comenity and they have these accounts under investigation now. Another attempt was made to obtain credit for Big Lots but was not successful due to the credit freeze I put in place. 

I learned both fraudulently opened accounts have balances as follows : XXXX : XXXX Comenity : XXXX I have not applied for any credit cards and do not have the need to nor any future plans to apply for any new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are several accounts on my XXXX, TransUnion, and XXXX reports that are reporting inaccurate and unverifiable information. The accounts are three different accounts from XXXX XXXX XXXX  and one account from XXXX and an account from XXXX XXXX. I can not put my account numbers in this public complaint however I have attached letters detailing everything.These accounts violate several FCRA laws and contribute to harm in several ways. I have addressed each account in full detail In the letters attached. Please review each letter pertaining to each account carefully.

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 2024-12-02 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: OK

Complaint narrative:
There are several accounts on my XXXX, XXXX, and XXXX reports that are reporting inaccurate and unverifiable information. The accounts are three different accounts from XXXX XXXX XXXX  and one account from XXXX and an account from XXXX XXXX. I can not put my account numbers in this public complaint however I have attached letters detailing everything.These accounts violate several FCRA laws and contribute to harm in several ways. I have addressed each account in full detail In the letters attached. Please review each letter pertaining to each account carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> I XXXX XXXX called XXXX XXXX  to discuss an Pay to delete I Paid {$400.00} to XXXX XXXX ( XXXX XXXX  Collection agency. 
CONFIRMATION # XXXX XXXX XXXX XXXX XXXX PAID IN FULL XXXX XXXX STATED THEY DO NOT CREDIT REPORT PAYMENTS BUT WILL TELL XXXX XXXX  SO I SAID I'M REPORTING BOTH OF YOU TO CONSUMER PROTECTION FEDERAL ANGENCY XXXX BANK AND XXXX XXXX TO REMOVE OFF ALL 3 CREDIT REPORTING AGENCIES AFTER I PAID IN FULL

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I XXXX XXXX called XXXXXXXX XXXX to discuss an Pay to delete I Paid {$400.00} to XXXX XXXX ( XXXXXXXX XXXX Collection agency. 
CONFIRMATION # XXXX XXXX XXXX XXXX XXXX PAID IN FULL XXXX XXXX STATED THEY DO NOT CREDIT REPORT PAYMENTS BUT WILL TELL XXXX XXXX  SO I SAID I'M REPORTING BOTH OF YOU TO CONSUMER PROTECTION FEDERAL ANGENCY XXXX XXXX  AND XXXX XXXX TO REMOVE OFF ALL 3 CREDIT REPORTING AGENCIES AFTER I PAID IN FULL

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
We had a family plan with XXXX, we returned all equipment, paid more than {$1000.00} dollars for early termination. We then never received any Commumication. I checked my credit today and a Amsher Collection Services placed a Negative Remark on my credit for {$750.00} on behalf of XXXX . I am very upset as I have over a XXXX credit score that has gone down almost XXXX points. This is unfair as a consumer, Amsher has never contacted me and this is bullying tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief