vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXX XXXXXXXXXXXX I XXXX XXXX, made a large purchase at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 
Phone number : XXXX Store XXXX XXXXXXXX I specifically went in for XXXX {$500.00} gift cards it was for XXXXXXXX XXXX XXXXXXXX. I bought all XXXX gift cards along with other things. well all XXXX cards was defective i called the number on the back of the card and the customer support team stated that they can replace XXXX cards but the other XXXX was not replaceable and she had to create a case. in which she did and told me that i would receive a email update in XXXX days. Well, that was a lie, after multiple calls and emails it just went on and on for months and months. I continued to visit XXXX XXXX  about the situation but still nothing. finally Vanilla gift card tells me they are not replacing my cards I need to go to XXXX and have them to void the transaction. I don't know what to do. I've again returned to XXXX with this voided transaction information that Vanilla gift card has stated and they are clueless and stated that their system will not let them do anything about it. I've called XXXX and a case was created and nothing happened there either. Please help me! How can I retrieve my {$1000.00} XXXX  back?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for the card in XXXX and I never received the card in mail or details needed to log on or make payment, contact company etc. I now am alerted I have late fees but can not get into account as I never received the card..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 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: AR

Complaint narrative:
This XXXX, I was shocked to see inaccurate accounts appearing on my credit report, and I cant understand why. I regularly check my credit report, and this time, there were unexpected discrepancies. I even tried refreshing the browser, thinking it was a glitch, but the incorrect information stayed. I am deeply concerned and request that the documents I sent be thoroughly reviewed so I can avoid this XXXX  in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: MA

Complaint narrative:
I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on the ftc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge Off XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: MA

Complaint narrative:
I have repeatedly address and disputed accounts that have failed to validate their claim of debt, or refuse to follow federal and Massachusetts collection laws, which result in continued violations. The reporting company is reporting on disputed accounts that I have recently disputed, and consistently give false claim of response that they investigated the claim, when they did not. The company has continuously violated the The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, and in doing so are subject to fines and damages payable to me of {$1000.00} for every instance that they have not provided an accurate and 100 % correct reporting of my trade lines, or credit reporting that has no legal right to be on my personal credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MA

Complaint narrative:
I have repeatedly address and disputed accounts that have failed to validate their claim of debt, or refuse to follow federal and Massachusetts collection laws, which result in continued violations. The reporting company is reporting on disputed accounts that I have recently disputed, and consistently give false claim of response that they investigated the claim, when they did not. The company has continuously violated the The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, and in doing so are subject to fines and damages payable to me of {$1000.00} for every instance that they have not provided an accurate and 100 % correct reporting of my trade lines, or credit reporting that has no legal right to be on my personal credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the closure of my Citi Bank credit card account without prior notice or a valid explanation. 

I got mails from citi around XX/XX/XXXX that my checking and saving account will be closed. 
I called Citi bank on XX/XX/XXXX and got no answers of the reason. In this call, I asked if my credit account will be closed and the answer was clearly no. 

Today when I login in my account I found my credit card account is also closed. I called Citi again and the representative told me I need to write a letter to their credit card services department. 

I have always maintained my account in good standing, consistently making timely payments and never exceeding my credit limit. This action was taken without any advance warning, and upon contacting Citi Bank 's customer service, I was not provided with a satisfactory explanation for the closure. I feel like I've been cheated as they told me it wouldn't be closed. 

This sudden closure has not only inconvenienced me but may also negatively impact my credit score, as the closure reduces my available credit and affects my credit utilization ratio. I still have around XXXX reward points in this account and I can't redeem them now. I believe this action is unfair and unjustified, given my responsible account management.

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 2024-10-09 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:
This morning, I was stunned to find inaccurate accounts on my credit report, and I cant understand how this happened. I routinely check my credit, and today, these discrepancies appeared without explanation. I tried refreshing my browser, thinking it was a mistake, but nothing changed ; the errors remained. I urgently need the documents Ive sent to be reviewed carefully so I can finally stop stressing about this.

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 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Current Creditor : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX. Re : XXXX XXXX XXXX. Original Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with the above-referenced account number, which was previously held with XXXX XXXX XXXXXXXX XXXX and has since been sold to your collection agency. I received a communication regarding payment options, but I have several concerns about this account that I would like to address. Firstly, I was not properly notified of the transfer of this account to a collection agency, and I would like to request validation of the debt, including the original loan agreement, a full account history, and the documentation of the transfer of this account to your agency. Secondly, I believe there may be inaccuracies in the reporting of this account to the credit bureaus. As such, I am requesting that you provide me with all relevant details and investigate any potential errors. If this debt is found to be inaccurate or unverifiable, I request that you promptly remove it from my credit report and notify the relevant credit reporting agencies of the correction. I appreciate your prompt attention to this matter and expect a response within the timeframe stipulated by the Fair Debt Collection Practices Act ( FDCPA ). Thank you for your cooperation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NY

Complaint narrative:
I filed a complaint against Experian on or about XX/XX/XXXX regarding my XXXX XXXX status. Today is XX/XX/XXXX and there are still accounts relating to that crime on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is an ongoing saga with my CHASE SAPPHIRE Card which was STOLEN FROM. My attorney told me to not pay on this while the police are investigating. I already submitted a police report to Chase. Chase refuses to freeze the card or stop the interest payments and I have hence been paying over {$1000.00} per month for over 1 year. This is unethical and has to STOP. I have been a Chase Customer since I was XXXX XXXX XXXX and have owned this Sapphire card for over a decade. Something needs to be done about this. I have asked them over and over again with ZERO resolve. tHey just sit that and watch that XXXX plus dollar amount in that basically just covers interest. It is obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: AR

Complaint narrative:
I was completely blindsided when I saw inaccurate accounts on my credit report today. I check my credit report regularly, but this time there were some discrepancies that came out of nowhere. I tried refreshing the page, hoping it was just a mistake, but nothing changed. The inaccurate accounts stayed. I am asking for a detailed review of the documents I've provided so that I can finally have peace of mind and never deal with this again.

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 2024-10-09 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: MS

Complaint narrative:
For the last XXXX  days I have been trying to get a live person on the phone at Experian to discuss removing a fraud alert from my account and some other questions I have regarding my credit report and I can never get in touch with anyone this is completely frustrating this is my credit report and I can never talk to people that are directly involved with my credit report there needs to be a number that you can call as a consumer to talk to these people live not through an automated system

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 2024-10-09 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX XXXX XXXX  be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: AR

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXwas 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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