vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a balance on my Ulta Beauty Rewards Credit Card from Comenity Bank of {$56.00} due on XX/XX/year>. I paid the balance in full through my XXXX XXXX checking account which shows the amount being paid XX/XX/year>. Comenity claimed the payment was late and charged me a {$30.00} late fee due XX/XX/year>. I called the customer service line and was told they could give me a " courtesy {$15.00} credit '' but I would still owe {$15.00}. They would not remove the late fee. I asked if I could then make a dispute since I had proof that it was paid on time, and I was told I could not make a dispute. I cancelled the card with a customer service person, however I was told I would still owe the {$30.00} fee. The card has been cancelled but I feel I'm being bullied into a late fee where I have proof it was paid on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX {$380.00} XX/XX/year> These credit accounts are the results 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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am formally requesting your assistance regarding the reporting practices of Capital One related to my account number XXXX. 

I have recently discovered that Capital One is reporting this account as being XXXX days late, despite the fact that this account was closed in XX/XX/2021. It is misleading and inaccurate to report late payments on an account that is no longer active. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), creditors are obligated to report accurate information to consumer reporting agencies. Reporting late payments on a closed account violates this obligation and can have a detrimental impact on my credit profile.

I have made multiple attempts to contact Capital One to address this issue, but unfortunately, I have not received any response. Therefore, I am requesting that the CFPB investigate this matter and take any necessary actions to ensure that Capital One ceases reporting any inaccurate information related to my closed account. 

I would also appreciate it if you could facilitate a resolution that would lead to the removal of any derogatory remarks associated with this account from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I mailed a written dispute to this credit bureau requesting that inaccurate information on my credit report should be validated and updated immediately. This credit bureau responded back with a letter claiming that they did not believe this dispute was sent by me and that I would have to call and verify my identity with them, I proceeded to call and verify my identity and after spending countless time over the phone being transferred back and forth, I still was unable to get any real help with this issue. I am requesting that the negative and inaccurate information on my credit report is immediately deleted. Per the Fair Credit Reporting Act, this company had XXXX  days to validate this request and update my credit report but they failed to maintain protocol that follows the laws set forth in the Fair Credit Reporting Act, failing to meet these requirements, any information disputed should be immediately deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: NY

Complaint narrative:
UPGRADE INC HAS REPORTED A CHARGE OFF ON THIS ACCOUNT AND I NEVER RECIEVED A 1099 FOR THIS ACCOUNT. THE DATE OF CHARGE OFF IS XX/XX/year> FOR {$630.00}. XXXX XXXX XXXX ( CHARGE OFF ). I NEED A 1099 FOR THIS ACCOUNT TO FILE MY TAXES.

I AM REQUESTING A 1099 FOR THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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 recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.

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 2025-01-05 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute a debt that is being pursued by Credit Control LLC XXXX who claims that I owe a debt that I do not believe is mine. I respectfully request Consumer Financial Protection Bureau ( CFPB ) investigate the actions of this debt collector, as their attempts to collect on the alleged debt violate the provisions of the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S.C. 1692 et. seq. 

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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
The vehicle a XXXX XXXX XXXXXXXX was in a total loss accident and paid off through the insurance company. However, XXXX is still reporting this as a charge-off and is reporting it every month hindering me from getting another car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: OH

Complaint narrative:
XX/XX/XXXX Please update with removal USC Sec 15 1681, 1682. 1683. 1684, 1692g These accounts continue to show up in Equifax FICO scores and Equifax XXXX scores. both of these accounts were removed by Equifax at the end of last month. Can you please update so that it reflects on my score correctly. 

XXXXXXXX XXXX  {$140.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: OH

Complaint narrative:
XX/XX/XXXX Please update with removal USC Sec 15 1681, 1682. 1683. 1684, 1692g These accounts continue to show up in Equifax FICO scores and Equifax XXXX scores. both of these accounts were removed by Equifax at the end of last month. Can you please update so that it reflects on my score correctly. 

XXXX XXXX {$140.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$13.00} Date Opened XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: AL

Complaint narrative:
Dear Sir/Madam, I am formally invoking my right to arbitration regarding my account due to unresolved issues that Ive been unable to address through standard dispute channels. Despite multiple disputes with the Credit Reporting Agencies, my account information remains inaccurate, leaving me no choice but to pursue arbitration per our agreement. 

This arbitration is governed by the XXXX XXXX XXXX ( XXXX ) and applies to all relevant parties as outlined in the original agreement. 

To potentially avoid formal arbitration, I propose a straightforward resolution : XXXX XXXX XXXX account number XXXX Please remove the debt in question from my credit report. 
Could you provide written assurance that my account information will not be shared with third parties? 
If these terms are agreeable, we can avoid arbitration. Please respond as soon as possible with either acceptance of this solution or further steps for arbitration. 

Thank you for your understanding and prompt action. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

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 2025-01-05 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: AL

Complaint narrative:
Dear Sir/Madam, I am formally invoking my right to arbitration regarding my account due to unresolved issues that Ive been unable to address through standard dispute channels. Despite multiple disputes with the Credit Reporting Agencies, my account information remains inaccurate, leaving me no choice but to pursue arbitration per our agreement. 

This arbitration is governed by the XXXX XXXX XXXX ( XXXX ) and applies to all relevant parties as outlined in the original agreement. 

To potentially avoid formal arbitration, I propose a straightforward resolution : XXXX XXXX XXXX account number XXXX Please remove the debt in question from my credit report. 
Could you provide written assurance that my account information will not be shared with third parties? 
If these terms are agreeable, we can avoid arbitration. Please respond as soon as possible with either acceptance of this solution or further steps for arbitration. 

Thank you for your understanding and prompt action. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: AL

Complaint narrative:
Dear Sir/Madam, I am formally invoking my right to arbitration regarding my account due to unresolved issues that Ive been unable to address through standard dispute channels. Despite multiple disputes with the Credit Reporting Agencies, my account information remains inaccurate, leaving me no choice but to pursue arbitration per our agreement. 

This arbitration is governed by the XXXX XXXX XXXX ( XXXX ) and applies to all relevant parties as outlined in the original agreement. 

To potentially avoid formal arbitration, I propose a straightforward resolution : XXXX XXXX XXXX account number XXXX Please remove the debt in question from my credit report. 
Could you provide written assurance that my account information will not be shared with third parties? 
If these terms are agreeable, we can avoid arbitration. Please respond as soon as possible with either acceptance of this solution or further steps for arbitration. 

Thank you for your understanding and prompt action. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

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 2025-01-05 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 recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have already gone through this once and transunion found the information to be accurate that was provided from XXXX XXXX XXXX This is lying, FRAUD and ILLEGAL. The ones involved deserve prison time from the XXXX XXXX to ability XXXX XXXX  and the ones that handled it with TransUnion all deserve PRISON time and heavy fines. The saying is the lessons paid for you dont forget. You all need to remember this where you dont do others this way. You are lazy, reckless and stupid. Thieves. This is wrong. I want it off my credit now, not showing resolved but I want it nonexistent

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 2025-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
XXXX cards were compromised without my authorization. I've sent all the documents that required by law and company never help. What they're asking now is ridicules and against the law. I was informed by the police department that this type of reporting only can be done online ( Which the company doesn't accept ). Notarizing a private company form is against the law XXXX & XXXX hope to get my money covered back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
On my credit report it states my oldest account is XXXX XXXX XXXX yet this account is XXXX XXXX XXXX and I'm trying to establish my length of credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I had a business credit card through Chase bank. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX and XXXX, XXXX. In XXXX of 2024, that business closed. I called Chase ( as I did with XXXX XXXX XXXX XXXX XXXXXXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed Chase that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with Chase bank again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for Chase Bank. It even shows no reporting up to the point they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent 7 total hours on the phone with over 10 Chase representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
In Accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Santander Consumer )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
Closed date on XXXX XXXX XXXX XXXX XXXX is incorrect. Credit reports state accounts were closed XX/XX/XXXX. This is incorrect. Accounts were closed XXXX of 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