vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I mailed something similar to the below to Barclays. They denied removing the unfairly reported delinquency from credit bureaus. 
-- -- -- Barclays Disputes XXXX XXXX XXXX XXXX XXXX Delaware XXXX Acct # XXXX Payment Ref XXXX {$200.00} Subject : Formal Request for Removal of Negative Credit Report Entry Dear Barclays Disputes Department , I hope this message finds you well. I am writing to formally dispute the recent negative entry on my credit report associated with my account last 4 digits # XXXX. 

Due to an unexpected change in the issuer of my company card from XXXX to Barclays, I was unaware of the balance that had accrued. Unfortunately, I did not receive any email, text, or letter notifying me of the delinquency. I did, however, receive automated robo calls from Barclays ( I did not even know that my store card had now become part of Barclays from XXXX XXXX XXXXXXXX then XXXX ), but they appeared to be spam. These calls requested personal information, such as my social security number and zip code, without clearly identifying the caller or the purpose of the call, which led to my hesitance in engaging with them and blocking the number. As a result, I was unaware of any outstanding balance. Again, no email, text, or letter was every sent to me in regards to this outstanding balance. 

As soon as I saw the delinquency on my credit report, I immediately paid the full amount of {$200.00} ( Payment Reference : XXXX ). I believe the delinquency should have never reached this stage, as better communication on Barclays part could have alerted me to this matter sooner. 

I respectfully request that this negative entry be removed from my credit report across all bureaus, as I was not properly informed of the balance, and I have since resolved it promptly. 

Please let me know if any additional information is needed to expedite this request. 

Thank you for your understanding and assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-02-24 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: FL

Complaint narrative:
The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-02-24 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: Netspend Corporation
State: CA

Complaint narrative:
I drive for XXXX  and I get money directly deposited to my account from XXXX  every week. On XXXX XXXX, XXXX, XXXX  was supposed to direct deposit my earnings into my checking account. Instead, they decided to debit my account for the amount of my deposit which resulted in my account being overdrawn by over XXXX dollars. I contacted XXXX  to tell them of their mistake and they vowed that this was done In error and that they would fix the mistake and deposit my money as soon as the next business day. Which is exactly what they did. However, they never removed the initial debit from the account. So my account started at a XXXX balance, then was debited for {$660.00} ( XXXX balance, then a deposit was added to my account for {$660.00}. This left my account with a XXXX balance instead of having a XXXX balance. I have contacted my bank and XXXX  almost daily since this took place and have had no resolution from either side. Both sides claim that I need to talk to the other party. XXXX says they have no access to the information on my bank account so there is nothing they can do. Netspend says that they are reviewing it and reviewing it but nothing ever comes of it. When I call to speak to the dispute team their phone just rings and rings and then hangs up. When I email, I receive a message of please allow x amount of time while we review. This has been going on since XX/XX/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 2025-02-25 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. My dispute demands immediate investigation and deletion of all erroneous information outlined below. 
Also known as XXXX, XXXX Addresses XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers XXXX XXXX XXXX XXXX Personal Statements XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Experian conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections.

Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o.

Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.

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 2025-02-25 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-24 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated. 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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute an error on my credit report regarding an account that has been mistakenly mixed with my information. This account does not belong to me and is associated with someone else. It is clear that there has been a mix-up, and I need this incorrect information to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Credit card was applied for in store XXXX XXXX - Credit Company ( Comenity Capital Bank ) - took 5 minutes. Received card on XXXX called to activate. Also on XXXX tried to open online account to pay bill. Had to call in for account online. They asked questions- is # # # # # your home #. Replied no this is a cell phone so they needed to change on records to cell phone. Company stated would take 10 business days before could use online account. Why did it take 5 minutes to open an account but 10 days to use online. Well the bill was due on XX/XX/XXXX which is the XXXX business day. Received email reminder XX/XX/XXXX that bill was due XX/XX/XXXX. Checked and still could not get into online account. So XX/XX/XXXX wrote a personal check ( no where does it state can not send personal check ) and mailed on XX/XX/XXXX to XXXX ( XXXX miles from my house ) I have picture of check/statement that I mailed. Not driving XXXX miles to store to pay. Went out of town and when I came back on XX/XX/XXXX and checked account shows balance still there. But guess what, the online account is now available so wrote to company on their contact screen why hadn't the check cleared.. I have always paid my bills and have a very good credit score. Heard back that as of XX/XX/XXXX nothing paid. Now why no notice ( email ) sent that the bill hasn't been paid? Wrote back again to company and tried to send pictures but the site said " sorry some attachments can not be added right now because of system problem '' I am willing to pay the bill but I am not paying a late fee/interest and not going to double pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated. 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. 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!

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-02-24 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. On XX/XX/XXXX I asked you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showed up inaccurately. Then on XX/XX/XXXX I pointed out you are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Obviously accounts can not be charged off 7 times. This is intentionally fraudulent and re-aging my account. You did not fix this problem. Also, the credit report does not show ANY of my payments to this account. How can the balance go down if you don't know what my payments were? You need to show my payments and payment amounts so creditors can see my payment history. In addition you need to only show this his been charged off just once. Due to the continued mistakes and neglect on fixing them for this account, I demand this account be deleted. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: SC

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. 

XXXXXXXX XXXX XXXX XXXX XXXX  I looked at my TransUnion credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute a tradeline on my credit report that is not being reported with the maximum possible accuracy. The information associated with this account is incomplete or incorrect, and it is in direct violation of credit reporting standards.

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 2025-02-24 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 formally file a complaint regarding unauthorized inquiries on my credit report, which I believe resulted from a data breach. My personal information appears to have been leaked in several incidents, including breaches at Experian, XXXX, Equifax, and the Social Security Administration, among others. 

Despite not having any active accounts or authorizations with these companies, I have noticed several inquiries on my credit report that are not mine. I have attempted to resolve this issue directly with the involved companies, including Experian, Equifax, and TransUnion. However, they have informed me that they have no record of any legitimate application under my name and have insisted that removal of these inquiries is only possible upon presentation of an FTC report. I have complied and filed a report with the FTC, yet the inquiries remain on my credit file. 

Given the circumstances, I request that you investigate these unauthorized inquiries and facilitate their immediate removal from my credit report. The continued presence of these inquiries is causing significant distress and is negatively impacting my credit standing. I also request that measures be taken to prevent future unauthorized use of my information, especially upon lifting my credit freeze. 

Attached, please find copies of my FTC report and any additional documentation that supports my claim. I appreciate your prompt attention to this matter and look forward to a resolution. I will provide a FTC report and my Drivers License

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