vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The matter involves a third party debt collector, Transworld Systems XXXX XXXX ( Transworld ), and its agent XXXX XXXX XXXX XXXX ), that have together issued a notice dated XX/XX/XXXX ( Appendix p. XXXX ) which falsely alleges a debt from XXXX XXXX, complainant, to XXXX creditor, in the sum of {$460.00} ( Appendix p. XXXX ). 
The underlying issue involves an alleged failure to return equipment to XXXX ( Appendix pp. XXXX XXXX ), XXXX claim for damages because the equipment was not returned and XXXX refusal to recognize that all equipment was in fact returned, timely on XX/XX/XXXX, as acknowledged in writing by XXXX ( Appendix p. XXXX ). 
Prior to this case, XXXX third party debt XXXX have contacted the complainant and made the identical demand : XXXX. XXXX XXXX XXXX XXXX by notice dated XX/XX/XXXX ( Appendix pp. XXXX, XXXX ) ; and XXXX. XXXX XXXX XXXX XXXX XXXX by notice dated XX/XX/XXXX ( Appendix pp. XXXX, XXXX ). 
A complaint was filed with the CFPB against XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Appendix p. XXXX ). 
It would appear evident that Transworld and XXXX have served a frivolous notice without having any good faith basis to support the allegations being made ( Appendix p. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX  XXXX Dear sir, I have received XXXX letters from your office. Two of them were prepared on XX/XX/XXXX of XXXX and one had the confirmation # XXXX, which said the XXXX Credit card ending numbers XXXX was not on file. It is natural since this card was closed due to the illegal activities last summer, XXXX. 
Since these letters asked me to submit my identification documents, the copies of social security numbers and drivers license, I enclose with this letter. I believe your company has already had security freeze, since I have sent necessary documents many times to your company headquarters. If not, please let me know. I will send them again. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: ProCollect, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Pro Collect. Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : XXXX. Pro Collect hasnt properly investigated my disputes. Pro Collect has been a huge problem with no helping me in anyway. XXXX states they have my account open when Im fact it should closed. 
XXXX says the account is past due when it shouldnt be reporting past due. I submitted a dispute back in XXXX, for XXXX XXXX XXXX they have yet to look at my dispute. Its been in dispute status since XX/XX/year>. The payment history is also incorrect and invalid. On all XXXX credit bureaus. They are failing to comply & conduct a proper investigation on all three of the credit bureaus. 
XXXX. Pro-Collect should be sending me a purchase agreement between me & them regarding that I should pay them. If they cant provide that information they cant collect they are hurting my credit report. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to buy a house, or secure a job for my child. 
I have attempted to resolve this matter directly with Pro Collect, but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. 
This debt collector has not given the proper documentation, for this alleged debt so its fraudulent and illegal to collect on a debt if you cant even give me all the information required. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A Citibank representative provided incorrect information about making a payment on my account which resulted in a XXXX day late payment to be reflected on my credit report. I filed a complaint and a dispute directly with Citibank and was told that it was being investigated. I never received resolution and my credit report was not corrected. I have called numerous times and have been shuffled all over the company with no response to my inquiries.

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 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
The retail store fraudulently signed me up for a promotion which they marketed stating the entire amount of the purchase would be zero interest for six months but it was only for {$490.00} which was a scam! 


When I notified This lending institution regarding this scam they instructed me to speak with the retail store manager.. They did not have any documentation about the type of promotion only the amount of {$490.00}. They basically XXXX the blame back onto the retail store.. I am the consumer that was scammed and now paying interest on the entire amount which was supposed to be zero interest for 6 months but being charged 27.99 % each month.. predatory lending and false promotional offers is disgusting and this institution needs to be investigated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
Someone stole my personal information and opened credit cards without my knowledge. The way I found out I had a XXXX Barclays credit card was through XXXX XXXX I called Barclays and after reporting the incident the lady over the phone told me someone made a purchase with a physical card I did not know it existed.YesterdayI called Barclays because my credit scores went down and they told me the fraud case was declined because they used a physical card. I asked them how can they honor a large purchase which I have never made without id.

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 2024-05-11 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payment on XXXX  XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 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 recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payment on XXXX  XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/23 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: KS

Complaint narrative:
I file my dispute letters to the credit bureau of XXXX, XXXX, TransUnion, over XXXX times and no results of inaccurate information on my file, they are violation my consumer rights, Charged Off accounts -15 US Code 1601 Collections 15 US Code -1692C Late Payments - 15 US Code 1666b Hard Inquires - 18 USC 1028A Which these agencies is at fault of 15 USC 1681n,, which can result in Civil Liability

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 2024-05-11 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: KS

Complaint narrative:
I file my dispute letters to the credit bureau XXXX XXXX, Equifax, XXXX, over XXXX times and no results of inaccurate information on my file, they are violation my consumer rights, Charged Off accounts -15 US Code 1601 Collections 15 US Code -1692C Late Payments - 15 US Code 1666b Hard Inquires - 18 USC 1028A Which these agencies is at fault of 15 USC 1681n,, which can result in Civil Liability

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from 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 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not grant permission for the inquiry. There has been no communication with this lender on 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 non-monetary relief
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
Subject : Request for Action and Compensation Regarding Inaccuracies in Credit Report I am writing to bring to your attention an ongoing issue with Equifax, XXXX of the major credit reporting agencies. Despite my numerous attempts to rectify inaccuracies in my credit profile, Equifax has failed to take the necessary corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

In accordance with the FCRA, I have filed multiple identity theft reports with Equifax, requesting the deletion or blocking of fraudulent information on my credit profile. The FCRA stipulates that upon receiving such a request, a credit reporting agency is required to block the reported information within XXXX business days ( FCRA XXXX ). This information is still being reported on my credit report which is more then 30 days after I filed my iniatial report... 

Furthermore, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer ( XXXX XXXX. XXXX ). 

While XXXX and XXXX have complied with these requirements and deleted all related inquiries from my credit report XXXX months ago, Equifax continues to report these inaccuracies. This discrepancy between the actions of the XXXX credit reporting agencies clearly indicates that the inquiries Equifax is reporting are not factual. 

I hereby request that the CFPB take necessary action to ensure that Equifax complies with the FCRA. Furthermore, in light of the inconvenience and potential harm caused by these inaccuracies, I am seeking compensation for each item that is required to be removed according to the law ( FCRA XXXX, XXXX ). Under the terms of the FCRA, each rights violation committed by the defendant in a case could require them to pay between ** {$100.00} and $ XXXX. 


I trust that the CFPB will address this matter with the urgency and seriousness it deserves. I look forward to your prompt response and resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX attached all docs I have attached a copy of when XXXX DELETED THE REQUESTED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion lowered my score XXXX points for bo reason at all. Because they did not want NY credit score to increase. It was lowered XXXX points and raised back up by XXXX points.

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 2024-05-11 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: MI

Complaint narrative:
The FCRA XXXX regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying to get my credit report and score from Equifax for over 30 days. As of today XX/XX/year> I still cant access it. I contacted customer service on XX/XX/year> and the agents were extremely rude over the phone. They told me I have no file when I know for a fact I do. I can access XXXX and XXXX. Equifax is causing a hold up in my home buying process. Trying to gain access to a report that I should be able to legally and cant has caused emotional distress on me as I have XXXX as a US veteran. I have worked at this for over a month now with no resolve. I also submitted my driver license and social security card as proof of identity and still there isnt a remedy. I also mailed in a letter requesting also alerts and freezes to be removed if there are any. According to XXXX tracking Equifax received my documents on XX/XX/year> @ XXXX. I sent these as added security for identity verification and they still havent done anything. They are playing with my familys livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I tried to redeem a companion certificate on my XXXX XXXX Amex, but was denied. I contacted XXXX and was told that, although the certificate was valid, there werent any more seats set aside on my flights for this purpose. 
Nowhere in the terms and conditions does it say XXXX may arbitrarily deny the benefit or set limits. 
This benefit is advertised on promotional material encouraging credit card upgrades, but the numerous exclusions to its use are not. 
The XXXX rep told me that I should have booked earlier, which was XXXX because I was planning XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MI

Complaint narrative:
The FCRA XXXX regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.

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 2024-05-11 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: TX

Complaint narrative:
See document attached

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 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX ( XXXX XXXX XXXX ) I requested a copy of any signatures, contracts identification all documents an parties involved, company gave me no response.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to XXXX XXXX, any billing discrepancies should be promptly corrected and reflected accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to XXXX XXXX, any billing discrepancies should be promptly corrected and reflected accurately.

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 2024-05-11 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:
I did not grant permission for the inquiry. There has been no communication with this lender on 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