vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am raising this complaint because XXXX, XXXX, and Experian have failed to address and correct inaccurate information on my credit report, despite my repeated efforts to dispute these errors. The inaccurate reporting continues to harm my credit profile and violates my consumer rights.

FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, as required by law.

FCRA 605 ( c ) : The " date of last activity '' is being inaccurately reported and does not reflect the last payment date, violating the accurate reporting requirements.

FDCPA 809 ( b ) : The collection account remains unvalidated, even after I formally requested verification.

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 2025-01-14 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: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
Balance information is incorrect on the credit reporting. XXXX still owns the loan serviced by XXXX. The credit reporting agencies are reporting a balance of over $ XXXX. This is incorrect. The loan has been paid off as per transfer to XXXX and by the XXXX XXXX XXXX. XXXX is {$0.00} and account is closed. XXXX XXXX account information attached. See all three CRAs account data attached. 

Transunion and XXXX are still showing a {$79000.00} balance where XXXX is showing a {$0.00} balance. The date of Closure between all three CRAs is not the same either. 

XXXX continues to hurt my credit report and continues to ensure servicemembers are not cared for in their business practices as identified in the CFPB court case.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Balance information is incorrect on the credit reporting. XXXX still owns the loan serviced by XXXX. The credit reporting agencies are reporting a balance of over $ XXXX. This is incorrect. The loan has been paid off as per transfer to XXXX and by the XXXX XXXX XXXX. XXXX is {$0.00} and account is closed. XXXX XXXX account information attached. See all three CRAs account data attached. 

XXXX and Experian are still showing a {$79000.00} balance where XXXX is showing a {$0.00} balance. The date of XXXX between all three CRAs is not the same either. 

XXXX continues to hurt my credit report and continues to ensure servicemembers are not cared for in their business practices as identified in the CFPB court case.

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 2025-01-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NY

Complaint narrative:
On XX/XX/XXXX, my XXXX account hacked and there were two on unauthorized transactions debited from my account from fraudster in the amount of {$76.00} and {$21.00}. I called ( Comerica Bank ) XXXX XXXX processing Services to file a dispute. I called again twice again and submitted documentation via email ( XXXX ) non XX/XX/XXXX with proof that I was hacked and had to redo my profile with XXXX to assist with the claim. In XXXX, I received a letter dates XX/XX/XXXX stating the claim was approved and the provisional credit will stay posted to the account. I logged into the account as directed by the letter and seen a provisional credit was issued on XX/XX/XXXX and debited the same day. I spoke to a representative a week before XXXX who escalated the issues after confirming I was indeed entitled to the funds approved. on, XX/XX/XXXX, I checked the account online to see if the funds were issued and seen they not been issued. I called Comerica XXXX XXXX via XXXX @ XXXX and was on the phone for XXXX our and spoke to XXXX people whom no one could give me an answer to why the funds were not issued, again, the last rep I spoke to stated she will escalate the escalation that was not resolved in XXXX and I can call back in a month if i have not been issued the funds. The service request number she provided was XXXX. Its been more than 120 days since I filed the claim and it's still not resolved. This is a violation of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
I am writing to follow up on my previous correspondence dated XXXX in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XXXXXX/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 2025-01-14 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am aXX/XX/XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-14 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XX/XX/XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I've have paid this account in full and as agreed but the company closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-14 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-14 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:
I am filing a complaint against TransUnion for failing to remove the following unverified accounts and inquiries from my credit report : XXXX ( Account Number : XXXX ) ** XXXX XXXX ( Date : XX/XX/year> ) Despite being notified months ago that this information was not validated, TransUnion continues to report these inaccuracies, causing financial harm and emotional distress. I did not authorize these accounts or inquiries, and they are unrelated to any activity I have conducted.

I have attached a copy of my FTC Identity Theft Report for your review. Under 15 U.S. Code 1681c-2, I request that this information be removed from my credit report no later than 4 days after receiving this letter. Failure to comply will result in further legal action to protect my rights.

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 2025-01-14 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 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: TX

Complaint narrative:
I am raising this complaint against XXXX, Equifax, and XXXX for their ongoing failure to address inaccuracies on my credit report, even after multiple dispute attempts. These inaccuracies continue to harm my credit, and no adequate corrective action has been taken. 

This involves the following violations : FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, which is required under the law.

FCRA 605 ( c ) : The date of last activity is inaccurately reported and should reflect the last payment date, not the current reporting.

FDCPA 809 ( b ) : The company has failed to validate the collection account despite my formal requests, violating their obligations under the FDCPA. 

I am requesting that the CFPB investigate these violations and ensure that the credit bureaus take the necessary steps to correct the errors, properly mark the account as disputed, and validate the debt in compliance with federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am writing to formally address an identity theft issue associated with my name and personal information. First and foremost, my first concern Is Reporting 15 U.S. Code 1681b - Permissible purposes of consumer reports that has resulted in identity theft through XXXX DATA BREACH AND DARK WEB DATA BREACH. Per 15 U.S.Code 1681c ( 2 ) ( 3 ) and ( 4 ) your agency shall block the reporting information in my file no later than 4 business days after the date of receipt by such agency. To ensure the integrity of my credit report and to protect myself from further fraudulent activities, I request that you immediately remove any records or information related to this identity theft from my credit file. This includes, but is not limited to, any accounts or inquiries that were created because of the 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 explanation
Consumer complaint received 2025-01-14 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: MS

Complaint narrative:
For the past 4 years I have been disputing back and forth with XXXX XXXX regarding some late payments that have been reported on my credit profile that is still to this day preventing me from moving forward in my financial journey. In a 15 USC 1681d ( 1 ) ( 2 ) ( a ) ( i ) that reports containing information as to transactions or experiences between the consumer and person making the report must be excluded from the consumer reports. According to a document from their " investigation '' on XX/XX/year> of my dispute outlines " Payment Experience '' 30 day late # of occurences 1, 60 day late # of occurences 1, 90 day late # of occurences. As well as to report that they repossessed my vehicle. This is a gross mismanagement of XXXX XXXX duty to act in my best interest.

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 2025-01-14 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: MS

Complaint narrative:
For the past 4 years I have been disputing back and forth with XXXX XXXX regarding some late payments that have been reported on my credit profile that is still to this day preventing me from moving forward in my financial journey. In a 15 USC 1681d ( 1 ) ( 2 ) ( a ) ( i ) that reports containing information as to transactions or experiences between the consumer and person making the report must be excluded from the consumer reports. According to a document from their " investigation '' on XX/XX/year> of my dispute outlines " Payment Experience '' 30 day late # of occurences 1, 60 day late # of occurences 1, 90 day late # of occurences. As well as to report that they repossessed my vehicle. This is a gross mismanagement of XXXX XXXX duty to act in my best interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MS

Complaint narrative:
For the past 4 years I have been disputing back and forth with XXXX XXXX regarding some late payments that have been reported on my credit profile that is still to this day preventing me from moving forward in my financial journey. In a 15 USC 1681d ( 1 ) ( 2 ) ( a ) ( i ) that reports containing information as to transactions or experiences between the consumer and person making the report must be excluded from the consumer reports. According to a document from their " investigation '' on 1/22/2024 of my dispute outlines " Payment Experience '' 30 day late # of occurences 1, 60 day late # of occurences 1, 90 day late # of occurences. As well as to report that they repossessed my vehicle. This is a gross mismanagement of XXXX XXXX duty to act in my best interest.

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 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Related to the CFPB action against Capital One marketing of XXXX Savings and XXXX Performance Savings, which I just read about in the news, I wanted to let you know this impacted more than just new customers and existing customers who might want to upgrade. It impacted customers CapitalOne acquired through corporate buyouts- probably more than the rest. 

When CapitalOne purchased XXXX, I was an existing customer of INGDirects high interest savings account, which had a high interest rate, inline with the Performance XXXX Savings rates CapitalOne advertises today, CapitalOne converted the XXXX accounts into XXXX of their accounts following that acquisition of XXXX. I had thousands of dollars in that savings account. When it was converted, nothing else changed about it. In fact, I remember receiving emails about the transition telling me nothing would change, no action required, theyre making it easy for me, etc. Routing number and account number were the same, etc. It was seamless, so I didnt pay attention to it. I did not receive any notification of the interest rate changes during this time. I went in sometime after ( years later, I think ) and noticed the interest I had been getting was much lower than it was under XXXX, so I moved the money out of the account to another institution. I had lost years of interest on many thousands of dollars though. 

When they had a high performance XXXX account with competitive rates, why didnt they migrate the legacy INGDirect customers to the better account automatically?

Company response to consumer: Closed with explanation