vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a survivor of XXXX XXXX, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.

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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year> I opened a dispute against Jefferson Capital System regarding a debt in the amount of {$1200.00}. I disputed this debt as not mine/no acknowledgment. I also asked for additional information and documentation to verify this debt, as it has been removed and placed back on my credit twice, and with DIFFERENT dates. When I requested documentation, I received no response or follow up to my inquiry. I do not have business with this company and do not owe ANY debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, at the Victoria SecretXXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX ) I was offered the VS XXXX. I informed the store worker that I was going to be out of the country for the next month and I didn't want to get late fees. This person told me that I could pay for the balance online or over the phone. I accepted the credit card offer and made a purchase for {$83.00}. Still at the store, I asked to pay the balance of {$83.00} with a debit card to avoid late fees because of my upcoming trip. I was told this was not possible, but since it was going to take up to a week to process the credit card request, I would have more than a month to pay the balance. 

As per my phone call records, on XX/XX/XXXX, XXXX XXXX  AZ time, I paid {$83.00} over the phone using the number ( XXXX ) XXXX from my XXXX XXXX checking account. 
In my XXXX XXXX statement it appears as : XX/XX/XXXX COMENITY PAY VI PHONE PYMT XXXX XXXX XXXX XXXX XXXX. 
Back in the US. 

I received a paper statement from VS XXXX with a late fee of {$30.00} that was charged on XX/XX/XXXX, less than a month from my original purchase. THIS LATE FEE SHOULD NOT BE APPLIED SINCE I PAID THE FULL AMOUNT ON XX/XX/XXXX. 

Still, I went to the VS Comenity XXXX website, and paid the {$30.00} fee using a XXXX Checking account. After hitting the button to authorize the payment, the VS Comenity website showed a " wait '' symbol for a very long time. I assumed then the payment was done. 

On XX/XX/XXXX, while reviewing my online accounts, I saw my VS Comenity XXXX showed a balance of {$63.00}. I saw that my previous payment of {$30.00} was returned for an unknown reason. I attempted to pay the {$63.00} balance on the VS Comenity website using my XXXX Checking account. The VS Comenity website again showed a " wait '' symbol for a very long time after hitting the authorize payment button. 

This time, I closed the unresponsive webpage. I logged into my VS Comenity account again and repeated the payment attempt, but it returned an unresponsive webpage. I then added my XXXX XXXX Checking account and routing numbers, and repeated the process. The webpage became unresponsive one more time. 

I called VS XXXX Comenity number ( XXXX ) XXXX twice ( a 15-minute and a 26-minute call, screenshots of my phone records and a voice recording of the call are attached ). To avoid the fees from snowballing, I paid them over the phone. I was charged {$66.00}. No explanation for the fees or website malfunction was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-19 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: MI

Complaint narrative:
XXXX XXXX ( XXXX ), XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX FOR {$860.00}, XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX for {$180.00}, XXXX XXXX  on XXXX XXXX under the account number XXXX for {$3500.00} XXXX XXXX on XXXX XXXX XXXX, XXXX under the account number XXXX for {$520.00}, XXXX on XXXX. XXXX, XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$35000.00}, and collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX with a balance of {$850.00}, XXXX XXXX XXXX on XX/XX/XXXX for {$570.00} account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX for {$650.00}, XXXX XXXX XXXX on XX/XX/XXXX under account XXXX for {$1600.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$2800.00}, XXXX XXXX on XX/XX/XXXX XXXX for {$1300.00}, XXXX XXXX XXXX on XX/XX/XXXX XXXX for {$600.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections, and appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I was called at XXXX XXXX  by an Aargon Collection Agency representative by the name of XXXX XXXX he told me that I had an oustanding debt of {$140.00}. I was caught off guard by this call, and requested to call them back after consulting with my parents, as I have never interacted with a debt collection agency before this. After consulting, I called back and requested the name of the medical institution they purchased the debt from, which I was provided with, along with an account number to check my debt on their website - the representative on the phone insisted that their website was payaargon.com, a domain name that is not currently owned, which made me highly suspicious. However, the account number was usable on their actual website, aargon.com, and I was able to see the charge using it along with my last name. 

Having the name of the institution which sold the debt, XXXX XXXX, I called the hospital 's financial line and spoke with a representative at the location. They were unable to substantiate any debt currently on my account, nor were they able to verify ever having given my debt to this company. With this knowledge, I called again around XXXX XXXX  with the intention of beginning the dispute process for the charge. I was told that only the initial representative, XXXX, could handle issues related to my debt, and was put on hold. After a brief hold, I was told XXXX was on call with another customer, and that he would call me back when he was through. 

I waited until XXXX XXXX  and called back myself, and was able to speak with XXXX once again. I informed him of my intentions to begin the dispute process, and was put on hold, at which point the call hung up. I was not called back. After consulting again, I tried calling Aargon 's compliance number 3 times, each was disconnected instantly.

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 2024-08-19 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: MS

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-19 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: GA

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX/Dept Of ED : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-19 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/year> I have already paid {$230.00} for an emergency visit at XXXX XX/XX/year> I have already paid {$830.00} to the XXXX XXXX department XX/XX/year> I have paid {$44.00} to XXXX XXXX XXXX for a balance radiology Now XXXX XXXX XXXX 's Associates send me a debt of {$620.00} but the informations of my name are not correct And I have already paid {$1100.00} And I'm self-paid And they didn't ask me this amount before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
My account with 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 in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked at my report back on XX/XX/XXXX and XXXX. XXXX XXXX and I 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. 


I sent a letter asking them to reinvestigate these accounts listed below because XXXX accounts was removed a XXXX year ago now they rereported these same accounts below The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XX/XX/XXXX {$270.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XX/XX/XXXX {$340.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate These XXXX Derogatory marks Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate They have not responded to me, Can you look into this matter again thanks.

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