vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am writing to address serious concerns regarding my account, which has been paid in full, but still reflects multiple violations of consumer protection laws, including unauthorized charges, unfair collection practices, and inaccurate reporting. 

Regarding the details, I purchased a {$78.00} product, but my payment was never properly processed. Following this, Comenity Bank imposed unauthorized fees totaling {$370.00}, an amount exceeding 31 % interest, which constitutes a violation of the Truth in Lending Act ( TILA ). Furthermore, these charges violate Minnesota laws as fees continued to accrue beyond 180 days of delinquency, constituting usury, predatory lending practices, and a breach of the Minnesota Consumer Protection Act. 

For these reasons, I am requesting compensation of {$5000.00} for the damages and hardships caused, including : The unauthorized fees and the financial hardship they created. 
Unlawful collection of improper charges. 
Inaccurate and unauthorized reporting of my account to credit bureaus, failing to reflect a {$0.00} balance after the account was paid in full. 
Additionally, I note that the final account statement has not been provided, which is another violation of TILA and transparency requirements under consumer protection laws. 

I request a formal response no later than XX/XX/year>. If I do not receive a satisfactory response by this deadline, I will initiate arbitration proceedings to resolve this matter and seek appropriate compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 writing to inform you that I am a victim of a data breach that has led to unauthorized accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit report. These accounts were fraudulently opened or reported in my name without my consent. 
Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach that has led to unauthorized accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit report. These accounts were fraudulently opened or reported in my name without my consent. 
Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NerdWallet, Inc.
State: FL

Complaint narrative:
Hi, I keep getting phone calls from XXXX and XXXX and XXXX. They all say they are calling in attempt to collect a debt. When I picked up XXXX to ask them to stop calling me I got an automated message about an attempt to collect a debt and to hold. No one picked up and I hung up. Then XXXX called me back. 

This woman had my name, address, and end of my social security and said she had a copy of my ID. She said they had sent me letters within the past 45 days ( non of which I have recieved. She claimed to be from XXXX XXXX or something beginning with XXXX. She said I owed a debt for a pay day loan taken out in 2017. I asked her if she could send me documentation, which she used as it " was there last attempt to settle the debt '' and that I owed around {$4000.00}. I asked for the address of the business, which she refused to provide, as well as to email the documentation which she also refused. She got frustrated with me and hung up the phone. She then called me back and said sorry for hanging up and said that if I don't pay them that they will send the debt to XXXX and I can fight it there. She would not give me any valid information, and was very rushed and becoming annoyed with me for asking for information, especially when I said I don't know anything about the debt. 

Please find them and do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
In XXXX of 2022 I was approved for XXXX credit line to purchase a Dell XXXX Laptop. it gave a one year same as cash payment perk. First issue was when they took out two payment without my authorization and made the process so difficult to return my money i just gave up on it. I assumed the credit history would reflect it as a payment ahead. next month showed payment due. Second issue, When first term of 12 months was up apparently they returned entire amount I had already paid to owing it on my principle balance without telling me the date to pay to get it paid in full so no opportunity to make the deadline. I have continued to pay. Then I received information that Comenity Bank was taking over the account. They immediately reported me 30 days late. when I called they said they didn't have my history from Dell Pay so the could not do anything about that extra payment. In a couple of months I will have been paying for this for 3 years. My balance is {$3500.00}! It says if I pay minimum it will take me 41 years to pay this off! I have had issues with the performance of this computer constantly and is the worst computer I have ever owned. Upon researching these computers I am finding that my computers is available for {$1400.00} I was stunned. They talk in circles at both Comenity Bank and DEll Pay. I can not pay this predatory company anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am able to make deposits of over {$100000.00} but they limit my withdrawl to {$25000.00} with a waiting period of 3 to 5 days to make another withdrawl. I needed a {$50000.00} withdrawl and now it could take up to 10 days to receive it. That is absurd in these days and times. The bank is SYNCHRONY BANK!!!

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 2024-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 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: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Kohl 's reported my account 60 days late. I am on the phone with the Kohl 's credit employee now. She states that I am not, and haven't been, 60 days late. She can not answer why it was reported 60 days late, or why I received a letter stating that my account is " delinquent ''. This rep did confirm payments made, but also said that my payments are {$45.00} shy of being " current '', and that this is causing a backlog of 40 days. I asked how I am {$45.00} shy if I pay the minimum payment through the app ; and I paid twice in XXXX. She confirmed that I do make payments through the app, according to what the shown minimum payment is, and that she can see XXXX payments recently in XXXX. She confirmed again that I am not 60 days late. This employee 's ID and name are below, as well as her department. 

XXXX - ID XXXX- Collections with Kohl 's Kohl 's will not answer why they incorrectly reported me as 60 days late. They will not tell me why I am considered {$45.00} shy of the payment to stay current, despite making the minimum payments shown in the app. 

XXXX transferred me to her team lead : XXXX - ID XXXX - Team Lead XXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX stated that the payment due XX/XX/XXXX was received on XX/XX/XXXX. She stated that my payment was not received in XXXX, so Kohl 's reported it 30 days late. This is not legal. XXXX confirmed that she would open a Credit Bureau Reset, wherein Kohl 's can decide if the information that Kohl 's reported was inaccurate. I asked her what the appeals process was, in case Kohl 's decided that Kohl 's didn't have any errors. XXXX gave me an address for a " Credit Bureau Dispute ''. I asked if that was for a credit bureau, or if it was another Kohl 's department. She confirmed it was a Kohl 's department. 

To summarize my talk with XXXX, Kohl 's reported inaccurate information. Kohl 's will then get to review their own report. If Kohl 's doesn't think anything is inaccurate, I can appeal ... to Kohl 's. XXXX could not state which, if any, outside agency would be part of the appeal process against Kohl 's. 

To summarize the entirety : Kohl 's reported my account " delinquent ''. I have bank statements showing payment dates, confirming it was not delinquent. XXXX confirmed payments can be seen, and I am not delinquent. XXXX stated that I am {$45.00} shy of being made current, despite my paying what the app states for minimum payments. XXXX transferred me to her Team Lead, XXXX, who stated she would open a Credit Bureau Reset, which Kohl 's completes themselves. If Kohl 's found that Kohl 's did not report inaccurate info, I can appeal to a Credit Bureau Dispute, which is also managed by Kohl 's. There is no accountability outside of Kohl 's for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Clear violation of 15 USC 1681i ( a ) ( 5 ) ( B ) with XXXX XXXX XXXX Account XXXX reinsertion. The account was deleted from my Equifax consumer report on XX/XX/year> and reinserted on XX/XX/year>, with NO NOTICE within 5 business days. If the CRA reinserts the information, it must notify the consumer in writing within ***five business days*** of doing so. Equifax DID NOT notify me of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX  someone gained access to our Capital One UnionPlus credit card and made unauthorized transactions. The individual who hacked the account was able to change our address to his, so we did not realize the account had been compromised for several months. We discovered the problem when our credit score plummeted. We reported the matter to Capital One who acknowledged the problem, and after an investigation and numerous calls agreed that we were not responsible for the charges. 

We have repeatedly asked Capital One Union Plus to contact the credit bureaus and report their mistake, which they have thus far failed to do. Our credit scores went from about XXXX to about XXXX. Again they have acknowledged we are not responsible for the charges in question, but they have thus far refused to correct the reports they sent to the credit bureaus. Between my wife and I, we have called Capital One at least a dozen times. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Date of Birth Names : XXXX XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone numbers : No Data Supplied Employment Information : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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. Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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