vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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:
On XX/XX/year> I received a letter from XXXX XXXXXXXX XXXX, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX XXXX {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to XXXX. When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead they added the credit and the amount owed and is now incorrectly reporting that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with XXXX XXXX XXXX either be deleted for reporting inaccurate information.

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 2024-11-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
It started with a simple error on my billing statementone I assumed would be easily resolved. I remember sitting down at my kitchen table, pen in hand, writing out my dispute. I outlined everything clearly, attaching the necessary documents, and mailed it off, confident that the company would see the mistake and correct it. After all, isnt that how its supposed to work?

But weeks passed, and nothing happened. No letter, no email, not even an automated acknowledgment. At first, I gave them the benefit of the doubt. " Maybe they're backed up, '' I thought. " I'll hear something soon. '' The silence became deafening. Every day, I checked my mail with a flicker of hope that quickly turned into dread. My stomach would twist every time I saw my credit report, knowing that the inaccurate information was still sitting there, mocking me. It wasnt just about the numbersit was about what they represented : my integrity, my effort, my story.

I tried to remind myself it wasnt personal, but it felt personal. Here I was, a single voice against a faceless corporation that seemed to care nothing for the impact of their inaction on my life. Didnt they understand how this affected me? Didnt they know the stress of watching my credit score suffer for something that wasnt my fault?

I felt helpless but also determined. I knew my rights. Under FCRA Section 623, they had a duty to investigate, to respond. And yet, they ignored me. They ignored the facts I sent them, the documentation I worked hard to gather, and worst of all, they ignored my humanity.

This isnt just about fixing a number on a credit reportits about being heard, about accountability, about someone finally saying, Were sorry. Well make this right. Instead, Im left fighting a battle I shouldnt have to fight, my confidence in fairness eroded a little more each day.

But I refuse to give up. I refuse to let their indifference define my story. My voice may be small, but it matters. And if they wont listen now, Ill find someone who willbecause this is more than a billing error. This is about justice, and I wont stop until I find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Following Inquiries have been added to My XXXX Consumer Report in the Month of XXXX for which the Consumer Has Absolutely No Knowledge. All of the Hard Inquires listed below presume to be from Fraudulent counts of Identity Theft ( see Police Report ) and go against FCRA 's Consumer Rights Provisions! 

XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX : XXXX XXXX XXXX + Banks XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX  Banks XXXX XXXX : XXXXXXXX XXXX XXXX XXXX Finance/Personal XXXX XXXXXXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Banks XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal XXXX Inquiry : XXXX XXXXXXXX XXXX + Credit Unions and Finance Companies Other XXXX XXXX Finance Companies HXXXX XXXX Inquiry : XXXX XXXX XXXX  + Credit Unions and Finance Companies Other XXXX XXXX Finance Companies XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX  + Credit Unions and Finance Companies Other XXXX XXXX Finance Companies XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
The Following Inquiries have been added to My XXXX Consumer Report in the Month of XXXX for which the Consumer Has Absolutely No Knowledge. All of the Hard Inquires listed below presume to be from Fraudulent counts of Identity Theft ( see Police Report ) and go against FCRA 's Consumer Rights Provisions! 

XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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 2024-11-25 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I opened a credit card ( Wyndham Rewards XXXX XXXX XXXX ) account with Barclays in XXXX, XXXX. I joined the XXXXXXXX XXXX XXXXXXXX and entered XXXX XXXXXXXX XXXX XXXXXXXX. I remain on XXXX XXXX. And requested SCRA benefits, including a waiver of the annual fee this past XXXX. Despite my eligibility, the company denied my request, stating that I didn't meet their criteria since I entered XXXX XXXX before opening the account. I've tried to resolve this issue with the company, but they've maintained their position. The company 's stance seems to contradict the spirit of the SCRA and and the relevant regulations. As an XXXX XXXX servicemember, I should be eligible for SCRA benefits regardless of when I opened the account. The law is intended to provide relief during XXXX XXXX, not just for newly opened accounts. 

I'm seeking assistance to have the annual fee waived and my SCRA benefits applied retroactively.

I look forward to your assistance in resolving 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
We purchased a new boiler for our home and the financing ( ie : credit card ) was done through synchrony.com. On top of the 26.99 % interest rate ( after the introductory period ), this credit card charges {$1.00} to send a paper bill. The company will not stop accept a request to stop paper bills by phone. In order to go " paperless '' you must have the skills and computer access to go online, register on their website, navigate through their system and " go paperless '', thereby opting out of getting the XXXX XXXXXXXXmonth paper bills. This is a predatory business practice. It is time consuming and difficult to figure out how to " go paperless '' in their system.

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 2024-11-26 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: TX

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

Company 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 2024-11-26 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : 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 2024-11-25 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company 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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Apple ( Goldman Sachs credit card ) had a promotion that stated when you buy a laptop under educational pricing, you get a {$150.00} gift card. Instead, what they did was deduct the cost of the gift card from the laptop and then charged me for the gift card in monthly installments of XXXX a month for the next year. When I spoke to the representative, he agreed that it didnt make a whole lot of sense. The first representative that I spoke to told me that I would get {$150.00} back and then it would be credited to my account. I waited for three weeks for the credit- it never came. The second representative said I couldnt get it back they would give it back to me as some sort of store credit for items that I dont need. This was a misleading promotion, why tell people that youre going to give them a free card if they have to pay for it? Their promotion made it sound like the gift card was free. And the credit that they said they would give to my account has terms to it because I cant even use it on XXXX XXXX items. They are currently running this promotion with a {$200.00} gift card so this nonsense is going to continue for some other customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
Experian none of the accounts listed in the files belong to me. My identity was stolen from me and I haven't been able to finance anything in years. I Haven't been able to get anything in my name ever since my social was stolen and identity has been be used without any consent from me. Investigate this complaint and be sure to remove all of the fraudulent accounts immediately because none of these accounts belong to me. The files below are very detailed and will explain to you everything. Thank you and hope Experian can really help me resolve this situation as me being a victim of identity theft.

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 2024-11-25 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: FL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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

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

EQUIFAX XXXX XXXX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief