vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX, when I spoke to a XXXX  representative and agreed to purchase XXXX services I was never told they would be running my credit for a Fortiva credit card and that I was locked into paying XXXX  for 5 years even if I can no longer use the equipment. Shortly after speaking to the XXXX representative on XX/XX/XXXX, I received a call from Fortiva and the representative never mentioned they were using my credit for was a Fortiva credit card nor that I would be locked into paying a XXXX  bill separately from Fortiva. A few weeks after speaking to the Fortiva representative I received a Fortiva credit card in the mail. I called Fortiva to question it as I'm already a victim of Identity Theft. I was told it was too late to cancel and my credit would be adversely affected if I did so. Sometime in XXXX or XX/XX/XXXX I contacted XXXX to cancel their services because I was forced to move as my landlord wanted to sell immediately. That's when I was informed that I was locked into a 5 year contract with them. I told XXXX how I was moving into an apartment where I could no longer use most of the equipment. I was informed that even if I can't use the equipment I would need to pay. I was given two options, one which was to pay each company off in a lump sum or two to keep paying both monthly. I have been locked into making monthly payments to both both companies. The monthly payment for Fortiva has gone up multiple times from {$29.00} to a whopping {$170.00}!!! When I spoke to the chat representative I was told my monthly payment is {$42.00}. Which is it? A few days ago Fortiva reported to the credit bureaus saying that I missed a payment. I'm not sure why the payment was missed as I have auto pay set up and they typically just draft the payment from my account. I tried to dispute this with Fortiva but to no avail. I had to pay {$67.00} to Fortiva on top of the unexpected $ 132 monthly payment so they would open my account back up and not report me to the credit bureaus as past due. A closed account after only 30 days? I have been a very loyal and patient customer considering they have been deceitful and scammed me into a 5 year contract and a credit card. XXXX and Fortiva are highly deceptive and misleading in their sales and business policies and procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: OH

Complaint narrative:
I received a letter from XXXX dated XX/XX/year>, stating that they have deleted the XXXX XXXX bankruptcy from my file due to the data being unverifiable. XXXX sited this according to the FCRA 15 USC 1681 et seq. XXXX, XXXX and TransUnion failed to remove the same bankruptcy from my report stating that XXXX has verified it after XX/XX/year>. This is a violation of my rights and I demand that this information be deleted immediately.

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 2024-10-15 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: OH

Complaint narrative:
I received a letter from XXXX dated XX/XX/year>, stating that they have deleted the XXXX XXXX XXXX from my file due to the data being unverifiable. XXXX sited this according to the FCRA 15 USC 1681 et seq. XXXX, Equifax and XXXX failed to remove the same bankruptcy from my report stating that XXXX has verified it after XX/XX/year>. This is a violation of my rights and I demand that this information be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MD

Complaint narrative:
XXXX XXXX {$91.00} on XX/XX/XXXX ( XXXX ), {$0.00} XX/XX/XXXX ( Equifax ) Account is over 7 years old and still listed on Equifax and XXXX as a collection account with a balance. Was researched and found inaccurate, and deleted from XXXX THIS IS INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX {$490.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but Experian and XXXX refused removal

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 2024-10-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The date the account opened was XX/XX/XXXX for a credit limit of {$250.00}. it's not showing any payment history. My last payment on this account was XX/XX/XXXX, XXXX from XX/XX/XXXX until current the account has been reporting " Charge off '' 70 months for the amount of {$550.00} there is not phone number or contact information. The company name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
After doing deep research I discovered there are a few accounts that should not being reported on my credit Report it's has been identity theft due to the exqfaix data breach. I contacted Equifax they sent me information that I was impacted by the data breach this account is also NOT in compliance with accurate metro 2 reporting. 
The payment history is showing missing months that show be reported. XXXX XXXX then XXXX XXXX and a closed. It's clear this is a error!!!! 


This account must be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc.
State: AL

Complaint narrative:
Went to add paper money to cash app like I always do to pay my bills and all of a sudden the add paper money feature was gone called and asked them what happened to it and they said it was not available that they can remove it without notice I told them that that was not in there disclaimer when I opened account they said we'll we can't help that and there is no way to change it it was there choice had this card for years and all of a sudden they remove it glad I don't use them for direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: WI

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-10-15 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: WI

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-10-15 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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
Accounts being reported are manipulating the statue of limitations i have requested this info to be removed instead i got an credit report with the same information no changs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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:
To Whom It May Concern : I am filing a formal complaint against Experian regarding their failure to respond adequately to my dispute submitted in XX/XX/year> concerning accounts inaccurately reported on my credit report. The accounts in question are charge-offs from XXXX XXXX, and XXXXXXXX XXXX 

Details of the Complaint : 1. I submitted a formal dispute to Experian on XX/XX/year>, specifically disputing the following accounts : XXXX XXXXXXXX XXXXXXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXX XXXX. This dispute was sent via certified mail, and I have retained the receipts as proof of delivery. 

3. I assert that these accounts are not associated with me, nor did I authorize any transactions or share my information with these creditors.

4. I did not grant written permission to the creditors or Experian to furnish, share, or collect any of my personal information, which constitutes a violation of my privacy rights as protected under federal law.

5. Despite my clear request, Experian failed to conduct a proper reinvestigation of these accounts, merely stating that they were verified without providing any supporting evidence.

6. I specifically requested validation of these accounts, which should have included : o A copy of any contracts bearing my signature o Correspondence Experian claims to have received from the creditors asserting that I owe this debt 7. To date, Experian has not provided any documentation to substantiate their claim that these accounts are legitimate or verified.

8. Under Section 609 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g ), I have the unequivocal right to request and obtain proof of the validity of any information reported about me.

9. The lack of response and failure to provide required documentation constitutes a violation of my rights under the FCRA, further harming my credit profile and financial stability.

10. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation of disputes ( 15 U.S.C. 1681i ), which Experian has neglected to fulfill.

11. Furthermore, the unauthorized sharing of my personal information violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ), which protects consumers personal financial information.

12. I am demanding the immediate removal of these inaccurate accounts from my credit report and confirmation that they have been deleted.

13. I expect a prompt and thorough response to this complaint, including documentation that details the actions taken to rectify these issues.

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 2024-10-15 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: AL

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 2024-10-15 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: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX {$490.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but XXXX and Equifax refused removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-10-15 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-15 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: AL

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 non-monetary relief
Consumer complaint received 2024-10-15 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appealing on my consumer credit report that results of identity theft and fraud with 4 business days of you recieving this complaint. This fraudlent, inaccurate, and false information consists of a personal credit card account opened at XXXX credit, on XX/XX/XXXX under the account named XXXX XXXX, another credit card account JPMCB card services XX/XX/XXXX, XXXX cant give the exact dates of both of theses accounts opening all I know there have been a data brench and I have been recieving letters concerning this matter also mail being stolen out my trash. Theses accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report.

Company response to consumer: Closed with explanation