vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank 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 2024-04-19 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: NJ

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank 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 2024-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a victim of identity thief. i reported this information numerous of times but they still choose to report this 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to XXXX XXXX XXXXXXXX XXXX  Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY, This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 
Delete ACCOUNT 'S # XXXX 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 2024-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: UT

Complaint narrative:
XX/XX/year> is when I went to XXXX XXXX XXXX to begin my medical process. My medical/dental procedure and plan was organized by XXXX XXXX XXXX with a Lifetime XXXX  Guarantee. XXXX filed for bankruptcy XX/XX/year> and no longer provides services. I was medically abandoned. Healthcare Finance Direct has been trying to collect payment for my account for a service that NO longer exists. I've paid {$690.00} to XXXX XXXX XXXX and Healthcare Finance Direct in total. 

A similar company called XXXX XXXX XXXX Retainers contacted me via text as they were 'partnering ' with XXXX  XXXX XXXX to offer me retainers with my medical history on file. I believe this is another manner which these companies are attempting to collect payments for promised services they no longer provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank 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 2024-04-19 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: PA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Back in XXXX of XXXX I went to a Victoria 's Secret store to pay my balance in full on their credit card. I asked the store clerk to let me know how much money I owed, and I was given an amount. To make sure it was the full amount, I had the clerk triple check the balance was the full amount. After she gave me the balance amount, I paid it off. After that, I never used my card again. 

Sometime after I paid off my card, I found out that the Victoria 's Secret account balance was over {$400.00}, and it was a charged-off account! I spoke with Commenity Bank who is the issuer of the XXXX XXXX XXXX credit card to figure out why there was a {$400.00} charge-off on my account. In all seriousness, I thought I had been a victim of fraud. Either someone took my card info and used it to purchase clothing, or the store clerk had taken my money and never really paid off the balance on what I owed. My mind was racing. 
It turns out, the truth was much simpler and more unbelievable. 

Commenity bank told me that I had in fact paid off my card on XX/XX/XXXX of XXXX, and that the balance was at {$0.00} when I did, but that at the end of the billing cycle, they had charged me {$2.00} of interest. I couldn't believe it. I asked them why they would charge me interest after the balance was fully paid off, and they never gave me a good explanation. Those {$2.00} in interest which were added to my card balance weeks AFTER I had paid them in full then eventually became {$400.00} due to late fees and penalties. I fought with Commenity Bank for months and never got anywhere with them. They refused to fix anything and said it was all my fault. 

I'm not perfect and I know I don't have perfect credit. I have had many situations in my life where I have had to struggle financially over the years and my credit suffers due to it. Therefore, I won't pretend like this is the end of the world for me. What I will say, however, is that me causing damage to my credit is one thing, but a creditor causing damage to my credit for their terrible billing practices is another. You can't charge someone interest weeks after the balance on the card has been paid in full. To do so is predatory. And in the end, damaging my credit further for their mistake is still a harm to me. This particular harm cost me XXXX points from when I had paid my card in full, and when they started reporting multiple late payments on my report.

Please get them to remove this account from my credit report and remove the balance on it. I know that if this balance remains, they will eventually sell this debt and then I'll have a collection on my credit report for something I don't owe which will cause even more damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX ( {$1600.00} ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX - XXXX ( {$320.00} ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked to Stop reporting this collection because it is unknown. 

XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've requested to Stop reporting this collection because it is unknown. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES ABOVE, I've asked to Remove this inquiry because of false reporting, it does not meet one of the requirements for the reporting of inquiry.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
All credit decisions made have been affected by this incorrect information being reported by Experian. It has been reported inaccurately since 2015. Status for said bankruptcy has been discharged since XXXX of 2015. All other buruaes report correctly as discharged as verified by court documentation obtained twice, in writing, by debtor, herself to verify current and indefinite status and it shows discharged. Please update and delete all inquiries and or request any denials of services be appealed and offer any other protection that may be requested with regards to negatuve outcomes in credit worthiness by updating my profile immediately due to length of time and gross negligence on the credit reporting agency, Experian 's behalf.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked on my credit report and noticed that there is a late payment for XXXX days for my credit card account for XXXX XXXX XXXX in XXXX XXXX XXXX PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.

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 2024-04-19 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: CA

Complaint narrative:
I looked on my credit report and noticed that there is a late payment for XXXX days for my credit card account for XXXX XXXX XXXX in XXXX XXXX XXXX PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
These accounts are not mine. I would like you to review these. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts are not mine. I would like you to review these. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ensuring timely payments on this account has been a consistent priority, ensuring no instances of overdue status. The reasons for the late payment remarks on my accounts remain unclear to me. As per 15 USC 1666b - Billing Error, corrections ought to be implemented.

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 2024-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent off letters certified mail regarding compliance XX/XX/XXXX. I have yet to receive any notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Around XX/XX/year> I reported unrecognized activity on the account ( charged ). The account was then suspended & investigated by Macys. Further transactions from another state confirmed the card was compromised. I requested it be closed via phone and mail around XX/XX/year>. I continued to make payments via online to avoid any negative consequences on my credit. The website itself was hard to navigate and locate certain subtopics such as letters and any activity beyond XXXX months. I then seen on my credit that Macys closed the account on XX/XX/year>. They have not notified me directly of this. They have took unethical tactics such as XXXX the credit card limit after receiving on time payments to reflect over the limit balances and maximizing interest on balance forward. Several transactions that are unrecognized remain on the closed account and do not belong to me. I tried resolving this with the creditor but continue to get the run around with off shores representatives who also seem unskilled! Please help! I want this entire account removed from my credit report and history.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN claims to have investigated an account and verified its accuracy. This account XXXX XXXX XXXX is still inaccurate and needs to be removed immediately. The account reads an open date of XX/XX/2022 however there is no payment history during that time. This account does not meet metro 2 standards for accuracy and EXPERIAN said they investigated which is a lie.

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 2024-04-19 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: CO

Complaint narrative:
I tried calling Experian because I am trying to to seek clarification regarding the removal of late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report but did not get the option to talk to a live agent. The options I received when I called were " f you are calling regarding a security freeze, press XXXX or for a fraud alert, press 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 2024-04-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive just obtained a copy of my credit report, and found the following to be errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT have. Contract with this company. 

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. Also, letters have been stated that this was verified and under 15 US Code 1681i, states to follow a set of procedures to dispute accuracy. 

Please DELETE the prior collection 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 2024-04-19 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: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I am buying a house and called on XX/XX/XXXX to verify that I would be able to wire transfer funds over the phone from my savings account for closing. I spoke with XXXX separate customer service reps ( XXXX from the wires department ) who verified that this wouldnt be an issue. We specifically discussed the time sensitive nature of the transaction and my inability to visit a branch since I live in WA state and they do not have any branches. 

Today, on XX/XX/XXXX they are refusing to guarantee the funds will go out before the end of the day even thought I contacted them before noon to arrange the transfer. I know for a fact they have all of the required documents and that there is a recording of the phone calls where I was told that the transfer wouldnt be an issue. 

I spoke with a manager before the wire cutoff and they refused to wire my money as requested even though there is still time. I feel I have exhausted all possible options for remedy with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NV

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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I started a settlement with XXXX XXXX through XXXX XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I paid the final settlement agreement amount. I paid the settlement as agreed on time NEVER LATE. Unfortunately, XXXX representatives XXXX and XXXX XXXX unscrupulous, disingenuous, reporting practices maliciously intended manipulated my status updates each month, since the settlement began.

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