vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: NY

Complaint narrative:
I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, these fraudulent items persist on my credit report. 
Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Creditor : Credit Acceptance Amount Reporting as Owed on Credit Report : {$12.00}, XXXX Credit Acceptance is operating fraudulently by reporting false, inaccurate information on my XXXX and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX accident and the car was totaled out. I notified Credit Acceptance of the accident and left the vehicle at the scene of the accident as it was undrivable and destroyed. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, Credit Acceptance asked me to make a payment to satisfy the account. I sent the payment to Credit Acceptance, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, Credit Acceptance turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, Credit Acceptance sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from Credit Acceptance as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, Credit Acceptance still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO LIEN HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for 5 years and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the 5 years of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, 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 2024-06-11 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:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Company : AAAXXXX/Advantage ( COMENITY CAPITAL BANK - Bread Financial ) Due to an unfortnantly medical diagnosis within my family, I fell behind XXXX  months on this account. I agreed to close my account with their collections department and they would put me on a XXXX month repayment plan at XXXX  % interest. I agreed to make a large payment to cover several months of back payments to help bring my account to a " current '' status and after this payment was made, I agreed to pay {$420.00} a month at XXXX % interest for XXXX months which included having to schedule automatic monthly payments directly debited from my bank account This was back in XXXX of XXXX. Nothing has changed on this account as I continue to get charged interest and fees on this account monthly and it continues to report late on my credit report. 

I have tried reaching out to compay via telephone and email and have not had any success. I received canned email responses that ignore the details I have provided. A telephone number to their collections department that is not in service ( XXXX ). When I call the general customer service line and can finally get thru to collections, I have been disconnected on more then one occasion as the representatives do not appear to be capable of understanding the problem. I have asked for details in writing of the XXXX % program which they were suppose to send to me when I agreed, however, the only thing I received from them was the confirmation of automatic scheduling of monthly payments for {$420.00}. 

This agreement was made XXXX XXXX, XXXX. 

Payments Made since agreement : XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} Interest Charged since closing account and agreement to XXXX % : XX/XX/XXXX - {$320.00} XX/XX/XXXX - {$99.00} XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$340.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$64.00} Late Fees Chared since agreement was made : XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$39.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was never late on the account listed above, please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my account. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid late payments and is preventing me from being extended my credit. This has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. The FCRA allows 30 days for this to be rectified. After the late payments are rectified and corrected to reflect payments made on time, please provide me with a free updated copy of my report.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was never late on the account listed above, please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my account. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid late payments and is preventing me from being extended my credit. This has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. The FCRA allows 30 days for this to be rectified. After the late payments are rectified and corrected to reflect payments made on time, please provide me with a free updated copy of my report.

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 2024-06-11 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: FL

Complaint narrative:
I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid off the entire balance of {$6200.00} on my Capital One credit card 5 days before the due date ( due date was XXXX and payment made online on XXXX ) which left a {$0.00} balance. On the next statement, even though no further charges were made and there was a {$0.00} balance, they charged me {$68.00} interest. When I called the company, they were very vague in how this interest occurred. This credit card advertises no interest will be accrued if the balance is paid in full before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX - I used my credit card from Target to pay an item of {$570.00} in my son 's XXXX account. 
XX/XX/XXXX I reviewed my Target card statement and my own XXXX account and had forgotten the payment on my son 's XXXX account, thus calling Target Card services saying it was not my charge XX/XX/XXXX I remembered the charge was mine and called Target again. to apologize and to inform the charge was mine and was not fraudulent. Target said it will show fixed in my statement in a few days XXXX thur XXXX - Called Target card every other week because they keep fixing the charge and reversing it, moreover DUPLICATING it ( also three other smaller charges which had no issues where added back and forth from my account ) I paid the correct balance of {$790.00} ( included and extra {$3.00} ) on time on XX/XX/XXXX. 
It appeared they never fixed the incorrect fraud call, and the vendors were just trying to get paid, but Target kept treating them as fraudulent in spite of my notice at the end of XXXX, and in spite I paid Target for the item ( s ). Target kept saying the duplicated balance will be fixed. But they did not until I involved the XXXX, but my credit record dropped XXXX points because I did not paid the incorrect duplicated amount. 

My credit score was reduced due to their mishandling of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11 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:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2024-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Unauthorized wire transfer. 
Scam. 
4 different wire transfer were sent to a Banks in new York. 
I was victim of a Hacker who got acces to my bank account, I never said any personal information the hacker knew everything details about my account balance, password, username, phone number linked with this account. They sent a text messages " fake messages about a suspicious activity on my account Then the hacker called me on behalf of Security department to stop any unauthorized charges from a XXXX store, XXXX he always pretend to make feel like the bank is working to stop any fraudulent activity.

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 2024-06-11 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: NY

Complaint narrative:
I am writing to bring to your attention a serious issue regarding inaccurate information being reported on my credit reports by multiple credit bureaus. Despite my numerous attempts to have these errors corrected, the account in question continues to be reported with derogatory remarks and comments about foreclosure. This inaccurate reporting has severely damaged my credit score and financial standing.

Specifically, the account should be reflected as PAID and without any foreclosure remarks. I have provided detailed evidence, including account summaries and correspondence with the creditor, indicating that the account was settled in full and no foreclosure proceedings occurred. These documents clearly demonstrate the inaccuracies and the need for correction. 

The credit bureaus involved have failed to take appropriate action to correct these errors, despite my ongoing efforts to resolve this matter. As a result, I am escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit reports are accurately updated and to prevent further harm to my creditworthiness. 

Failure to address this issue promptly will leave me with no choice but to consider legal action to rectify the situation. I trust that the CFPB will assist in ensuring that the necessary corrections are made.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention a serious issue regarding inaccurate information being reported on my credit reports by multiple credit bureaus. Despite my numerous attempts to have these errors corrected, the account in question continues to be reported with derogatory remarks and comments about foreclosure. This inaccurate reporting has severely damaged my credit score and financial standing. 

Specifically, the account should be reflected as PAID and without any foreclosure remarks. I have provided detailed evidence, including account summaries and correspondence with the creditor, indicating that the account was settled in full and no foreclosure proceedings occurred. These documents clearly demonstrate the inaccuracies and the need for correction. 

The credit bureaus involved have failed to take appropriate action to correct these errors, despite my ongoing efforts to resolve this matter. As a result, I am escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit reports are accurately updated and to prevent further harm to my creditworthiness. 

Failure to address this issue promptly will leave me with no choice but to consider legal action to rectify the situation. I trust that the CFPB will assist in ensuring that the necessary corrections are made.

Company response to consumer: Closed with non-monetary relief