vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Subject : Request for Credit of Late Fee Charged on Payment Made on Due Date Dear CFPB, I am writing to request assistance in resolving an issue with Comenity Bank regarding a late fee charged to my account. I believe this fee was applied in error, as my payment was made on the due date as required. 

Details of the Issue : The payment in question was submitted on XX/XX/year>, which was the specified due date on my billing statement. 
The payment was processed through automated phone system. 
Despite making the payment on time, I was still charged a late fee of {$29.00}. 
Reason for My Request : According to the Truth in Lending Act ( TILA ), late fees should not be assessed when payments are made on or before the due date. Additionally, as a consumer, I ensured the payment was made within the time frame outlined in my account agreement. If there were issues with the processing time on Comenity Bank 's end, that should not be attributed to me as the account holder. 

I kindly request that Comenity Bank credit the late fee back to my account as I complied with all payment deadlines. 

Requested Resolution : A reversal of the late fee charged to my account. 
Clarification on how this issue occurred and confirmation that my account is in good standing. 
Thank you for your time and attention to this matter. I appreciate the CFPBs support in helping resolve issues like these fairly and in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX Acct # ending XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one and XXXX XXXX and XXXX XXXX  I filed bankruptcy in 2021 and never applied for any type credit my score been the same when I filed XXXX yrs ago never moved after XXXX other people tell me my score should moved up by now. Please remove this negative and fraud account away from me. XXXX XXXX and XXXX. They also hard inquiry on my account I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
Several of my loan accounts are marked as closed instead of paid off. Also, several accounts should be closed to the length of the debt. Also, my information was exposed in several data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: LA

Complaint narrative:
ACCOUNT NOT MINE EXPERIAN DIDNT DELETE ALSO ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND THIS ACCOUNT ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THAT FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT AS SOON AS XXXX XX/XX/year>. AND I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND UTILITY BILL.

POSIBLE.

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 2024-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I am not liable for this debt I do not have a contract with this collection agency SENTRY RECOVERY I would like this item removed from my credit report due they have not sent me the original contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX accounts they have reported several different amounts owed one account was a secured account in which they lie and say it wasn't they have been reporting false and incriminating information on my credit report for several years now and this site here y'all are here for nothing how do I ask for an investigation of a company and their wrong doing and y'all tell them to investigate the situation makes no dam since at all sure they are not gon na say they been reporting wrong information this is a sorry excuse for a company both y'all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I told the company stop contacting me, I tried to dispute it with them and explain this was not even me or a account i set up still no help.now they are back harassing me again after have filed my last complaint with you guys.and also now they have added some type of fees it has always shown XXXX $ on my credit profile now they are sending me wrong fees showing XXXX plus now.this is not right or fair.i also will attach proof which contains emails and the original price on XXXX file which is XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
A creditor is reporting an account negatively on my report, but has not established ownership of the account nor investigated the account for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TX

Complaint narrative:
Subject : Dispute Regarding Inaccurate Information on Credit Report Dear CFPB Team, I hope this letter finds you well. I am writing to formally address an issue I have encountered with my credit report, specifically with Equifax, regarding the reported child support payments under an incorrect version of my legal name. 

My legal name is XXXX XXXX XXXX XXXX XXXX However, the child support payment record lists my name as XXXX XXXX XXXX XXXX which omits my full legal name and designation as " XXXX. '' This discrepancy has caused confusion and has likely contributed to inaccuracies in my credit report. 

Moreover, I believe that the majority of the reported late payments associated with this account are erroneous. Due to this name discrepancy, many of these late payments may not accurately reflect my payment history. In fact, I have already filed a dispute with XXXX regarding this matter, and they sided with me, acknowledging the inaccuracies in their records. 

I kindly request your assistance in reviewing this matter and taking the necessary steps to ensure that Equifax corrects the inaccuracies associated with my credit report. I believe it is crucial for my credit history to accurately reflect my legal name and payment behavior. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , reporting information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX. XXXX, XXXX under the account number XXXX, an auto loan account opened at XXXX on XXXX XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XXXX. XXXX, XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-25 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: EQUIFAX, INC.
State: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company from my information XXXX. Please delete the following accounts. 

creditor : XXXX  Account Number : XXXX Balance : {$0.00} creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$27000.00} Creditor XXXX XXXXXXXX Inquiry date:XXXX Incorrect name ( s ) : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
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 2024-12-25 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: FL

Complaint narrative:
XXXX is reporting my account as closed. Transunion is reporting my account as closed. 
XXXX is reporting my account as OPEN. 

I told all 3 credit agencies to remove the account because XXXX is not the same. Its been open for over XXXX months after the account was closed. 

XXXX is cheating me. They wants to close the account instead of removing it from my credit report. I have proof of everything. 

The account is XXXX XXXX XXXX loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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:
XXXX is reporting my account as closed. XXXX is reporting my account as closed. 
Equifax is reporting my account as OPEN. 

I told all XXXX credit agencies to remove the account because Equifax is not the same. Its been open for over 8 months after the account was closed. 

Equifax is cheating me. They wants to close the account instead of removing it from my credit report. I have proof of everything. 

The account is XXXX XXXXXXXX XXXX loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am a co-borrower / co-buyer of a single family home which I owned with my mother for over 20 years, I was recently discharged from a XXXX wage earner plan in XXXX. Our mortgage is currently held by Select Portfolio Servicing Inc., My mother passed away on XX/XX/XXXX and was buried on XX/XX/XXXX of XXXX in North Carolina. I initially notified the mortgage company by phone about 6 months after her passing to let them know my Mom was deceased. The mortgage statements continued to come with my mothers name still included until the end of the year. In XXXX of XXXX I received the year end interest statement with me and my mothers name still together on the statement, It was at this point I also noticed the mortgage and history of payments was not being reported to my credit bureaus. In XXXX of XXXX I decided to send formal notification in writing by certified mail outlining the discrepancies and that they be corrected with reply confirmation returned. To date the status remains the same and no resolution, I provided a written notice of my mothers passing along with the death certificate. Also written notice of the mortgage and payment history not being reported to include accuracy and the entire payment history to my credit bureaus. The mortgage statements still arrive with my mothers name included to this day ... .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: SC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: SC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-25 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: FL

Complaint narrative:
Dear Experian, I am writing to inform you that I have sent a certified mail to initiate the arbitration process, as outlined in my previous communication. As per the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ), I am requesting that you cover the cost of arbitration, as stated in the certified letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There were many applications I completed and was denied jobs and housing due to these reports. I did dispute many of them but it did not fix anything ... ..I don't have the dates because there were so many times I tried. That's why now I'm afraid to look for a house and anything else because I'm sure I'll be denied from this happening.

Company response to consumer: Closed with explanation