vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I signed up for a XXXX XXXX Synchrony Bank ) credit card for a one-time purchase ( {$6000.00} purchase ). I was under the impression that I had NO interest for XXXX  months. Apparently, it was deferred interest ( which was never made clear when I signed up for the credit card in the store ) where I would be charged the 28 % interest on that initial charge after the XXXX  months expired. I had a ~ {$5500.00} ( I had paid this down from {$6000.00} ) on the credit card. On XX/XX/XXXX, when the interest was charged, I was hit with a {$2100.00} charge. The interest was accounted for wrong ( even if they could charge me on the {$6000.00} and not the {$5500.00}, that charge would be {$1600.00}, not {$2100.00} ). They also advised me that I was given a 30 day grace period from XX/XX/XXXX to XX/XX/XXXX ( and I called them on XX/XX/XXXX ), but that information was never made available via email or phone and they failed to advise me. I also never received any email or phone call advising that I would be charged a large interest amount and that the XXXX  months were almost up -- they hid the ball to wait to charge me. Not only did I attempt to file a complaint, they kept cycling me through their customer service rather than escalating to management to exhaust the consumer rather than offering a real solution. The worst part about all of this is that I will now begin to pay interest on the massive {$2100.00} interest charge! These practices are incredibly shady and I will continue to pursue every resource available to me to correct these fraudulent and ambiguous business activities. These practices by laws are surely intended to undercut the consumer protection laws and take advantage of those without providing clear disclosures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: VA

Complaint narrative:
I got a hold of kick off and informed them the account was not mine. My identity had been stolen and for them to remove this off my credit. They continue to leave the account open effecting my credit negatively despite the fact that this is not my account or my debt. My identity was used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized accounts and hard inquires that I do not recognize.

I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit bureaus after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me. 

15 U.S. C CODE1681 ( b ) and 1681c-2 I have attached my FTC report with my ID and address verification, stating these accounts were open by fraud and made a police report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized accounts and hard inquires that I do not recognize.

I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit bureaus after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me.

15 U.S. C CODE1681 ( b ) and 1681c-2 I have attached my FTC report with my ID and address verification, stating these accounts were open by fraud and made a police report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: AR

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-17 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 noticed that a child support obligation is listed on my credit report with Experian. However, this information is inaccurate and does not meet the reporting standards outlined in the FCRA. According to 15 U.S. Code 1681b, consumer reports related to child support obligations must be based on legally established or acknowledged parentage and used solely for enforcing child support. In my case, the reporting agency failed to meet these standards, as the information is either outdated, inaccurate, or improperly verified.

Additionally, this account is negatively impacting my credit report, despite child support obligations not being acts of credit or loans. The reporting agency has not followed the legal requirement to ensure the information is accurate and verified.

Im providing documentation to support my dispute, including proof of identification, address, and evidence that the information is incorrect. Despite this, the account has not been removed. I request immediate removal of this inaccurate item to ensure compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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:
XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 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 2024-11-17 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: PA

Complaint narrative:
15 usc 1602 By law charges off or an accurate information on your consumer report supposed to be deleted XXXX the XXXX already deleted this item Equifax please delete this item out your system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MD

Complaint narrative:
Around XXXX, I was able to pay off all of the debits I encurred taking care of my mother with XXXX. I payed everyone back, some accounts were settled for less than the amounts owed. XXXX was a company I settled through another company whom bought the account. I continued to receive collections call from another company on their behalf. I explained mutiple times and sent the documentation to show I had payed the account, which was {$500.00} in full for the XXXX and the extra fees charged were supposed to be null because that was the actual credit limit and at the time I defaulted the card was not maxed out, and the collections agency said that would be the best they could do to settle the account. So I payed them over the phone. For about six months the calls stopped. Then they started again with XXXX saying I owed just {$500.00}. Again, I said I did not owe the money, and that the account had beeen settled and gave the information. A few months later another collections agency contacted me saying the bought the account from XXXX  and that I could pay them. My credit report is still showing the original creditor, being XXXX. When I called them they said that they never received payment for the account. I alerted them that they sold the account and the collections agency had recieved the money. They told me they bought the account back and that I now owed them the money for the account. While disputing this with them, I and my children had to flee our home due to XXXX  XXXX, my life was basically thrown away as revenge and what calls that were being recieved, I was unaware that my phone had been cloned. My x had his sister and niece calling/answering certain calls and making promises to pay this bill again. I again called and explained that I already sent the information and that they were not talking to me. They began calling me non stop three and four times a day. I ended up blocking them enough times to have mental peace, however its been 9 years and they are still reselling the account and not only are the new owners marking my credit report, XXXX the original owner is making bad marks on my credit report. I dont know how to get them to stop, and I havent answered a call from them in over 4 years, three of those years I was homeless with no address. Im not sure what else to do, I tried to go to the police, but my problems are not monatry enough for them to get involved. I tried to show the accounts that were payed the same time to show I payed everybody and some were more than XXXX, why would I skip the one account. Now they dont call as my number has never changed, but they continue to negatively report to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I've contacted to collection agency and asked for the purchase agreement and they said they did have one to send me..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. XXXX XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX XXXX  ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX XXXX XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) Inquiries : ( XXXX XXXX - XX/XX/XXXX ) ( XXXX  - XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ) ( XXXX  XXXX - XX/XX/XXXX ) ( XXXX  XXXX - XX/XX/XXXX ) ( XXXX XXXX - XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ) ( XXXX- XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX  documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app has identified me as being affected through its class action settlement along with its subsidiaries. After reviewing over my accounts history, there are several credited, debited, and duplicate amounts taken and or applied on my account. I'm unaware of all these charges and had no idea until I received this notice. 

Received notice by mail and e-mail. 

FWD-Notice ID : XXXX Confirmation XXXX NOTICE OF CLASS ACTION SETTLEMENT You may be eligible for cash payment from a class action settlement involving Block, Inc. and Cash App Investing, LLC but you need to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: HW Holding, Inc
State: WA

Complaint narrative:
I am disputing a collection account that appears to be the result of fraud and identity theft. This account was transferred without my consent, violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agencys handling of my information.

I have filed an Identity Theft Report with the FTC, revoked any consent to possess, use, or share my private information, and requested immediate deletion of this fraudulent account from my credit file.

Furthermore, I am requesting that this account be removed within 4 business days under 15 USC 1681s-2 ( 6 ) ( B ), as its continued reporting suggests an attempt to extort payment for a debt that I do not owe, violating the FDCPA. The collection agency has failed to provide verification that they are legally authorized to collect this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union is reporting XXXX on my credit report also XXXX which XXXX erased because of 15 USC 1681 ( c ) 15USC 1692 ( f ) and 15 USC 1692 ( c ) cease and desist which should have gave the same results as the other bureau also XXXX is reporting a XXXX  XXXX which no long have a account with my credit account see attachment this needs to be removed 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
XXXX  Servicer for Department of Education showing incorrect account information on credit bureau reports with XXXX, XXXX and XXXX. XXXX  is know longer the servicer on the account and the current servicer of the Account is XXXX for the Department of Education and XXXX is the Servicer for Department of Education Loans. 
Credit Reports with XXXX, XXXX and XXXX reflects the loan repayment status and payment due when the Department of Education has granted relief under the Student Defense forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the ** i am asking you to verify as accurate 1 XXXX XXXX XXXX account XXXX 2 XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My debt was sold to portfolio, I have received what feels like hundreds of phone calls from them. It says I opened an account with them in XXXX which is not true. I have not discussed anything with portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized accounts and hard inquires that I do not recognize.

I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit bureaus after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me.

15 U.S. C CODE1681 ( b ) and 1681c-2 I have attached my FTC report with my ID and address verification, stating these accounts were open by fraud and made a police report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am requesting names and addresses listed be updated and in correct names and addresses be removed frlm.my credit information.

Company response to consumer: Closed with explanation