vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: TX

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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 ) X1 ) 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Help Financial, LLC
State: UT

Complaint narrative:
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: UT

Complaint narrative:
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX AUTO XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCEPT XXXX. XXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed inaccuracies on XXXX, XXXX, and Experian for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I paid off the final amount of XXXX and some change so I could be done with the account. They charged me a {$2.00} interest fee.. and a late fee for the XXXX that they said couldn't be taken out on time even though it came out of my account when they finally decided to take it. So I said whatever, I'll pay it. Tried paying {$20.00}. They didn't take it out on the day I scheduled it, instead waiting several days. I never even got a notice that they tried to withdraw it nor did I get a transaction declined message from my bank, meaning no attempt was made & I was charged a late fee for no reason. My balance went from {$2.00} to {$72.00} AFTER I paid off the account. I've messaged them several times and they just give me a generic response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Its imperative to me that my information reports with 100 % accuracy. The address Experian is reporting is incorrect Im asking for an immediate removal of the address below XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX asking for the address to be updated to XXXX XXXX XXXX XXXX XXXX, FL XXXX It looks like address was removed and reinserted

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.

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 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo approved a payment to XXXX XXXX. Went I spoke to well Fargo representative they told me was pay because they assume recurrent payment that I authorize. 
I have XXXX XXXX since 2020 but every year I need the payment by my self on different card number. Because I dont have confidence in automatic payment. On my XXXX account they have an old card number one that is discontinued. Well Fargo accepted the payment through that card number. I have the receipt from XXXX XXXX and oldest receipt where is proof of payment with different card. 
How can Wells Fargo been some irresponsible to give my information to that Comp and my money.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX  account number XXXX and account XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX account number XXXX and account XXXX account number 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 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
Someone fraudulently placed an order in my name on XX/XX/XXXX to purchase an XXXX XXXX XXXX XXXX - XXXX in XXXX XXXX . The card # used ends in XXXX which does not belong to me. The invoice number is XXXX. The XXXX order # is XXXX. The payment listed is {$130.00}. The total cost I am being charges is {$1400.00} which is the cost of the phone and a monthly statement fee for XXXX account # XXXX. I did receive a box at my home, and it was returned. The return date is XX/XX/XXXX. All of this information was provided by a customer service agent with XXXX. I have copies of the purchase invoice and the return of the product to an XXXX store in my area. The last order status shows a refund was going to be processed and returned to the card ending in XXXX in the amount of {$130.00} which I do not own. 

This account was resolved with XXXX XXXX, but it was sold/transferred to XXXX XXXX XXXX , reference # XXXX. Their invoice is dated XX/XX/XXXX. I was able to dispute this account and they removed it from their system. Now the same account has been sold/transferred to Sunrise Credit Services , reference # XXXX. This collection agency also says I owe {$1400.00} just like the previous collection agency. A brand-new phone was returned to the creditor and never used. How can I be charged for a phone I did not order, and the return was processed by an actual XXXX employee at a store?

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 2023-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a citi accelerate savings account. I have called more than 10 times to have them withdraw/ close my account. They have cited multiple technical issues over the phone. The website has given me the same error when trying to withdraw. I have more than {$2000.00} locked up now and they are not helping me to withdraw or close my account.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of bridgecrest that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana Global DMV DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana Global DMV DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent Transunion numerous letters from SC Bankruptcy XXXX to remove Bankruptcy in eeror because the courts made a mistake of mistaken identity Transunion have received letters about the bankruptcy in my name that was wrong. Transunion never removed Bankrupts and didnt care to remove it i have called numerous times and was talk to very disrespectful

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX XXXX I opened an Ashleys card by synchrony bank. I purchased a sofa with my card and have made timely payments and have never been late. I kept some credit on the card in case I wanted to buy more furniture, however, Sychrony bank kept decreasing my available credit. To the point where I now had only {$600.00} in credit when initially, I had a {$2500.00} credit limit. Yet, I kept making timely payments. After I made XXXX payment, they added a {$900.00} interest rate charge to my account and over charged my account and this made my account go over limit. This isnt right, just overnight, they took away any remaining credit I had on this account. My balance was almost paid off and now this did this crooked transaction. This isnt right, I have other credit cards and Ive never had this happen. I promptly closed my account with these crooks.

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 2023-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX capital one I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent Transunion numerous letters from XXXX Bankruptcy Court to remove Bankruptcy in eeror because the courts made a mistake of mistaken identity Transunion have received letters about the bankruptcy in my name that was wrong. Transunion never removed Bankrupts and didnt care to remove it i have called numerous times and was talk to very disrespectful

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received USPS mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received XXXX mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents as well.

Company response to consumer: Closed with explanation