vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I opened a XXXX XXXX Credit card in XXXX. XXXX XXXX  I made my payment prior to the due date. They then tried taking out the funds on an auto billing. The funds were not there because I had already paid them. They then charged me a return fee. I kept the card into XXXX even tho I had so many issues. In XXXX of XXXX I paid off the card. The amount showed that I owed {$210.00}. That is what I paid. After paying it off Camenity Bank closed out the account. I called them and asked why and never got an answer but it was paid off so a reasonable person could not be concerned. Fast forward to XXXX and it is showing on my credit report that I have an outstanding balance of {$230.00} and that is was XXXX XXXX I did not understand this so I contacted XXXX XXXX comenity bank. They stated that they had no information and that the account was sold to XXXX XXXX. I contacted XXXX and was able to get the statements. Its shows that I paid off the XXXX  ( see statement ). They charged me {$2.00} interest. Even tho it was paid off the XXXX XXXX. They doubled that fee every song XXXX  before selling it to XXXX. I had paperless billing so I never received a bill. The account was closed by the lender so I didnt even have access to an online portal. It just stated account closed. So essentially VS/ comenity bank not only should not have given ne an interest charge because it had a {$0.00} balance they grew that {$2.00} to {$230.00} to sell it. Even though I brought this to XXXX XXXX attention and they can see what comenity bank had done the XXXX refused to let it go. Now VS/ comenity bank is showing a negative mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach & XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 1 ) Soutwest Recovery for {$1300.00} 2 ) XXXX XXXX XXXX for {$2600.00}.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my consumer report and noticed I had fraudulent accounts on my report XXXX has violated my my rights on ( XXXX ) They violated these laws 15 USC 1692 ( b ) ( 2 ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( B ) ( 5 ) Please remove this account from my report they are hurting my ability to obtain credit.

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 2024-01-20 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: WA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List of negative accounts from your Equifax credit report, accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureau has been complicit with XXXX XXXX XXXX reporting inaccurate account status for approximately 3 years. Account disputes results in more inaccurate changes which continues to damage my credit rating. The consistent inaccurate reporting is a defamation of character and is harmful to fair and equitable access to credit. 


XXXX XXXX Actions : XXXX. Account has been charged off since XX/XX/XXXX. 
2. Last Payment Reporting = XX/XX/XXXX. 
3. Account is reporting unrecognized and conflicting payment history compared to payments shown in balance history. 
4. Payment status changes when charge off status is removed, however, balance remains the same or slightly increases. 
5. Each time account is disputed, the credit bureau allows the creditor to change the reporting history without proof or documentation verification. 
XXXX Reporting : The lender has a pattern of reporting positive history to claim charge off for tax fraud. 

1. XX/XX/XXXX reported account as up to date after charge off XX/XX/XXXX. 
2. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
3. Flagged account 30 days past due XX/XX/XXXX after XX/XX/XXXX charge off. 
4. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
5. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. 
6. Flagged account as Charge Off XX/XX/XXXX after charged off XX/XX/XXXX. 

I have reported the inaccuracies several times to the credit bureau, however no action has been taken. the credit bureau has been complicit in the continued defamation of my character and in violation of FCRA section 609. 

Disputes and dates below : XXXX Results generated XX/XX/XXXX XXXX XXXX submitted XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX I have submitted several complaints via CFPB which resulted in no action being taken. CFPB complain numbers are as follows : 1. XXXX 2. XXXX 3. XXXX 4. 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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Someone opened a bank account in my name citizens bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: CO

Complaint narrative:
I recently was offered a XXXXXXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

1. XXXX XXXX Financial- {$2300.00}, showing as a current charge off. 
2. XXXX XXXX- {$6700.00}, showing as a current charge off. 
3. American Profit/RecoveryXXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: CO

Complaint narrative:
I recently was offered a XXXX XXXXXXXX XXXX  with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

XXXX. XXXX XXXX XXXX- {$2300.00}, showing as a current charge off. 
XXXX. Veros Credit- {$6700.00}, showing as a current charge off. 
XXXX. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: MS

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Open XX/XX/15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
See attached document. I have no knowledge of this debt there are numerous phone number and different XXXX XXXX accounts where I spoke to the supervisor XXXX and she confirmed and more than likely fradulantn and the emailed that I have no knowledge of this account and she explained who it was from and agreed with me that they have this in collections and is a charge off and had inaccurate information and is a violation of 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 2024-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
This item was Disputed and removed then XXXX  sold by XXXX XXXX XXXX for fraud and violating the no surprises act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NC

Complaint narrative:
I attended a private event in XXXX and my belongings were stolen including my social security card and driver 's license. Myself along with the other guests reported the incident to local authorities on site. I recently obtained a copy of my credit report and noticed accounts with XXXX and XXXX, that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/XXXX, notifying them of the identity theft and requesting verification. 
Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2. 

I've sent two letters requesting an update and verification with no formal response. I also noticed credit inquiries on my report that I have not authorized. Furnishing information to my profile without my written consent or permission is in violation of 15 USC 1681. These inquiries I have no knowledge of include : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, After further investigation of my profile, I noticed addresses listed where I've never lived. With me having a common name this is affecting my credit and ability to obtain credit. I've also requested for these previous addresses to be removed, and only report my current address.

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 2024-01-20 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want XXXX  XXXX  items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST 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 2024-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd
State: CA

Complaint narrative:
WISE offers interest bearing accounts in partnership with XXXX XXXX XXXX. It is refusing to pay me interest on my account because it claims that it can not verify my SSN. However, I am a US Citizen with a valid SSN, and I provided my SSN to WISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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 am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Hard Inquiry Account : XXXX XXXX XXXX Inquiry Date XX/XX/2022 Hard Inquiry Account : XXXX XXXX XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 EQ XXXX XXXX XX/XX/2023 XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
I recently was offered a XXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

1. One Main Financial- {$2300.00}, showing as a current charge off. 
2. XXXX XXXX- {$6700.00}, showing as a current charge off. 
3. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I checked my credit report on XX/XX/year> and I noticed unauthorized inquiries on my behalf. I was a victim of the Equifax data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am writing to formally address the matter of continued payment requests from " Green Sky ''. Regarding the rationale behind the request for payment on a closed account, which I am positively certain has been fully settled and satisfied with the service provider on XX/XX/year>. 
I kindly request that " Green Sky '' provide comprehensive documentation detailing any outstanding obligations and a full itemization of the services that warrant the requested charges. 
My understanding is that a satisfactory resolution has been reached with the service provider, therefore, I consider myself no longer bound by any financial agreements. 
I am currently not at liberty to discuss any details of the agreement between myself and the provider. So I can only encourage you to liaise directly with the provider for clarification. 
Despite the accepted agreement between the provider and myself, I continued making payments beyond the date mentioned above only to avoid any negative impact on my consumer credit profile. 
This decision was prompted by my ongoing attempts and request for accurate documentation from " Green Sky ''. Which, as of my last correspondence on XX/XX/year>, had not been provided to continue with my right to scrutinize the validity of all chargers. 
I want to emphasize that these post-agreement payments were no longer rendered payments made via credit card. Which are now subject to being in question. 
My intent in continuing these payments was to maintain an amicable resolution while waiting for the requested documentation from " Green Sky ''. 

I believe this action demonstrates my commitment to resolve the matter responsibly. 

Therefore, I kindly request that " Green Sky '' now provide the specific documentation that justifies any post payments requested after XX/XX/year> for all payments totaling the exact amount of {$1100.00}. 

This information is crucial for the transparent understanding of the ongoing financial request. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX Ive ordered Macys gift cards XXXX XXXXXXXX {$190.00} XXXX XXXX, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys  delivery XXXX XXXX ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys  and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take XXXX business XXXX. XXXX Ive contacted again, I was told wait a XXXX  more XXXX. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him XXXX going to file complaint about Macys, he asked me wait until next weekend, and as accommodation issued {$30.00} Macys  XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After XXXX XXXX struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).

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