vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am reaching out regarding a serious issue with my Dell payment plan provided through Comenity bank. I initially signed up for a 12-month promotional financing plan ( ) % interest or fees ) on my purchase. However, after one month, the promotional plan was unexpectedly transferred to a non-promotional plan, and I am now being charged a finance charge of {$30.00} each month. THIS IS COMPLETE FRAUD, either on behalf of Dell or Comenity Bank.

This situation is extremely concerning, and I believe it to be an error or a misunderstanding that needs immediate resolution. I have contacted Comenity Bank for clarification, but unfortunately, I have not received any resolution. Instead, I feel like the situation is being unfairly mishandled. Please help - I have also sent an email to Dell but I have not received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
After being recently released from the XXXX XXXX XXXX XXXX, having been held in their custody from XX/XX/XXXX to XX/XX/XXXX, and reviewing copies of my credit reports I noticed an unauthorized inquiry made by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CITIBANK, N.A.
State: NC

Complaint narrative:
After being recently released from the XXXX XXXX XXXX XXXX, having been held in their custody from XX/XX/XXXX to XX/XX/XXXX, and reviewing copies of my credit reports I noticed an unauthorized inquiry made by this company.

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 2024-12-03 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: GA

Complaint narrative:
To Whom It May Concern, I bank with Wells Fargo. I have been debited {$600.00} on XX/XX/XXXX from a company called XXXX XXXX. It was an ACH payment. I was out of country traveling, so I tried to contact Wells Fargo XXXX XXXX XXXX, but was not able to connect with someone. 

So on XX/XX/XXXX, the day I came back to the States, I called WF to report the fraud claim. Wells Fargo gave me a claim ref number XXXX. I then waited and waited for an update. Never received one. 

So today, XX/XX/XXXX, I called Wells Fargo XXXX XXXX to check on the status of the claim. I was told that I had done business with this company in XXXX, XXXX, and they denied the claim. They gave me a XXXX XXXX 's number of XXXX to resolve the matter on my own. I asked Wells Fargo on what date of XXXX that I had done business with this company, because I don't use ANY accounting service other than XXXX XXXX, and I certainly can't find any transaction history with this company. WF rep said they don't have the date information, but consider my fraud report deniable .... 

Then I called the number Wells Fargo had provided, it's a number that can't be reached. If it can't be reached by me, how can it reached by them to confirm the transaction?????? 

Wells Fargo is very unresponsive to its customer 's claim, and very helpful to the scammers...

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I already check my XXXX account and saw a debt that's no mine because I don't have any relation with AR RESOURCES Inc by {$1100.00} amount ; recently I suffered a identity Theft and I sent all information to FTC on date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a credit card account at Bust Buy ( Citi Bank ) in XXXX for a purchase that was later returned, resulting in a XXXX balance. In XXXX, I made another purchase in-store, although I never received a physical card or statement. I made XXXX payment in XXXX, XXXX in XXXX, and XXXX in XXXX. During this period, I still hadnt received a card or statement. While applying for a mortgage, I discovered my credit score had dropped significantly due to a 60-day XXXX XXXX reported by Citi Bank XXXX When I contacted them, they stated no payments had been received, so I followed their advice and stopped payments made through XXXX. Later, I received correspondence confirming those payments had in fact been received but were now disputed, and I would need to make additional payments. In XXXX, I spoke with a representative who acknowledged the mistake, credited back late fees, and assured me the issue would be sent for dispute resolution, which should be documented in their records. However, on XX/XX/XXXX, I received a letter stating they disagreed and would mark my credit file accordingly. This process caused my credit score to drop by XXXX points. Additionally, the account was inaccurately reported as closed by the consumer on XXXX separate occasions, further impacting my credit. As a result, I lost the opportunity to secure a mortgage at a reasonable interest rate and couldnt purchase a home for my mother to move closer to me. I have all the necessary documentation, which Best Buy and Citi Bank should also have, as they sent letters confirming these transactions.

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 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I never received a 30 day notice from Blitt and Gaines regarding this debt. No phone calls, mail correspondence or e-mail correspondence. I was not able to respond to the 30 day letter as I did not receive it. I had no idea this debt existed until I received an advertisement from XXXX XXXX XXXX. I contacted your office and they provided a response stating that I needed to respond by XXXX ( couldn't respond due to the fact I received nothing from Blitt and Gaines ) and within " seven days they filed a lawsuit and provided a one page statement with my name and the balance due. During this prior filing I requested each and every XXXX XXXX XXXX statement since I am a victim of identity theft. They provided a one page statement with a balance due. 

I still need to obtain the XXXX XXXX statements from account XXXX from the first one issued to the most current. Plus I need to know how much of that debt is actual charges, late fees and interest for the police report with the XXXX XXXX XXXX XXXX XXXX. I also need the contract between myself and XXXX XXXX from when this account was opened. 

At this point I am being forced to pay over {$7200.00} and all I have is a one page statement with a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
I have filed a XXXX XXXX and await them to mail it to me. 

My name is XXXX XXXX, and I am writing to seek your assistance regarding an issue I am experiencing with Cash App. Recently, I filed a claim for a fraudulent charge of {$350.00} that appeared on my account. Cash App initially stated that they would refund this amount ; however, they have since denied my claim. 
Despite providing all the necessary documentation and evidence to support my case, I am still awaiting the promised refund. The charge in question was due to fraudulent activity, and I believe it is unfair and unjust for me to bear the financial burden of this transaction. 
I am contacting you to help you mediate this situation and ensure that Cash App fulfills its initial promise to refund the fraudulent charge. 
Thank you for your attention to this matter. I'm looking forward to your quick reply and help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} Unauthorized Inquiries : 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 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked XXXX and Experian to investigate this account XXXX XXXX  XXXX on XX/XX/XXXX and then I asked for an reinvestigation on XX/XX/XXXX. This account XXXX XXXX XXXX was charged off on XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is XX/XX/XXXX. Experian the last date of activity is XX/XX/XXXX. On XXXX the account is not reporting at all. If the information is coming from the original creditor the date should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: ME

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-03 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: ME

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

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 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/XXXX, American Honda Finance Corporation had failed to comply with the SCRA by having a non-affiliated third party, which is nowhere listed in Retail Installment Sale Contract, stole my car in front of my house. The next day I had called them to explain to them their mistake, but I had to lease a car for a whole month since I did not know how long it would take before the matter would get fixed and had to go back to the military base where I reside. That same week I had military training which require my military gears, but I was out of regulations, due to the repo company deniying my wife from retrieving my military belongings from the car. 17 days later, they returned the car to me with scratches, so I contacted them requesting remedies according to the SCRA, which made them move forward with retaining a law firm named XXXX, XXXX XXXX XXXX. 
XX/XX/year>, their lawyer emailed and called me the next day, introducing himself and requesting information, which I provided on XX/XX/year>. He later emailed me on XX/XX/year>, requesting for someone that can prove that I was on Military Active-Duty Orders when the car was repossessed, two hours later, I provided three Point of Contacts, which he negligently took 20 days before doing so, and only did because I mailed him a Notice of Dishonest that he received on XX/XX/year>. I also sent a Notice to Cure, dated XX/XX/year>, but sin then, he has been ignoring both my call and emails. 
On XX/XX/year>, I also emailed him some law violated by his client, stated my claim, and requested the remedy owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA requires that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. 

Failure to Address My Appeal : I contacted XXXX XXXX  to understand why my appeal to correct the fraudulent account was denied. I was informed that the appeal was denied due to a lack of information. However, I provided all requested documentation via fax, including supporting evidence proving the account does not belong to me. 

Inaccurate Reporting : The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates the FCRA, which mandates that all information reported by consumer reporting agencies be accurate, complete, and verifiable. 

Lack of Action by XXXX XXXX  : Despite my providing documentation and multiple follow-ups, XXXX XXXX  has failed to take appropriate action to investigate and correct the inaccuracies. This lack of response and accountability has caused harm to my credit profile and financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
My account was leak during XXXX breach there are inquiries that I did not authrozed Here is the list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
My account was leak during XXXX breach there are inquiries that I did not authrozed Here is the list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I just recently looked at my credit report XX/XX/year> I saw some XXXX inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below ( 1 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 2 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 3 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 4 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B

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