vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: WA

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.

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 if 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 2024-08-13 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am writing to dispute an unauthorized credit inquiries that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ] The inquiry was made by [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX. According to my records, I did not initiate any transaction or authorize [ XXXX ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to dispute an unauthorized credit inquiries that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ] The inquiry was made by [ XXXX, BANK OF AMERICA, XXXX XXXX XXXX XXXX XXXX XXXX without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ XXXX ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim

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 2024-08-13 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: ND

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: LA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I bought an XXXX XXXX from XXXX. On XX/XX/XXXX, just 2 days later, PayPal charged my bank account $ XXXX, from XXXX XXXX. On XX/XX/XXXX my bank account was charged over {$66.00} by PayPal from XXXX XXXX. Then, on the XXXX of each month I had a reoccurring charges of {$11.00} to my bank account by PayPal from XXXX XXXX, total of {$140.00}. I never dealt with XXXX XXXX nor gave XXXX XXXX my PayPal account. In the beginning of XXXX, XXXX, I filed dispute with PayPal over those charges. On XX/XX/XXXX, I've received an email from PayPal, stating, that my dispute was closed, based on the tracking number from merchant confirming that merchandise was received. When I called PayPal in regards of their statement, I was told it's an automatically generated message and reason for closing my dispute wasn't given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My student loans were recently transferred to a new loan servicing platform, and the prior student loan accounts were not closed or shown as transferred after doing this. This is causing my loans to show up as double on my credit report as shown on both my Experian account and XXXX XXXX journey. Also, after a dispute with Experian about this issue I logged back in to find one of my loans showing a balance of {>= $1,000,000} which is very obviously incorrect and absurd. The correct amount of the loan is {$1000.00}. These issues need to be fixed. It is hurting my credit and debt/income amount which can cause my credit score to decrease drastically and take away my ability to receive future financing.

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 2024-08-13 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
There are fee on my account on payment that I didn't set up or make XXXX was even a checking account that wasn't mine that made a XXXX dollar payment .and fee of XXXX dollar that was made.i told them this wasn't done by me and the reply was we don't remove fees... 

I also need a opt out form which I haven't recieved yet also they say they don't have this form

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The negative rating on my account is a source of considerable XXXX. I'm extremely apprehensive about its potential effects on my credit standing. This unfavorable mark has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional toll this adverse rating has inflicted and will continue to inflict until it's addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: VI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a credit card that has been paid off and closed that equifax is still reporting as open with a balance. i have a dispute thru equifax showing said card paid off and closed but they are still reporting it as open and with a balance, i want this corrected immediatley as this is going on 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
On XX/XX/year>, I made a purchase at the merchant XXXX XXXX in XXXX, Wyoming, for a total of {$27.00}. During the transaction, I tapped my card at the first cash register, but the system froze. The cashier then processed my purchase at a second register, and that transaction went through successfully. 

However, when I reviewed my billing statement, I noticed that both transactions had gone through, resulting in a duplicate charge. I immediately returned to the merchant, provided them with all the necessary information, and they acknowledged the duplicate transaction. The merchant informed me that they were unable to issue a refund and advised me to file a dispute with my bank, SoFi.

I followed their instructions and filed a dispute with SoFi. I was provided with provisional credit for the duplicate charge. However, on XX/XX/year>, I received an email from SoFi stating that my dispute had been denied and that they would be withdrawing the provisional credit from my account. No proof or explanation for the denial was provided. I contacted SoFi for clarification, but they informed me that there was nothing further they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
A fraudulent Costco XXXX XXXX was opened in XXXX. I contacted XXXX and informed them of identify theft after they began calling my mother 's cell phone and harassing her for a past due payment. I gave them my phone number but they continue to call my mother and me. I filed a police report and gave XXXX that report # and they are still sending bills and having collectors call. I drove to the XXXX costco and affirmed it is not me as the photo is of an XXXX male and the purchase was made in XXXX  where I've not lived for XXXX years. I've written numerous notes on the continued bills - that are accruing late fees and interest - paying for postage to get XXXX to stop sending bills and calling. I've called numerous times to ask them to close the account and also confirm I am not having this reported incorrectly on my credit bureau. There is a different XXXX rep every time and they claim they'll take care of it but we continue to get calls and statements which is causing us stress and wasting our time.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried to change my actual name and address on my credit report numerous times. Every time I check my report, the same old address and wrong name is still listed. I would like my address to be updated to one address I live at now and the others removed asap. My name is XXXX XXXX and not XXXX XXXX. My first name as XXXX is on my birth certificate and that is what I should go by.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: VA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2024-08-13 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protection consumer protected rights to my privacy and confidentially under 15 USC 1681. 
Account Name XXXX XXXXXXXX Account Number XXXX Account Balance {$2000.00} Account Name XXXX XXXX XXXX  Account Number XXXX Account Balance {$19000.00} Account Name XXXX Account Number XXXX Account Balance {$140000.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Balance {$38.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. 
XXXX5 U.S.C. 1681C. ( a ) ( 5 ). 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I posted with my banks online bill pay my XXXX payment due XX/XX/year> to post on XX/XX/year>. I have the confirmation that Comenity Capital Bank recieved the payment on time from my bank. However when I called customer service when I noticed the payment had not posted. So went on Comenity 's direct site and posted another payment. The banks website showed a mess up on my online which I explained to the customer service agent. That she saw XXXX different bank account numbers and different posting dates. Yet the XXXX payment had not been posted. So she put in the lost payment inquiry. With no response the payment magically was found and processed after I had sent multiple messages that I had my bank put a stop payment since it showed received by the bank and then lost. I asked them to NOT process the payment since I had made an additional payment to cover it. I have never been late on this account. I asked for the late fee which was their error to be credited. NO I was told. Then they did process the magically lost payment that they said they didn't receive. So then they charged me a Return Fee.

I asked for that to be credited. The reply was they have closed this inquire and no further response. In addition they didn't email my XXXX statement. I feel like they want me to miss a payment so they can charge more fees and try to report a negative on my credit report. I have recieved XXXX calls from the bank to resolve my concerns. This error was completely on their end. However I the customer is paying the price of their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my 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 explanation