vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I received a promotional flyer while on XXXX XXXX that said balance transfers would be interest free for 15 months after payment of a 5 % transfer fee. I did the math and decided to do it. The flyer did not say that I would need to make a minimum monthly payment of more than 1 % of the balance. That changed the math, but I had already paid the 5 % fee. I paid off all the other charges and fees and stopped using the card. The current balance is {$140.00} less than the original " interest free '' balance transfer, but I keep getting charged interest. The only explanation is that they misapplied a payment to the balance transfer rather than the other charges, so they show an unpaid balance in the " other charges '' category and show the balance transfer as overpaid. I have been in chat sessions with them over the last XXXX billing cycles, to no avail. I don't think anybody even reads my message, they just send a form response. 

I believe the promotional flyer was misleading and that Barclays is not equipped to fulfill the promises they made.

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 monetary relief
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I fervently urge you to swiftly eliminate the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
XXXX XXXX XXXX is a Fraudulent Account. I originally sent Equifax a copy of my FTC IDENTITY THEFT AFFIDAVIDT which was received by Equifax on XX/XX/2023. The address used to apply for the XXXX XXXX XXXX XXXX XXXX '' account is a fraudulent address and was already blocked by Equifax, so it should have never been reporting in the first place. However, the FTC alone should have been enough to remove the XXXX XXXX XXXX account XXXX I also sent a copy of the deletion letter from XXXX XXXX XXXX XXXX XXXX '' removing the account from my credit reports. Equifax still hasn't removed it. Additionally, I have provided an FTC IDENTITY THIEFT AFFIDAVIT indicating that XXXX is a FRAUDULENT INQUIRY for the past 5 months and Equifax STILL hasn't removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: CA

Complaint narrative:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report please BLOCK and DELETE these fraudulent accounts fro 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 non-monetary relief
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.

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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened up a victoria secret credit card in my name maxed out the card made payments for XXXX months then stopped and now my credit is suffering. I already contacted Victoria Secret credit department and reported fraud on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone I lived with in XXXX  tried to deposit a check into my Bank of America checking account without my consent and the fraudulent check was rejected because it wasnt me. Bank of America closed the checking account and ever since I havent been able to open any checking accounts with any major banks.

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Unemployment direct deposit is scheduled for today and BOA has NOT deposited funds.

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 2023-12-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
I enrolled in FDR XX/XX/XXXXXXXX  and have sent them a total of {$7300.00}. I enrolled two cards, with the balance of both card totaling {$29000.00}. I was originally told we would be done paying in XXXX and now it states XXXX. I first got a settlement offer on my XXXX XXXX XXXX which I authorized had been making monthly payments on it for what I thought was the last year. However I noticed today when I accepted the settlement for my discover card it was no longer under as being paid on and it was still pending. So of course I call them. They told me I had missed one biweekly payment a few months back and they cancelled the settlement ( which they never made me aware the settlement was cancelled and I was paying toward nothing ). Okay so I asked where did the {$7300.00} I sent you the past year go. They then told me $ XXXX went to their fees and $ XXXX went to the credit card. I asked if the settlement was cancelled where is the XXXX XXXX and they told me the creditor has the right to keep it and cancel future monthly payments and that they need to renegotiate. I then asked to cancel and they told me I need to call back later and they cant do it now. So because I missed one biweekly payment the entire settlement was cancelled? But they had enough to collect XXXX XXXX of fees? I would like the XXXX XXXX of fees back since the settlement did not go through nor was I made aware it was cancelled. All communication from this company was unclear and shady. I contacted XXXX XXXX to verify they received XXXX XXXX from me and they stated they did not recieve XXXX XXXX as FDR said they did they only received {$2100.00}, meaning out of the {$7300.00} they pocketed {$5100.00} for a service they didnt even provide and were completely deceptive about! I will be seeking a {$5100.00} refund of the fees as they were charged to me for a settlement that was cancelled without my knowledge. 

Also when I called I had {$550.00} in my account balance and they refused to refund it because they were going to keep it for fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: IN

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them.

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: FL

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 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 2023-12-11 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: FL

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
While shopping for new car insurance, the new company ( XXXX ) checked by personal data. 
The problem was with Nexis Lexis having incorrect info within their data base. This info came from information incorrectly inputted into their data base. I contacted XXXX XXXX and the info in their system is correct with the prior insurance claim. Some how the data obtained was incorrectly worded and placed into XXXX XXXX data base. I was told by XXXX that they had received info that my prior insurance claim involved an accident with the car being driven by a non-listed driver/policy holder. THIS IS NOT TRUE, It was being driven by one of the listed insured policy holders.

When I called Nexis Lexis they proceeded to be more interested in obtaining personal bio data " to verify my ID '' then to have the issue corrected. I told them the issue with their data and they needed to have the info double checked and corrected by contacting the insurance company. They stated that since they " could not verify me with my name, address, phone number and MI Driver 's Licence number '' they could not do anything to correct the info. They still wanted to obtain my DOB and SSN ; which I told them that they they were not allowed by federal law to even ask for my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have names, addresses and a bankruptcy reporting to my Transunion credit report that are 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 2023-12-11 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: NC

Complaint narrative:
Please send my letters to XXXX. Experian and XXXX. Thank you.

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 2023-12-11 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: TX

Complaint narrative:
I urgently ask you to eliminate the fraudulent accounts from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct EXPERIAN, XXXX, and XXXX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction.

Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


EXPERIAN, XXXX, and XXXX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax abused consumer reports under FCRA for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: FL

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX I attempted an online loan modification on my car loan with Truist Bank in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that Truist update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.

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