vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/24 I went for a routine Dental checkup. I was told I have soft teeth and the only thing to prevent them from chipping apart would be to crown most of them. This was over XXXX total. My insurance doesnt cover anything. I told them I would call back the next day and book my procedure. As I stated looking online I noticed the rates were higher than other places. So I decided not to proceed. Then on XX/XX/XXXX I received a bill from Alphaeon credit for over {$300.00} in interest and late fees on something I never even got done! No service was rendered. They did not call to follow up or anything, I had decided to just go to XXXX for my dental work after I get my passport.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recieved 2 different emails on XXXX from Bank of America that they have processed my 2 balance transfers. I immediately called them to let them know I did not request any balance transfers and that they are fraudulent. They said not to worry and they would take care of it and I was not responsible for fraudulent charges. Was glad they were on it and went on with life. About 2 weeks later I received 2 letters from Bank of America stating that my claim was denied and transfers were valid. I started to panic and called the fraud dept at B.O.A. and was wanted details on how they came to that conclusion. All they told me was one transfer was to a " XXXX '' mastercard and other one to a " XXXX '' card. I told them again I did not authorize any transfers and to follow the money to owns those cards. The agent told me their investigation had concluded and nothing more could be done. I really started to panic as both transfers added up to over {$10000.00}. Told the agent I needed all details on the 2 cards that initiated the transfers and she told me they aren't allowed to do so. Also 1 card had been locked down 2 weeks earlier and how a transfer could be made on a locked card. No response and here I am.

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 2023-11-15 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: TX

Complaint narrative:
This is the 5th time I have reached out about these inquries I also went on XXXX website and uploaded my report stating these inquiries need to be removed and 4 months it still isnt corrected

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 2023-11-15 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: TX

Complaint narrative:
This is the 5th time I have reached out about these inquries I also went on XXXX  website and uploaded my report stating these inquiries need to be removed and 4 months it still isnt corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Names and addresses on report I am not associated with and would like removed to maintain confusion

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 2023-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
I am receiving repeated calls, letters and texts from this company although I am paying directly to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
The amount owned {$1800.00} but in hardship unable to pay this full amount to get the vehicle back... ..due to Financial hardship job lose wages government ... ..and want to dispute this amount {$1800.00}...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
This is the XXXX time I have reached out about these inquries I also went on experian website and uploaded my report stating these inquiries need to be removed and XXXX months it still isnt corrected

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 2023-11-15 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: Thaxton Investment Corporation
State: OH

Complaint narrative:
There are hard inquiries reported on my credit profile that aren't associated with any open accounts, therefore, i would like those inquiries removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
There are hard inquiries reported on my credit profile that aren't associated with any open accounts, therefore, i would like those inquiries removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: MI

Complaint narrative:
On XXXX 2023 Experian allowed XXXX XXXX to fraudulently report a {$130.00} account on my credit profile that shouldnt be there. Ive asked for validation of the account and it was never provided however the account is still there affecting my credit and my ability to secure a mortgage.

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 2023-11-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Todays date is XXXX. I had filed a claim on my bank of america EDD debit card back in XXXX. I filed XXXX claims XXXX was for {$100.00} the other {$5000.00} and the last one was for $ XXXX. The bank refunded me the first XXXX decided in my favor but the XXXX claim the $ XXXX they don't want to pay bac. This case was XXXX years ago so much time has passed that they cant even investigate even if they wanted. I believe just the time it has taken for them to respond to my claim i should get refun. I asked them for what documents they used to determine the outcome they just sent me my statement thats all. Showing me a copy of my statement don't mean anything.

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 2023-11-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-15 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: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : 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 non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have been asked to go yo court for a debt that closed out in 2008. 15 year old debt should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for XXXX ( XXXX ) years. 

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after XXXX years. 

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt attention to this matter.

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 2023-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-15 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: CT

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX did a hard inquiry on my report when they told me they would only do a soft pull for my mortgage preapproval. I called and they said it should have only been a soft pull, however it has been 7 months, and it is still showing up as hard pull on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error Upon conducting a recent examination of my credit history. I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The cruditor 's inability to truthfully depict an obligation payment or credit that was givor to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Ugan conducting a recent examination of my credit report, 1 discovered a substantial amount of discrepancies Based on my understanding. the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments an this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX that was the complaint that the cfpb allowed transunion to dictate what trasnsunion was going to do. i was supposed to hear something in 60 days and well over a year later im still waiting. meanwhile transunion still reports false information if they report anythingb at all. on several occasions they reported blank, empty reports. This has gone on long enough. i want my life back.And I want transunion to pay for the damages done to me physically and emotionally. I want it done now

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 2023-11-15 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: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for eight ( 8 ) years.

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after seven years.

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt attention to this matter.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for eight ( 8 ) years.

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after seven years.

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are names and addresses on my credit report that I am not associated with

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 2023-11-15 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: MO

Complaint narrative:
On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX XXXX. XXXX XXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted TransUnion to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX  from another representative from XXXX XXXXXXXX XXXX soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX  directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.

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