vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You will see that I previously filed a complaint against XXXX XXXX for a denial of a credit card. They said I was pre-approved and gave me a response code number. I applied and was denied. This was the second time in a row and their reasoning was due to the Experian report. I talked to their XXXX response team and they said there was nothing they could do, everything was based on the Experian 's explanation. 

I vehemently protest this based on the illogical process in the reasons they gave XXXX XXXX. I've attached the XXXX rejection letters with the list of issues against me as follows : XX/XX/year> XXXX. Number of revolving bankcard trades opened in the last 24 months. 
2. Average Revolving/Open Balance 3. # Revolving Trade Lines With Balance 4. One or more bankcard ( s ) or line ( s ) of credit with a balance greater than {$1000.00} on credit report.

Take Note : None of these reasons are valid. How many bankcard trades have been opened in the last 24 months? I've been denied. I have no open Balance with any credit card. I have NO trade lines with Balance. NONE! 

XX/XX/year> XXXX. Number of revolving bankcard trades opened in the last 24 months. 
2. Average Revolving/Open Balance 3. # Revolving Trade Lines With Balance 4. Income provided can't be verified. 

Same reasons again that are unfounded. And, income can not be verified? They never asked me to prove anything about my income. How fair is that? 

I am requesting Experian to fully explain, with proof, the details of the above items as listed. I have tried contacting them multiple times without any means of contact. 

See the attached documents that show Experian 's Credit Report showing the opposite of what they list 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 2024-04-02 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: MS

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-04-02 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: MS

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-04-02 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: NJ

Complaint narrative:
Dear XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/XXXX and XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
Dear XXXX XXXX  This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/XXXX and XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from 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 2024-04-02 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: MS

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XX/XX/XXXX I deposited {$4000.00} into Robinhood, the funds became available in 5 days and cleared through my bank. Up to this point I had completed all required security checks including pictures of my ID. They then restricted my account and required me to submit a picture of my SSN. Once provided they said theyd get back to me by XX/XX/XXXX as a deadline. The time came and went and they continue to push their deadline back, they then say I must schedule a call in their app but I have no option to do so, finally they call just to be put on hold for 10 minutes and for them to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, I bought a XXXXXXXX XXXX from XXXX XXXX XXXX It is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I opened up a Best Buy credit card/ because wife deferred interests rate only if paid off in 6 months. The amount was {$1800.00}. I never sign anything at the store agreeing to paying interests rates. The store did not have in computer stock and it could be pick up on XXXX XXXX. It still was not in stock on XX/XX/XXXX, it was a confusing situation. The order for that computer was cancelled and another order was placed, same price of XXXX and without signing for an agreement rate acknowledgement. I paid my first payment of XX/XX/XXXX of {$500.00}. On XX/XX/XXXX, I paid {$400.00}. On XX/XX/XXXX I did have a charge of {$240.00} for home service. I made an online payment on XX/XX/XXXX for {$300.00}. After that I received a strange email from accounting services that I had exceed my credit limit. I called the accounting department and didn't get an understanding of why this email was send to me but was given an explanation of interests rates that was applied to my XXXX payment. Out of the XXXX payment which was not late, {$45.00} was to be applied as minimum payment up from {$30.00} and XXXX was taken out my payment for interest. Sorry that I didn't '' t get his name I tried to explain the terms that I agreed to and I never sign up for these interest rates. Twice I was told that a letter would be send to with corrections and haven't received yet.The card is issued by Citibank.

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 2024-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I didnt even apply for this line of credit I wasnt even aware untill this number out of XXXX to started calling me all hours of day an night sometimes they literally call me XXXX times in one day I blocked several numbers of their and they still manage to call I turned this into XXXX  and another lawyer told me to continue to block them bc this has been going on for months and they spam email me and its never ending they did get me to answer and they were so eager to say XXXX u know why were calling dont u so pay ur debt and I hung up that is creepy and harassment and should be illegal to do to someone I have even consider changing phone numbers idk what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: LA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received several emails from Kohls for a statement of {$3.00}. I always pass my emails on to my husband and he immediately pays the bills. I did not realize he did not pay the bill. I never received a late fee or a notification that my bill was overdue. I have been having some issues with my husband and noticing a start of memory issues. I have been a member of their credit card for 25 years and always pay my bills on time. This is embarrassing and devastating for me. My credit score dipped XXXX points for a bill I didnt know was overdue. Were currently in the process of purchasing a home and this tremendous drop XXXX have a serious effect on this purchase. I called them and they will forward to the appropriate division and said this will take 30 days. 

I really dont have that kind of time. Can you please help me with this issue? 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: SC

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting that is not mine. I filed FTC report and nobody has yet to help get this resolved.

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 2024-04-02 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: TN

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-04-02 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: TN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
due to the nature of the report ..it is being reported to the three credit bureaus with different information .different dates of openings, incomplete account #, high balance across the three credit bureaus are different, date last verified are inaccurate, date of last activity are different across all three credit bureaus, opening dates are different across all the three credit bureaus, closing dates are in correct, and last payment is questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-02 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: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from 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 2024-04-02 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: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: OneMain Finance Corporation
State: LA

Complaint narrative:
XXXX XXXX has a balance of XXXX dollars which is incorrect. One main financial XXXX dollars which is incorrect. Louisiana XXXX XXXX XXXX XXXX which has a balance of XXXX. But payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XX/XX/year>, I filed a complaint with the CFPB concerning an account furnished by COMENITY BANK. This company was notified per CFPB Complaint ID XXXX that the accounts associated with them is being reported incompletely. The accounts are missing payment history information and in the place of those missing payment records, there are notations of ( ND ) " No Data ''. Per the Fair Credit Reporting Act accounts that are incomplete or can not be verified must be modified or removed from my consumer reports per 15 USC 1681i ( 5 ) ( a ) ( i ). I have already provided per the initial complaint my consumer disclosure report that is showing blatant missing payment history info. This company had been put on notice and they are now in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). I don't care who owns this account, it is still being reported directly from COMENITY BANK because they are still required to report the account as charged off. If they are still required to report the account as charged off, they are still fully responsible for the accuracy in the way it is being reported. FCRA still applies to you while it is still on my report. This account is hereby disputed for verifying an incomplete account. delete the accounts that you are reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-02 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: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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