vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My account is being handled by a XXXX  party to settle with my Comenity Bank- VS account. This third party tends to automatically withdraw my payments as scheduled, and apparently, the last payment posted happened in XX/XX/year>. After that, in XXXX, XXXX, and XXXX, all payments were not processed, affecting my credit. I tried to contact this third party via phone and no answer ( only ROBO messenger of waiting ). No correspondence or email at all was ever received. I have tried to contact Comenity Bank VS Representative and apparently, they do not even have the information of the third party settling my account only referring to a telephone number to contact them. 
May I request your kind assistance in helping me in investigating this XXXX  party and its relation to Comenity Bank. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all XXXX  consumer reporting agencies immediately, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I received a {$14.00} ( reference # XXXX ) paper check from the Wells Fargo Customer Remediation department. On the back of the letter, it states that I should call XXXX if I experienced any impact due to Wells Fargo 's error. I called several times between XX/XX/year> and XX/XX/year> to express the impact I experienced and was denied further mediation and escalation. This directly contradicts the promise made by Wells Fargo to address the situation fairly and ethically.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : ITEMS TO DISPUTE Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BANKRUPTCY XXXX XXXX Bankruptcy XX/XX/XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Federal XXXX XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court LATE PAYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3100.00} PERSONAL INFORMATION : Name : XXXX XXXX XXXX Name : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Employers : XXXX Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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:
PLEASE, THESE ARE NOT MINE, THESE FRAUDULENT INQUIRIES ARE UNAUTHORIZED AND I DID NOT AUTHORIZED NOR BENEFIT FROM ANY OF THESE.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-10-28 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-28 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: MD

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
My name is XXXX and this statement is being composed by me. Per the fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATIONS under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My father passed away on XX/XX/XXXX holding > {$20000.00} in his Bank of America checking account. I was later appointed personal representative for his estate by court order. On XXXX, I informed Bank of America of his passing, and was told that they would contact me with details about how to transfer the funds in his account to his estate. After several weeks, I received a Bank of America form in the mail. On XXXX, I visited a Bank of America branch in person, providing all documents including their form, my court authority, death certificates, etc. I was told that they would send me a check in the mail. On XX/XX/XXXX, I received a letter stating that a document was missing. I called Bank of America estate department on XX/XX/XXXX and was told that the Bank of America employee had faxed a document incorrectly to another Bank of America employee ( omitting the cover page and a trailing page with no writing ). On XX/XX/XXXX, I visited another Bank of America branch and again provided all necessary documents. Although I was told that a check would be sent, I heard nothing until I called the estate department on XX/XX/XXXX. I was told that a Bank of America employee had again faxed a document incorrectly to another Bank of America employee - this time my mother 's death certificate - where the claim was that the fax had omitted part of the document. I requested a way to provide the document myself. I was provided with an account to upload documents. I uploaded a copy of my mother 's death certificate via the online portal. I also provided a copy via email. I called again on XX/XX/XXXX and was told that the copy of the death certificate was " blurry ''. I examined the photo on my computer and it is in no way blurry - I can read every single word! Thus, any bluriness ( if such really exists ) must have been due to thier portal ). I was told to visit a Bank of America branch again as a resolution. Bank of America has now held on to the funds in my father 's account for over 3 months without any resolution in sight, even though I have provided all necessary documentation in the form of court orders, death certificates, and their own estate forms multiple times. ( note : I am attaching the " blurry '' death certificate for reference )

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate debt information you have reported on my credit report. This debt is erroneous, and I request its immediate removal. This letter also serves as notice of my intent to escalate this matter through arbitration should it remain unresolved. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information, and your agency is obligated to investigate and correct errors. This alleged debt does not belong to me, and my previous communications on this matter have not yielded a satisfactory response. 
Further, your agency is subject to arbitration for disputes per the arbitration clause stated on your website and the XXXX XXXXXXXX XXXX XXXX XXXX ) rules. Proceeding with arbitration may be significantly more costly than resolving this matter directly.

Arbitration Costs To illustrate the financial implications of arbitration, here is a breakdown of typical fees based on XXXX current fee schedule : Arbitration Filing Fee : {$300.00} to {$2000.00} ( depending on the amount of the claim ) Case Management Fee : Approximately {$1000.00} Legal Costs : May include costs for legal representation and other incidentals related to the Arbitrator 's Fees : {$1500.00} to {$2500.00} per day To resolve this dispute amicably and avoid these substantial arbitration fees, I am offering a one-time opportunity to settle. I request {$3000.00} in compensation for the emotional and financial distress caused by this reporting error, in addition to the immediate removal of the disputed trade line from all credit reporting agencies.

Additionally, I demand that you cease all direct communication with me regarding this matter except via postal mail. As per 15 USC 1692c ( c ), once notified in writing, a debt collector is legally prohibited from further communication by other means : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. '' Please respond within 30 days to confirm your agreement to delete the trade line and settle the matter with a {$3000.00} compensation. Failure to respond will result in my initiation of arbitration proceedings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX All Rights Reserved Without Prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, THESE ARE NOT MINE, THESE FRAUDULENT ACCOUNTS ARE UNAUTHORIZED AND I DID NOT AUTHORIZED NOR BENEFIT FROM ANY OF THESE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX Employers : 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 2024-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I took out a {$300.00} advancement and have done so in the past. CashApp offers a couple of repayment options. I have done the pay over time when they take out money leading up to the due date in the past, this time I chose to pay on the specific due date. I have done this two other times. I haven't had this issue before.

They took my money out as pending and it caused my car note to be denied and a return fee is something I'm working on with them to be removed. The money was in there when I went to sleep and I had no worries about my car payment. When I reached out via Chat because that is the only option, they can't help with this sort of thing. There are NO phone numbers to assist either. IF Cashapp is going to move like a bank then they must have resources to help people that are quicker than email and forwarding your issue to someone else. It's unacceptable to be told that the only contact you have direct access to can't help you with your MONEY. I only use this resource to move money between family and make payments from the app to avoid transfer fees of that same money. The total
amount being paid to my car loan was XXXX and the amount cashapp has on hold is XXXX. THIS HAS NEVER happened before and when asked I was given " We aren't able to discuss this ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Your agency has placed an unauthorized collection on my credit file without required notice. I dispute this debt 's accuracy and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-10-28 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was denied the right to make my payment via drive through. I have diagnosed XXXX XXXX XXXX and XXXX wich severely limits my ability to interact with people. I use the drive through as a way to elevate the XXXX XXXX. This morning at the walls fargo branch : XXXX XXXX XXXX XXXX XXXX, XXXX. 
I was told of a fraud alert wich I was NEVER notified of via phone or letter wich has my account closed and I would have to come in to the branch and physically make a payment. I tried to explain my XXXX to them and was still denied my right make a payment via drive thru. I'm an absolute wreck now. I'll have to double up on my meds and see therapist now. I am being discriminated against as a XXXX person, not only that, now I fear my account and identity has been stolen and wells fargo has not communicated with me properly. I also fear this is a retaliatory response for the many complaints I have against them with CFPB. This bank is out absolutely a predatory institution that does not have to obey the laws and takes advantage of people with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
I have unauthorized inquiries on my credit report that I do not recognize. XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
PLEASE, THESE REMARKS ARE INACCURATE PLEASE HELP ME UPDATING THESE. IM SO STRESS SEEING THESE.

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