vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I tried to call XXXX XXXX and XXXX, to get answers on why and who authorized the inquiries and I informed them that those accounts are fraudulent. 
- XXXX : XXXX XXXX - XXXX XXXX  ( Bank ) : XXXX XXXX I have no knowledge of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed and reported to capital One bank that XXXX was missing from my account, and that I did not authorize or take this money. The teller at the XXXX XXXX branch in XXXX was able to print out and show me where 5 ATM withdrawals where taken from my account in XXXX XXXX XXXX. The transaction occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted two complaints which were denied and a email to the bank and was told to reach out to the merchant. Which merchant? I informed the bank that my debit card is misplaced however I was still able to use XXXX XXXX to shop at restaurants and retail stores who accepted XXXX XXXX. This missing money was for the purchase of my used vehicle which now I am unable to purchase due to this incident at the bank and their refusal to address it and refund my missing monies. Please assist and help a XXXX XXXX  obtain her missing funds. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I'm not really sure my phone seems like it has been since XXXX on my credit line it's as if someone stole my identity and is putting fraudulent loans and or line of credit in my name I have no debt so I'm confused how in XX/XX/ my credit score dropped XXXX points and I don't understand why it's difficult for me to get information on why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Made a payment to XXXX credit that used XXXX credit as the underwriter on XX/XX/XXXX of 2001. The payment was withdrawn from a bank XXXX XXXX XXXX payment account. XXXX had just changed underwriters of credit from Comenity Bank to XXXX at that time of my order. XXXX did not change the payment address, as defined by conditions of XXXX  XXXX XXXX when the payment was made. The payment of {$2600.00} was delivered to Comenity bank because of this error. Comenity Bank placed the payment in an old account for a different person instead of returning the check to XXXX  XXXX XXXX. I contacted XXXX by phone multiple times, and by writing 6 times or more, when considering faxing and by certified mail, to no avail. XXXX has chosen to sue me in in civil court for an unpaid bill. I contacted Comenity Bank by phone multiple times, and certified letters four times. Comenity Bank, when speaking by phone, at first, told me that the money was likely placed in a special account and I needed to tell XXXX  XXXX XXXX that I must claim fraud to get the funds back and that they have no record of any such transaction. The cashed Bank Check shows a payment to XXXX for my account in the amount of {$2600.00} on the front, and the back of the check shows Comenity Bank processing and cashing the check by placing it into an old nonfunctional account for a different account. Calling Comenity bank, with the attorney for XXXX, which are suing me for non-payment, refused to discuss anything and reported that no such transaction took place because no record exists. I have the record of transaction and the funds were removed from the XXXX  XXXX XXXX account. I want the funds returned so that XXXX XXXX can be repaid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: MN

Complaint narrative:
Back in XX/XX/2021 a furniture company XXXX XXXX XXXX lied that I took furniture from them. Which they can not prove. Ive asked the lender several times to provide the POD they have refused. The lender is called Acima

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I have recently faced the unfortunate situation of losing my job, which has caused financial strain and difficulty in meeting my bill payments. During this time, I encountered an advertisement from OneMain Financial offering a short-term loan. Without thoroughly reading the fine print, I proceeded to obtain the loan. However, I soon found myself falling behind on payments and struggling to afford both the loan and the company 's charges. 

To my dismay, OneMain Financial offered me another loan with a slightly higher amount to assist in paying off the initial loan. However, this came with additional fees and an increased interest rate. As a result, I am now burdened with the obligation of paying {$230.00}, and failure to do so would lead to my account being sent to collections. 

In my attempts to find a solution, I reached out to the company to negotiate a smaller payment. They agreed to accept {$110.00} on XXXX occasions, but after that, they expressed their inability to assist further. Compounding the issue, each day I am unable to pay the full amount, the interest continues to accrue, similar to a car loan. 

Had I been aware of these unfavorable terms, I would have never taken out the loan. It is clear to me that OneMain Financial has put me in a difficult situation without showing any concern for my well-being. I am in desperate need of assistance. Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I tried to call XXXX XXXX  and XXXX, to get answers on why and who authorized the inquiries and I informed them that those accounts are fraudulent. 
- XXXX : XXXX XXXX - XXXX XXXX  ( Bank ) : XXXX XXXX I have no knowledge of these inquiries.

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 2023-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NV

Complaint narrative:
I opened a Discover credit card in XXXX of XXXX. I understood that it was a no interest charge card. An interest charge has never appeared on my mobile banking app. For months I have been trying to pay down my credit card with no success. On XX/XX/XXXX I opened a chat with Discover. I was informed that I was being charged interest ( nearly {$3000.00} in the last 24 months alone ). I went back through my statements on my phone and saw XXXX interest charges. When I asked about this the representative told me that interest fees do not appear on their mobile app statements, only on a computer. I do not have access to a computer. When I told them that, they attempted to transfer me twice, only to not respond after 20 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX 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.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Dear CFPB I am writing to dispute a number of inquiries that were made on my credit report without my authorization. I have recently received my credit report from XXXX, XXXX, Equifax and I noticed that there were several inquiries made by companies that I did not approve or authorize. 


I have not applied for credit, nor have I given permission to any party to access my credit information for any reason. As a responsible consumer, I regularly check my credit report for signs of identity theft or any other issues that could negatively impact my credit score. 

I understand that there are certain circumstances where inquiries may be made without express authorization, such as when applying for a mortgage or other types of loans. However, none of these circumstances apply to the inquiries in question. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Illinois 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 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 XXXX XXXX XXXX XXXXXXXX I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. I would appreciate it if you could inform me of the outcome of your investigation regarding this matter.

Thank you in advance for your assistance in this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( Balance {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 and I am filing this complaint for falsely 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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 and I am filing this complaint for falsely 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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( Balance {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( XXXX {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.

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