vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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:
XXXX is reporting that i applied for there credit card on my credit history. 
This is not true I have already told them that I was a victim of identity theft and someone has my wallet with my information. 
I have already informed XXXX but they are still reporting that I applied for there card.

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 2024-04-04 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: CA

Complaint narrative:
Today on XX/XX/2024 I checked my credit and sawfradulent accounts opened in my name. Please remove these accounts from my report. I neved applied for these accounts nor I used ny of these services listed below 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

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 2024-04-04 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: CA

Complaint narrative:
Today on XX/XX/2024 I checked my credit and sawfradulent accounts opened in my name. Please remove these accounts from my report. I neved applied for these accounts nor I used ny of these services listed below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I reviewed my Equifax credit report and noticed some inaccurate information on my credit profile. I noticed these XXXX accounts XXXX XXXX  In showing I was 60 days past due and XXXX XXXX was saying I was 120 days past due. I do not recall being late on either of these accounts and they have yet to give me any validation on them. I never received any statement saying I was late. 

Per Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: OH

Complaint narrative:
I reviewed my XXXX credit report and noticed some inaccurate information on my credit profile. I noticed these XXXX accounts XXXX XXXX, In showing I was 60 days past due and XXXX XXXX  was saying I was 120 days past due. I do not recall being late on either of these accounts and they have yet to give me any validation on them. I never received any statement saying I was late. 

Per Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, Chime sent me an email welcoming me to a new account which I had not opened. On XXXX XXXX XXXX, Chime sent another email saying a debit card was shipped. The address did not match my address. 

I called Chimes customer support on XXXX XXXX. They asked some personal information ( which I should not have provided ). I asked to close the account. They did not acknowledge they would do so. Instead they seemed to indicate that whoever opened the account had erroneously given my email and phone number. This did not sound plausible unless it was fraudulent. The customer support agent said that my email and phone will no longer get notified. Customer call ID reference XXXX ). 

Right after the call I got another email saying that the email address had been changed. The new email simply had XXXX added at the end of my email ID, before the @ sign. This is the same response Im reading other customers have also complained about on XXXX publicly. 

I emailed back again and asked to delete my account. Their reply again asked me for personal information, which I was not comfortable giving. I asked that they close the account associated with my email, where I was replying from. Again they did not confirm they would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom It May Concern : I have recently review of my consumer report and have identified numerous accounts with inaccuracies. Pursuant to Title 15 U.S.C. 1681e ( b ), credit reporting agencies are required " to follow reasonable procedures to assure maximum possible accuracy. The consumer reporting agencies have assumed a vital responsibility to report consumer information to the best of their ability with maximum accuracy. Please delete these accounts. Thanks! Please see attachment proof of inaccuracies. 
XXXX. XXXX  XXXX XXXX delete this account for inaccuracies because the date last reported, date last active and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 

XXXX. XXXX XXXX XXXX XXXX the date last reported, date last active and historical data have different dates the consumer reporting agencies have different data remove this account immediately see attachment for proof. 

XXXX. XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 

XXXX. XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 


XXXX. XXXX XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 


Your prompt attention and resolution 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 2024-04-03 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
I would like to seek your help for the unemployment insurance benefit. Since XX/XX/XXXX, the CA XXXX changed the XXXX benefit card to money network, I submitted two claims XXXX and XX/XX/XXXX and all approved ( {$1800.00} ) but I never received the benefit card. I was able to talk to customer service of money network on XX/XX/XXXX and was told my card was stolen and all the money was taken from ATM. And was told by customer service she would close my account and refund me after I fill out the dispute form. After that, I was never able to connect with money network and it is like they changed the system, which requires me to put in card number before connected ( Given I never received the card, how can I put card number? Did money network intentionally do this? ) Both phone numbers of money network provided by XXXX website are useless. Please also note that the phone number provided in the attached file is also useless because whenever I called, I was always told they are different department. 
You could also see how they solve the issue from the attachment. They sent me a mail by claiming they close the dispute case but without solving the issue and refunding me money. 


It is very frustrating for me to deal with the issue while losing job already. Please help me to get the unemployment insurance back. Money network is the worst business and should not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Ulta Comenity Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : I feel this credit card company is being extremely unethical in making it hard for consumers to make a payment on purpose. I just signed up for this credit card, this was my first experience with this company. I have excellent credit and pay my bills on time. However, after todays experience feel this company is on purpose making it difficult for consumers to pay bills. 

I went today to pay my bill of {$48.00}, eight days in advance. 

Tried to go to website as the bill instructed and couldnt register because it kept saying account not found. I called the 800 # and customer service told me it was because they didnt have an email address for me. Provided over the phone and logged into my email and registered as a new user. After going through that process still would not allow me to access my account or pay by XXXX XXXX. After calling a second time found out there is a 10-day lag between when you create an account and when you can login. He suggested XXXX XXXX which also, I tried and wasnt allowing me to make a payment. ( see below screen shots ) So, knowing that online was now not an option, inquired about a payment over the phone and they informed me it is a {$9.00} fee to pay over the phone. I advised this was a gross overcharge as I was not needing to be paid today- I have plenty of time before the due date, they advised as a courtesy they can waive the fee. 

I tell them, I dont want it waived -- - I will pay by check. They then tell me that it may not make it there in time. Their company is backlogged in posting payments. I informed them if it is posted marked by the due date it should be fine as I live in XXXX  and will be posted dated before the due date as the state is XXXX. 

I closed my account today and paid by phone. However, I feel this company is imposing fees at the mercy of the accountholders. If your website isnt able to take payments after creating an account -your website needs to say that, and you should be taking payments free of charge. If your posting payment department is behind on posting payments within a reasonable time free that is no fault of the consumer and the consumer should not be charge a {$9.00} fee and should not be spined like the credit card company is doing the consumer a favor. 

Please feel free to contact me with any further questions. 
Disguised with credit card companies antics, XXXX XXXX XXXX ( not included are the screenshots of the login saying not able to find account, I have this but no option here to attach. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CO

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an XXXX  XXXX XXXX XXXX Credit Card from Bank of America in XX/XX/2024. The Bank of America application page does not mention that the annual fee of {$95.00} will be charged right after opening the credit card. I opened the credit card, assuming the yearly fee would be charged on the 1st anniversary since the date of the annual fee charge was specified on the application page. Also, by pressing the " terms and conditions '' link on the application page, there is no way to find that the annual fee is charged the first month after opening the credit card. The " Annual fee '' tab says {$95.00}, without referencing what would occur in the first year rather than the one year since opening the credit card ( as I thought ). I do believe that is utterly misleading advertising. I opened the credit card thoroughly convinced that the annual fee would have been charged one year after opening. I contacted Bank of America, and they refused to waive the fee for the first year. 

Californias False Advertising Law Californias False Advertising Law ( FAL ) prohibits any company or individual from making false statements or statements likely to mislead consumers about the nature of a product or service. The FAL often overlaps substantially with the UCL. 

Californias Consumers Legal Remedies Act Californias Consumers Legal Remedies Act ( CLRA ) prohibits unfair marketing practices, including misleading labels, vagueness, and outright deception. The CLRA doesnt prohibit all types of false advertising but only applies to a specific list of enumerated violations ( such as false designations of geographic origin ).

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 2024-04-03 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: OH

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 2024-04-03 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: AZ

Complaint narrative:
In XXXX of this year, in accordance with the fair credit reporting act, this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XXXX of this year, in accordance with the fair credit reporting act, this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: AZ

Complaint narrative:
In XXXX of this year, in accordance with the fair credit reporting act, this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-03 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to the credit agencies regarding XXXX ACCOUNT # XXXX, listed on my consumer profile, which has never been properly verified. I HAVE ALSO CONTACTED XXXX, who also failed to provide the proper verification of debt. I have received correspondence from a agent inside of the XXXX XXXX off by the name of XXXX, who said the verification would be provided shortly, violating the FCRA by not producing this evidence within a 30 day period. I then allowed XXXX even more time to provid this wet ink signature contract, which they have only sent a summery of the account statement, TITLED, VERIFIACTION OF DEBT. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never seen or witnessed any contract between myself of this corporation. PER FCRA 609a, if this documentation can not be provided within 30 business days, this item must be permanently deleted from my consumer file. ACCOUNT SUMMARY is not valid verification of debt. I HEREBY REQUEST THAT THIS INFORMATION IS DELETED FROM MY CREDIT REPORT WITHIN XXXX business days. THEREFORE, this is a form of fraud, and XXXX has mislead the public, my defaming my name and credit worthiness. Shall these items not be deleted, a litigation process will begin. Please see the attached documentation

Company response to consumer: Closed with explanation