vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX XXXX is reporting inaccurately on the credit profiles associated with my social security number and my consumer rights are being violated per the following information : There are a few inconsistencies in the account details between XXXX, Experian, and XXXX on my credit report. 

Firstly, the Account Status is reported as derogatory in XXXX, while it is reported as open in Experian. This inconsistency is a violation of section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report the " current '' status of the account. 

Secondly, the Account Type - Detail is reported as " Credit line secured '' in XXXX and " Secured credit card '' in Experian. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Lastly, there is a discrepancy in the High Credit amount reported by XXXX and Experian. XXXX reports a High Credit of {$340.00}, while Experian reports a High Credit of {$0.00}. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Additionally, the Debt states that it is included in or discharged through Bankruptcy XXXX XXXX reported in the comments section and is inaccurate and requires investigation.

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 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX XXXX. 

I telephoned XXXX, with the agent from XXXX XXXX XXXX ( hereafter referred to as XXXX ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at XXXX telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by Bread Financial, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. 

It is seems rather obvious that Bread Financial must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. 

Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. 

Your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
There is a man named XXXX XXXX, his emails are XXXX and XXXX, he has attempted to open bank accounts and credit cards with many banks under MY address, i do not know who he is, i have never met him, he does not live at my address, i live here alone. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. My name is XXXX XXXX. So far XXXX, XXXX XXXX, XXXX XXXX XXXX  have denied him since they couldnt verify his identity or residency with public records. But discover has approved him, his bank account # with discover is XXXX. I called discover to tell them that this is address fraud and they told me there is nothing they can do since the account is not my account. They also refused to tell me how the company verifies residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TX

Complaint narrative:
I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.

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 2023-04-09 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: TX

Complaint narrative:
I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TX

Complaint narrative:
I am writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.

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 2023-04-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX. 
account # XXXX. 
account # XXXX. 
account # XXXX. 
account # 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 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX XXXX is reporting inaccurately on the credit profiles associated with my social security number and my consumer rights are being violated per the following information : There are a few inconsistencies in the account details between XXXX, XXXX, and Equifax on my credit report. 

Firstly, the Account Status is reported as derogatory in XXXX, while it is reported as open in XXXX. This inconsistency is a violation of section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report the " current '' status of the account.

Secondly, the Account Type - Detail is reported as " Credit line secured '' in XXXX and " Secured credit card '' in XXXX. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Lastly, there is a discrepancy in the High Credit amount reported by XXXX and XXXX. XXXX reports a High Credit of {$340.00}, while XXXX reports a High Credit of {$0.00}. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report.

Additionally, the Debt states that it is included in or discharged through Bankruptcy XXXX XXXX reported in the comments section and is inaccurate and requires investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Global Lending Service had XXXX XXXX XXXX to repossessed my vehicle on XX/XX/2023. We had agreed I would be able to catch up on my past due payments by sending {$260.00} weekly starting in XX/XX/2023 so by XXXX I would be caught up. The first 2 weeks no problem but then my debit card got locked and I couldn't send the payment I had to send it through XXXX XXXX ( {$28.00} fee ) and XXXX XXXX ( {$39.00} fee ). The only problem with that was the fee I had to pay. So I mailed in the payment and those payments went to fees and late charges. I asked to get my card unlocked but they said it wasn't them, the company I called to unlock my debit card said Global Lending had it lock and they could do nothing about it. Today 's date XX/XX/2023 I have not received any notice from XXXX XXXX XXXX about my vehicle. They also breached the peace by arguing for 20 minutes and then have the police threaten with being arrested and going to jail if I didn't get off my car ( I was sitting in it when he hooked up my car ) I told them they were not taking my car or I wasn't getting out. My wife kept telling them this is a civil matter, Im not getting off, and their not taking my car .it was an illegal repossession. They breached the peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TX

Complaint narrative:
I am writing to request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation

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 2023-04-09 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: Credit Karma, LLC
State: NM

Complaint narrative:
Credit karma is providing false advertisement. I was told I was preapproved for a loan and a couple of credit cards, but I went through the process and never got approved and I still got credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score.

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.

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 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had an account with Chime for about 6 weeks with 4 transactions ( 2 charges for ~ {$100.00} each and 2 deposits of $ XXXX and $ XXXX ). After not being able to log into my account I had a telephone conversation with a customer service person who seemed confused, and then received an email request for front/back image of my drivers license and a 2nd one requesting an secondary ID, such as a passport. ( I complied. ) They also asked the purpose of the funds in the account that I said was for nonspecific future charges. 

On XX/XX/ after providing a picture of my passport, I received an email stating " After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund '' without further explanation. Especially disconcerting, since the account contains approximately $ XXXX, is their statement is not eligible for a refund. Ive sent several emails requesting an explanation and tried calling without success. 

Dealing with Chime has been a very bad experience. The initial debit card they claimed to send and after activating the replacement, customer service has been very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TX

Complaint narrative:
I'm writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation

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 2023-04-09 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: TX

Complaint narrative:
I'm writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was charged more than what I owe. The amount they charged me is XXXX dollars this month on my Paypal Mastercard credit card. My last month due was XXXX on XXXX XXXX. 
My payment of XXXX dollars was returned. They charged me return fees of XXXX but refunded it. 
However they billed me XXXX dollars this month. I have not used this card after XXXX XXXX so this billed amount is wrong. I tried to talk to PayPal but they are not helping me. 

Also they made some fake charges on my account for example XXXX dollars charge. They made this charge serval time

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 2023-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score. 

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score. 

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.

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 2023-04-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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