vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi offers " XXXX XXXXs '' to allow consumers to take out a short term loan to fund specific purchases. 

Previously, the interest rates were shown in the disclosures. Now they are bundled into a " Plan Fee ''. 

Regulations as I understand them require the payments to be allocated to high interest loans first. 

On changing the terminology to " fee '' the companies are now allocating the payments to plans with an interest first and a " fee '' second resulting in higher interest payments. 

I paid down {$8000.00} in XXXX to pay off all my high interest plans. Citi paid off a low interest rate plan first and have refused to allocate the payments to the " fee '' plan. 

I called them today XX/XX/XXXX to confirm.

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 2024-05-09 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: NC

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: NC

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their failure to address and investigate inaccuracies in my credit report, as well as their failure to provide a response to my dispute letter. On XXXX XXXX XXXX I mailed a dispute letter to TransUnion via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into several inaccurate items on my credit report. 

The items I disputed include accounts with XXXXXXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Numbers : XXXX, XXXX ), and an incomplete public record : Court Name : U.S. Bankruptcy Court Reference Number : XXXX Additionally, I disputed incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing my dispute letter to TransUnion via certified mail and providing all necessary documentation to verify my identity and address, I did not receive a response back from TransUnion with the results of their investigation. It is evident that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies. TransUnion 's failure to provide a response to my dispute and rectify the inaccuracies on my credit report demonstrates a clear violation of these rights. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into TransUnion 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold TransUnion accountable for their failure to investigate and correct the inaccuracies on my credit report, as well as their failure to provide a response to my dispute.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I received an unsolicited correspondence to my private from Portfolio Recovery Associates , LLC - who also addressed the entity as PRA, XXXX falsely stating that I owe an alleged debt to Portfolio Recovery Associates , LLC. I have no idea who this entity is that refers to the nature of their business as debt collectors. There has been no provision of an original contract or binding agreement complete with signatures between myself and the alleged debt collector. There is no validation of debt, and no consideration of written, verbal, or implied agreement between myself and this entity. That is grossly egregious, misleading, misguided, and inaccurate. It is unacceptable and concerning with regards to the abuse of misinformation and fraud on the basis of theft of identity as they have my personal information without my direct authorization, permission, or consent. This company has abused their practices and responsibility as an alleged debt collector. It is gross misconduct and abuse of the practices as a debt collector and is not tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 



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 2024-05-09 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: CT

Complaint narrative:
I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I request that Experian investigate these accounts and block or remove them from my credit report as they do not accurately reflect my credit history. I have attached supporting documents for your review. 
I appreciate your prompt attention to this matter and request that you provide me with an investigation results and an updated copy of my credit report once the accounts have been resolved. 
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  My information was sold and bought illegally because I was a victim of the + XXXX-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach

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 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
I feel that I was a victim of fraud by Green Sky when I financed my Water Heater through XXXX XXXXXXXX XXXX XXXX. I was told it was a 0 % 2 year promotional period to end in XX/XX/year>. I realized I have been charged interest right from the very beginning. 

E-Mails to Green Sky have been useless. They basically say that is their policy that they charge interested during the 0 % promotional period. This to me is fraud and I feel it is a " bait and switch '' deal as well. 

After conducting research on this company I found there have been multiple lawsuits for this same issue against the company. I think this company should be fined and be made to follow what they advertise. Again, Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-05-09 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: TX

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized inquiries appear on 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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2024-05-09 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Attempted to make payment on my XXXX XXXX card. Could not log in to website to make payment on time ( XXXX XXXXXXXX ). Called phone number, could not get through to agent, was told by recording there is a fre to pay over phone. Was able to make payment several hours later when website was working again. Charged {$30.00} late fee for paying on due date but after their arbitrary cut off time designed to maximize late fees. I called customer service back and the woman acknowledged that there was an outage and agreed too refund the late fee. I checked my account days later and only {$15.00} was refunded. I called back and was refused a full refund, rep stated I should have paid by phone. Rude and condescending as was the supervisor. Seems like extremely predatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 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: PA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
In XXXX, XXXX, I authorized my wife to use my debit card to pay for a fitness membership. She was waiting for her new debit card to arrive. She gave her account and routing number to the merchant to use for monthly, recurring payments. This merchant used my card information to make a withdrawal from my checking account on XX/XX/XXXX for {$27.00} and XXXX withdrawals in XXXX. The first was XX/XX/XXXX for {$52.00}. The second was XX/XX/XXXX for {$27.00}. I called SoFi and explained the situation. They filed a dispute for all three transactions and said they blocked the merchant from future withdrawals from my account. That was in XXXX. On XX/XX/XXXX this same merchant was authorized to withdraw {$190.00} from my checking account. I filed another dispute and was advised to cancel the debit card being used by the merchant to make these withdrawals from my checking account. I cancelled the card and had a new one mailed to me. Being a XXXX XXXX, I could not get to my mailbox for at least a month and had no access to my cash during this time. During this time, SoFi deposited back into my account {$190.00} as a provisional credit on XX/XX/XXXX. On XX/XX/XXXX this same merchant was authorized to withdraw {$190.00} using my new debit card. I called SoFi and spoke to a manager, XXXX. I explained that I am not the account holder for the account that the merchant is withdrawing payments for and asked how this merchant was able to obtain my new debit card number. XXXX told me that XXXX was the one who gave my new info to the merchant because its a recurring payment. I asked XXXX if hed like to be on the phone with me while I call XXXX. He declined. I called XXXX where they denied having done such a thing and advised me it was at the financial institution level. SoFi gave my new debit card information to the merchant they were supposed to be helping me stop making withdrawals from my account. I called the merchant where they verified having my new card number. They said the only way they could receive this information was if I gave it to them. I did not. They verified that the name on the account was not mine and seemed confused as to what was going on. I called back to SoFi where the woman placed yet another block on my account to stop this merchant from gaining access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2024-05-09 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: NC

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their failure to address and investigate inaccuracies in my credit report, as well as their failure to provide a response to my dispute letter. On XX/XX/2024, I mailed a dispute letter to Experian via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into several inaccurate items on my credit report. 

The items I disputed include accounts with XXXXXXXX XXXX  ( Account Number : XXXX ), XXXX XXXXXXXX ( Account Numbers : XXXX, XXXX ), and XXXX XXXX ( Account Number : XXXX ). Additionally, I disputed inaccurate and incomplete information related to a public record, specifically : Court Name : XXXX XXXX XXXX XXXX  XXXX Reference Number : XXXX Furthermore, I disputed incorrect personal information listed on my credit report. To assist Experian in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing my dispute letter to Experian via certified mail and providing all necessary documentation to verify my identity and address, I did not receive a response back from Experian with the results of their investigation. It is evident that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies. Experian 's failure to provide a response to my dispute and rectify the inaccuracies on my credit report demonstrates a clear violation of these rights. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into Experian 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold Experian accountable for their failure to investigate and correct the inaccuracies on my credit report, as well as their failure to provide a response to my dispute.

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