vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also XXXX XXXX  as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes

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 2023-02-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also XXXX XXXX as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes

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 2023-02-08 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: Self Financial Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also Self lender as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

Line XXXX XXXXXXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FAIR COLLECTIONS & OUT ACCT # XXXX Amount {$5900.00} Requested verification, disputed online with credit bureau to the collection agency stating that I dispute the validity of the debt and that I want documentation verifying the debt. If the debt can not be validated by the collection agency, must remove from credit report within 30 days.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Synchrony Bank closed my Care Credit credit card and notified me after it was closed. 

The reason they provided is because my credit score has changed and I was deemed as high risk. 

My Care Credit card has had a {$0.00} balance since XX/XX/XXXX when I paid off the card in full. 

My credit score was lower when I initially got the Care Credit card. Since getting my card my score has gone up and my debt has been paid down. 

They just approved me for a different credit card last month and provided me with a higher credit limit than the card that they closed. 

I hold another card with them that they did not close that currently has a balance. 

There have been multiple reports from customers of Synchrony reporting that they have had their cards closed without warning that currently have {$0.00} balance and haven't been used for quite sometime, with the reason given that it was due to their credit report. 

Closing someone's account without warning can damage a person 's credit score. The reason being provided does not hold appear to be accurate given the additional actions taken from the bank to decide on my credit worthiness. 

I called customer service to get further explanation but was told the only information they have is the same that's provided in the letter that was sent to me.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have Wells Fargo Small Business Line of Credit that I closed but still have a balance on. Payments are fixed monthly payments which are made every month and the interest rate was steady 7 % for the longest time. Then after reviewing my statements I noticed that they have continued to increase the rate almost on a monthly basis. 

XXXX through XXXX XXXX XXXX  the interest rate was 7 % with a daily finance rate of .01917 % XX/XX/XXXX 7.5 % daily finance rate .02054 % XXXX and XXXX XXXX  8.25 % daily finance rate 0.2260 % XX/XX/XXXX 9 % daily finance rate .02465 % XXXX and XX/XX/XXXX 9.75 % daily finance rate .02671 % XX/XX/XXXX 10.5 % daily finance rate .02876 % XXXX XXXX 11 % daily finance rate .03013 % XX/XX/XXXX 11.25 % I have never received any notification that my rate was increasing let alone just about every month. After I spoke with them they could not answer give me an answer to why the rate has been continually increasing and said that I could apply for a rate reduction. 

Is it legal for them to keep increasing my interest rates on a closed 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 explanation
Consumer complaint received 2023-02-08 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: WI

Complaint narrative:
I had a charge off with XXXX. XXXX transferred the account to XXXX. I paid off the charge off in full on XX/XX/XXXX. XXXX said they would report to the Credit bureaus. They didn't. Experian said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
XXXX  3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: RI

Complaint narrative:
Dear SELF/LEAD BANK ( Account # XXXX ) I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a checking account online at CititBank ( last 4 of account number are XXXX ) and deposited {$30000.00} on XX/XX/XXXX in order to earn a {$500.00} bonus. The flyer that was sent in the mail about the bonus stated Its simple to earn your cash bonus. Open a new Citi checking account between XXXX  and XX/XX/XXXX. Within 20 days of opening your account, deposit the required balance in new-to-Citibank funds into the new checking account. Maintain the required minimum balance for an additional 60 consecutive calendar days. I did all of those steps and maintained the required funds until XXXX which was 70 days, 10 days longer than the required 60 days. I was supposed to receive the {$500.00} bonus 30 days after meeting the requirements. When I didnt receive the bonus, I chatted online with CitiBank with XXXX. She told me that she agrees that I met the requirements but she would have to put in a request to find out why my bonus wasnt applied to my account and she would email me the findings. In the meantime, my husband was dealing with the same issue on the phone and found out there is actually a maintenance period of 20 days before the 60 days is counted. My husband and I both read the flyer multiple times and there was no mention of the maintenance period on the front of the flyer. There were no footnotes or asterisk or anything about a maintenance period. We finally found that information on the back of the flyer in tiny print. I obviously would have held my funds there the additional few days had I been aware of the maintenance period but that requirement was so hidden most normal people would not be aware of it. Even their own employees arent aware of the maintenance period when you talk to them. They could have easily mentioned the maintenance period on the front of the flyer under the 3 simple steps listed but they didnt. I think this is deceptive advertising and almost fraudulent. Because of their deception, they enticed me into providing them with {$30000.00} of my money for over 60 days with no interest. So not only did I not receive the {$500.00} bonus but I also lost the interest on the {$30000.00} that I could have kept in my interest bearing savings account earning over 4 % interest. If there is anything that can be done to either get the {$500.00} bonus or recoup my lost interest, I would greatly appreciate your help. I would also like CitiBank to be held accountable for misleading customers about the requirements necessary to earn bonuses. ALL requirements should be listed on the front of the flyer so customers know exactly what they have to do to earn the bonuses. Burying one of the requirements on the back of the flyer in tiny print should not be acceptable. Thank you.

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 2023-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
Dear CREDIT ACCEPTANCE CO  : XXXX ; In accordance with the fair credit reporting this account has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 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. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-02-08 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: LA

Complaint narrative:
All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2023-02-08 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I contacted the company back in XXXX to close my account, and received a message saying they would take care of it. 
Starting around XX/XX/XXXX and from that point on, I have been receiving calls from them ; I was not sure why since I was told they would close my account. 
Recently I saw that my credit score changed and saw that I had missed a payment to Comenity Bank which I thought was not right since my account was closed. I started a dispute through XXXX in XXXX to figure out what was going on, but from the results, the account is still on my credit report. 
I have tried logging in to my Comenity account to see what I could do, but they have no record of me when I try to reset my password/username. 
What I am trying to figure out is if they do not have a record of me currently banking with them, why is my account apparently still " active '' and I am having to continue to make payments even though I am no longer attached to them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I put {$200.00} dollars in the bank for the 3.75 % apy through a third party bank known as Citizens Access, for some reason, and they have no answer to this, my account is under review. All I did was transfer money from XXXX and XXXXXXXX XXXX  over to my account to leave in so that I can collect interest, and I was considering doing biweekly deposites of XXXX dollars, totalling $ XXXX. I feel like I have been scammed, and am concerned. Im reaching out to the consumer finance bureau to get Citizens Access to fix this. I tried to fix it myself, but upon reaching out, they couldn't tell me what's going on, let alone fix it. This is completly unacceptable, and since I could lose my cat, a rescue, to parvo due to not being able to get that money for his vet appointment on Friday, not only is this unacceptable, but this is also UNFORGIVEABLE. I want my money, back. Please, and thank you.

Company response to consumer: Closed with explanation