vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I attended XXXX Arizona university XXXX. XXXX and passed but Covid took the teachers out at the end they never came back so I didnt get my degree, however I attended XXXX XXXX XXXX college in XXXX they are charging me for a grant on my credit report there are two charges from XXXX XXXX XXXX I spoke with the financial aid building and wrote them from XXXX  im XXXX and put said loan in forbearance and deferment but XXXX or XXXX or XXXX are say I owe a different ammount then what I owe I didnt think Pell grants had to be paid back. Ive been try to get a car because the dealer ships all started calling me but then then deny me. While trying to fix my credit I paid XXXX  and they didnt help me. So I contacted XXXX law and paid them nothing has happened and I only just found out that during the years I was in prison I was victim of identity theaft my taxes were ran for some of the jobs that I was on and I never got the money and I did not file those returns. Also mortgage loans were taken out in my name but they wont show them to me go over them with me or if it try to refute them them happens my own bank Wells Fargo wont help me add my electric bill or fines Ive paid for years to my account to raise my credit score

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate data has continuously been reported on my credit profile. Balance, payment and historical history is inaccurately being reported to my Transunion credit profile. Transunion has not investigated the accuracy of the reporting data. Therefore, Transunion is reporting false information.

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CitiBank as of late XX/XX/XXXX was charging 21.24 % interest on a Citi/AAdvantage credit card for a customer with a XXXX XXXX score, an annual income of approximately {$140000.00}, and a long-term track record of timley payments. Citibank on XXXX XX/XX/XXXX raised interest rate on the Citi/AAdvantage credit card from 16.74 % to the Penalty Rate of 29.990 % after claiming to have received a payment one day late ( due XXXX XX/XX/XXXX and received on XXXX XXXX ). Citibank has continued to charge well over 20 % interest for over two years, despite no late payments during this 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valentine and Kebartas, Inc.
State: TN

Complaint narrative:
On XX/XX/2022 I accepted an agreement to make XXXX consecutive payments in exchange for an account to be removed from my credit reports. All payments have been made but neither company involved have followed through with agreement. I feel this would be considered fraud and a violation of laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has not done a complete investigation to the wrongful reporting information into 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 non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/2022 I accepted an agreement to make three consecutive payments in exchange for an account to be removed from my credit reports. All payments have been made but neither company involved have followed through with agreement. I feel this would be considered fraud and a violation of laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-03-31 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: FL

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-03-31 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: FL

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/22 : Was alerted by a bank that someone had made an inquiry into my credit. I checked the bank website and learned that the inquiry was from Comenity Bank/Victoria 's Secret. I had not applied for credit with that entity. I placed a one-year fraud alert on my credit report via XXXX, triggering fraud alerts on XXXX and XXXX. 

XX/XX/22 : Received a Victoria 's Secret credit card in the mail. I wondered whether it was just an unsolicited card and pondered how to dispose of it. 

XX/XX/22 : Received a bill from Comenity-Victoria 's Secret for {$800.00} in Victoria 's Secret purchases. Transactions were as follows : XX/XX/22 : XXXXXXXX XXXX, # XXXX ( store number, I gather ), {$5.00} XX/XX/22 : Same location, {$550.00} XX/XX/22 : XXXX XXXXXXXX XXXX  # XXXX, {$240.00} Note that I live far from either of those states and was in neither of them at those times. 

XX/XX/22 : Phoned Comenity/Victoria 's Secret at ( XXXX ) XXXX to report the fraudulent opening and fraudulent use of a credit card in my name. The representative asked whether I had my driver 's license with me ( which I did ), because in all three instances it was noted that the user of the fraudulently opened account had shown a driver 's license to verify identity. The representative said the credit card would be disabled and an investigation would ensue, which could take up to 90 days. He also said that in a couple of weeks I could call the fraud line at ( XXXX ) XXXX and obtain a case number. 

XX/XX/22 : Went into XXXXXXXX XXXX website and saw that my credit score had declined, apparently as a result of the opening of the Victoria 's Secret card account and the {$800.00} purchase. Contacted XXXX XXXX  ID theft line at ( XXXX ) XXXX and communicated with an automated system. It said it would add a one-year fraud alert to my credit report that would apply to all three credit bureaus. ( Not sure what that means given that I already had set up a one-year fraud alert. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : SyncXXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I XXXX be reached at 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 non-monetary relief
Consumer complaint received 2022-03-31 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I may be reached at XXXX to confirm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The credit bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
they did not do this Also, they have violated my rights even more In accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. Payment history is also showing inaccurate reporting on all 3 credit Bureaus. This grounds for Removal They Also Violated the law because according to 15 U.S.C 1681 Section 602 A. States I Have the Right To privacy! 5 U.S.C 1681 Section 604 A Section : States a Consumer reporting Agency Can not a account without my written instructions I did not grant anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Debt collector is trying to collect {$4800.00} in fees for an apartment I had rented. The apartment ended up being roach infested in covered in XXXX. I gave management several chances to correct the issues and gave them chances to let me out of my lease and refund my money. They insisted all they would do was take 60 days of rent paid and no fees. So I paid 2 months rent and broke the lease. After they went back on what they said and charged {$4800.00} in fees. Now the credit collector has attached this to mine and my XXXX XXXX XXXX daughters credit reports, ruining our credit. I legally broke the lease due to health hazards and even paid what the property was asking, even though legally I didn't have to. I should not be lied to and charged fees, I've already lost thousands because of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Basically The Problem Is I Have XXXX XXXX Account. I Frequently Use It With XXXX. My Credit History Is Not Reporting XXXX XXXX On Any Of The Bureau 's, Every Credit Company That Has Statement Dates So On And So Forth Needs To Be Reported Immediately, This Is Something That Needs To Be Shown And Not Hidden. Please Thank You, It'll Be Greatly Appreciated. Failure To Report My Statements Is A Very Serious Problem

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Basically The Problem Is I Have XXXX XXXX Account. I Frequently Use It With XXXX. My Credit History Is Not Reporting XXXX XXXX On Any Of The Bureau 's, Every Credit Company That Has Statement Dates So On And So Forth Needs To Be Reported Immediately, This Is Something That Needs To Be Shown And Not Hidden. Please Thank You, It'll Be Greatly Appreciated. Failure To Report My Statements Is A Very Serious Problem

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