vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my credit report and found out a XXXX XXXX  XXXX credit card account that was a fraud account. I didn't even open a credit card at XXXX before, I tried to dispute this account, however the XXXX denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way XXXX solve my problem, and it hurt my credit score a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from US customs and border protection. It will show that I arrived at XXXX at 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-09-04 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Dear XXXX XXXX and Relevant Person in Charge of Macy 's : I am writing in reference to the recent correspondence regarding my Macy 's credit card accounts. I must express my strong disagreement with the decisions and actions taken by your institution. 

With regard to the alleged fraudulent transaction on the account ending in XXXX, I categorically assert that the order of {$240.00} on XX/XX/XXXX, was unauthorized and without my consent. Despite the shipment to an address associated with me, this fact alone does not substantiate my involvement or authorization of the transaction. I hereby demand a thorough and impartial reexamination of this matter by the XXXX XXXX, with full consideration of any additional information I XXXX provide to clarify the situation. 

Furthermore, I vehemently object to the closure of the account ending in XXXX. I have consistently met my credit obligations, making timely payments in accordance with the terms of the XXXX XXXX. Such an unwarranted closure not only causes inconvenience but also potentially damages my credit record. I insist on a comprehensive review of my account and the immediate reversal of the closure decision. 

In addition, I have serious reservations about the information provided by the XXXX XXXX XXXX XXXX. I suspect that there XXXX be inaccuracies or errors in the report, which could have unjustly influenced the decisions made regarding my accounts. I demand the opportunity to scrutinize and rectify this information, ensuring the accuracy and fairness of my credit profile. 

I trust that you will take my concerns seriously and take prompt and appropriate action to rectify these issues. Failure to do so XXXX leave me with no choice but to seek legal remedies to protect my rights and interests. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/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 2024-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Dear National Credit System : XXXX XXXX XXXX or XXXX Account Number or other information to identify account : National Credit System XXXX Naturally XXXX XXXX XXXX XXXX GA XXXX Source of dispute information : Forty-Nine North Apartments Type of disputed information : Rental Debt Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Before issuing a final determination in any dispute in which informal resolution has not been achieved, the Contracting Officer shall suggest that the other party consider the use of voluntary consensual methods of dispute resolution, such as mediation. The DOE dispute resolution specialist is available to provide assistance for such disputes, as are trained mediators of other federal agencies. ADR may be used at any stage of a dispute. 


Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank/Victoria 's Secret is defrauding consumers with deceptive late fees. After opening an account to build good credit, I attempted to pay off my balance online, only to find the payment option grayed out. When I called the provided number, I was informed of an unexpected late fee. Despite paying my balance and being assured there would be no further charges, I was repeatedly hit with late fees as they continued to move the payment deadline. I ultimately closed the account, confirmed I had a XXXX balance, and was told there would be no future charges, but the fees continued. This company has failed to disclose critical information, moved goalposts, and engaged in practices that seem fraudulent. I demand the immediate removal of this item from my credit report, as they have not acted in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX and XXXX. After reviewing my recent credit report, I have identified the following errors that requires correction : XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 



XXXX XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX and XXXX. After reviewing my recent credit report, I have identified the following errors that requires correction : XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 



XXXX XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Provide proof of verification of this account or remove immediately for inaccuracy.

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 2024-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC 's Client Relations sent a notice to the wrong address ( Luckily XXXX sent me a copy through email ). My contact has been with XXXX XXXX listed as XXXX Client Relations. I was given a form by XXXX to send Notice of XXXX XXXX under the XXXX XXXX it is called out what purpose the document is for. I notified XXXX XXXX of the mechanisms for the XXXX XXXX over the phone. The Notice I have received in response to my complaint and form is noncompliant with the XXXX XXXX Notice XXXX. From the XXXX XXXX " You requested that XXXX discharge your private student loan due to misconduct on the part of your school. Your request was forwarded by XXXX to PNC for response. PNC does not have a loan discharge program based on a schools misconduct. As a result, your request for forgiveness of the Loan must be declined. ". Whether PNC offers a loan discharge program or not doesn't effect the mechanisms of the XXXX XXXX Notice nor does it remove the contractual obligations of PNC to adhere to the mechanisms of that Notice. " PNC regrets that you have fallen victim to a scam and understands this can leave you seeking additional information on how to report such activities. You may wish to file a complaint at XXXX and with your local authorities. '' I am not sure how reporting to the authorities something that informed the public on is going to do for my situation with their loan agreement policies. Also PNC points out that it was a scam so they are still requesting I make payments on this loan knowing it is in connection with fraudalent and undelivered services " Thank you for allowing us to clarify PNCs position in this matter. '' That isn't really a clarification it is just a " We don't do that here '' response. 

Also I had reported the interactions with this employee to @ PNCBank_Help on XXXX / XXXX and was supposed to get contacted about it but that contact never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
$ $ was taken out of our checking account without our authorization.. {$71.00} was taken by XXXX, XXXX XXXX hwy XXXX chattanooga, tn XXXX on XXXX did not authorize this. i called my bank, first national bank of XXXX and reported this..they said that they would initiate an unauthorized debit report and dispute this. i also called XXXX. they said that they had authorization to debit my account. i assured them that they had no authority to do this. they said that they would credit the amount back into our checking 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Had XXXX XXXX for years. Bought something for {$18.00}. They on their own, said they decided to send bill electronically. Never got. Saw my FICO drop from XXXX to XXXX so called to find out why and was told about XXXX. Called XXXX and complained. They dropped late fee and I paid the {$18.00}. They refused to take the delinquent notice off my credit report. 
Contacted credit report companies and was told XXXX had to do it. Given the run around for a year. I want the bureaus ( XXXX ) to take this fraudulent info off so my credit report reflects the truth.

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
The bank is reporting an incorrect address to the credit bureaus. I been trying to correct this information by calling the banks customer service phone numbers : XXXX. The credit card accounts that are being reported to my consumer credit reports are closed. The main problem is that I'm confronting is that my social security number do not match with the bank information system, making impossible to customer service representatives correct my mailing address on system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Going on approximately XXXX weeks now, calls from XXXX. Starting at XXXXXXXX XXXX and not stopping until between around XXXX XXXX to XXXXXXXX XXXX, calling anywhere from 4 to 7 times a day. This is a ridiculous amount of calls on a daily basis for anyone to be placing, but its completely uncalled for from any collection agency. I've asked them to stop, but that only makes things worse for a few days after and the calls increase between XXXX to XXXX times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-09-04 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: MN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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