vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$60.00} 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My 2023 Credit Card Reward Certificate in the amount of {$390.00} became available XX/XX/2023. As the amount was above {$300.00} I was given the option to direct deposit this amount to one of my checking accounts. XX/XX/2023 I elected the direct deposit option but was given an error message. The system incorrectly shows that my certificate was redeemed XXXXThe funds to date have not been deposit into my account. I have called 8+ times and spoken to multiple people to try a remedy the situation with Citibank however each person I speak to says that there is a known issue and that it should be deposit in my account 3-5 business days. As I have gotten this answer multiple times and the funds have not been deposited in my account to date I requested that I be allowed to redeem my certificate at Costco Wearhouses directly as it is the other option. Citibank has refused this option as well.

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 monetary relief
Consumer complaint received 2023-03-13 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX  XXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX, account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX  XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/23 I had two bogus charges made on my Visa account with Wells Fargo. After numerous complaints, they will not refund the larger of these of XXXX. This makes no sense, as I have a good amount in both savings and checking with them. I pay all my bills before they are due, and have a credit rating in the XXXX + range. This charge was made in another state, which I have not been to. Case id # XXXX. I have contacted them by both mail and phone on this matter.

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 monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have a Comenity / Bread XXXXXXXX XXXX XXXXXXXX. They offer a promotion for any season ticket purchase over {$250.00} you have 6 months no interest promotion period. I made my season ticket purchase with the XXXX XXXX for {$4800.00}, directly with the XXXX XXXX ticket office. When the charge posted to my account there was no promotional period. I spent over a week going through their online chat to try to find out why it wasn't added with a promotional period. They eventually determined it didn't have one, even though it clearly states on all of the marketing literature that a promo exists. 

I then called them, spoke with two different supervisors ( the last of which was very rude and aggressive ) and the only thing they could offer was to dispute the charge in order to have it added to the promotion. The dispute takes two weeks and the balance on the card is due in a week and a half. They are essentially forcing me to pay the card in full to avoid interest charges since the dispute won't be complete until after the payment due date. 

This is very misleading and I still never received an answer as to why the promo period is being advertised but not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TX

Complaint narrative:
Since the beginning of XX/XX/2022 I have tried to resolve this matter. This agency has violated my rights by disregarding my letters sent in to resolve this matter. Under 15 USC code 1681e ( b ) states that the Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate. This account has been deleted from XXXX but not this agency.

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 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT AND SUBMITTED MY PAPERWORK TO THE CREDIT BUREAUS. THERE WERE TWO COLLECTION ACCOUNTS WITH THE SAME COMPANY THAT SHOULD HAVE BEEN REMOVED BUT ARE STILL SHOWING AND THIS IS HOLDING UP THE PROCESS OF ME BUYING MY HOUSE. THESE ARE THE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00}, CXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$2400.00}

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 2023-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates call me, sent letters. Furnished CRA 's with false misleading inaccurate information, balances, times. And reported collections which letters stated this is not a attempt to collect a debt, corroborated with XXXX XXXXXXXX XXXX XXXX and sent me bill 's and letters which I never seen before and opened accounts in my name. Without any contracts. I disputed everything and it's reported collections, and now new letters stating they are collecting a debt that they don't or are not entitled to. Unfair practices. Shameful company. Computer generated correspondence. Improper investigations. Violations repeatedly with no regards to the chaos and financial burden they caused me. See : law suits articles

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 8 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on time as they should be as I was NEVER Late. 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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
Payment of {$70.00} was made on XXXX to bring my account current for the XX/XX/XXXX payment date. I was charged a late fee on XX/XX/XXXX which put me over the limit. 
The company stated I made my payment too early so it charged me a late fee. I requested the fee to be waived and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, Equifax and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, XXXX and Experian is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

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 2023-03-13 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXXXXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX XXXXXXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, 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 2023-03-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX XXXXXXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, 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