vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact ya 'll believe you gave me proper notification then please send me the certified receipt with my signature on it stating I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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 am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items 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 2024-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
XX/XX/XXXX XXXX XXXX XX/XX/XXXX returned XXXX bal of XXXX XX/XX/XXXX Paid successfully on their website XXXX paid in full. 
then in XXXX the rejected the payment after they charged me {$30.00} in late fees. they said they do not take savings information, which they did successfully. It is not a savings accout XXXX there was no problem on the website, this was a way for them to get {$30.00} more from me. I complained, they said they wouild only charge me {$15.00}. which is crap.this is either thier poor programming or they do this on purpose. I Paid AGAIN XXXX which included XXXX interest i should not have paid. no they are charging me {$40.00} of Late fees which is now twice as much as I originally bought. They purposefully did not take my payment and tricked me, letting me know it was paid in full then saying they would not take. The are now saying i owe them XXXX which is the amount of all thier late fees, on items I already paid. 
poor poor business practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Fl, XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date XX/XX/year> Re Acct [ XXXX ] This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation that is competent evidence bearing my signature, showing that I have [ or ever had ] some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports [ including XXXX, XXXX and XXXX ] from your company or any company that you represent, for a debt that I don't own, is a violation of the Fair debt collection Practices Act FDCPA 807 [ 15 U.S.C. 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports, Fail to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to XXXX in damages for : 1 ] Defamation 2 ] Negligent Enablement of Identity Fraud XXXX ] Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act area. 

For the purposes of 15 U.S.C.1692 et sec , this Notice has the same effects a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
My Chime checking account was accessed by an unknown individual without my authorization while XXXX XXXX XXXX This person stole my belongings, which the staff had put away for me during my treatment for XXXX. They drained my bank account of {$3900.00} through 13 transactions, each spaced 30 seconds apart. Eight of these transactions occurred within five minutes, with amounts ranging from {$100.00} to {$100.00}. Then, a few minutes later, five more transactions were placed back-to-back within two minutes. One was {$600.00}, and the rest ranged from {$100.00} to {$100.00}. This type of activity, occurring within such a short amount of time between each transactionsome being seconds and others barely a minuteshould have raised red flags immediately if Chime was truly protecting their customers ' accounts. XXXX XXXX XXXX at the time and didn't have access to my phone, as it was taken with all my other XXXX XXXX XXXX XXXX I still tried checking for any notifications after becoming aware of fraudulent activity on my account. Not a single alert or notification from Chime regarding this activity was received. This is truly unacceptable treatment for a customer. I believe the fraudulent activity could have been avoided or stopped if Chime had not been negligent in providing the security and fraud prevention measures they claim to offer their customers. Due to this incident, I have lost the {$3900.00} that was in my account, which was the last balance I saw before being XXXX XXXX XXXX XXXX  That money was supposed to be used for my medical bills, which are now unpaid and will continue to increase. I really hope this error in Chimes security measures can be corrected accordingly and my money be returned to my balance ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A student loan listed by the Dept of Education XXXX for {$2700.00} on my credit report. The loan was discharged by the Dept of Veteran Affairs for Total and Permanent XXXX ( XXXX  ) on XX/XX/year>. I have tried numerous times to get it removed.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A student loan listed by the Dept of Education XXXX for {$2700.00} on my credit report. The loan was discharged by the Dept of Veteran Affairs for Total and Permanent XXXX ( XXXX  ) on XX/XX/year>. I have tried numerous times to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A student loan listed by the Dept of Education XXXX for {$2700.00} on my credit report. The loan was discharged by the Dept of Veteran Affairs for Total and Permanent XXXX ( XXXX  ) on XX/XX/year>. I have tried numerous times to get it removed.

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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I pay my bills on time, no doubt about that. I dont get why this company shows late payments. As per USC 1666b, any mistake in billing should be fixed, and the account should show paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-11 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: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am writing to file a complaint regarding Citibanks failure to refund {$1200.00} that was wrongly withdrawn from my account. This charge was the result of a purchase made through XXXX for Costco, but the purchase was made by my mother using her debit card, not mine. I contacted Citibanks dispute department to bring this issue to their attention. The representatives at the dispute department acknowledged that there was an error and confirmed that the transaction was charged to my account inappropriately due to a mix-up in debit cards. They assured me that this was clearly visible in the transaction logs and that I should be refunded for the {$1200.00}. However, despite the dispute departments findings, Citibanks investigation team has refused to issue the refund. Their team has failed to recognize the same error that the dispute department identified, leaving me with no resolution to the issue. The investigation team seems to have overlooked or misunderstood the evidence showing that the charge should have been processed using my mothers debit card and not mine. This situation has caused unnecessary financial stress, and I am deeply frustrated by Citibanks inability to resolve such a clear and straightforward issue. I am requesting that your office assist me in resolving this matter and holding Citibank accountable for the error and the delays in refunding the {$1200.00}. I appreciate your attention to this matter and look forward to a swift resolution. This is the second time I've had to file a complaint against this banking institution, and it's becoming a frustrating experience on my end. I am dangerously close to pulling all my funds out, closing my account with Citibank, and opening another one with a more reputable bank

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 2024-10-11 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: FL

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 non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : 1. Account Number : o XXXX : XXXX o Experian : XXXX o XXXX : NONE Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o XXXX : {$6900.00} o Experian : {$6900.00} o XXXX : NONE 3. XXXX XXXXXXXX XXXX XXXX XXXX  : o XXXX XXXX XXXX XXXX : {$6700.00} ; XXXX XXXX : {$5700.00} o Experian : XXXX XXXX XXXX {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX : NONE XXXX. XXXX XXXX : o XXXX : {$0.00} o Experian : {$0.00} o XXXX : NONE XXXX. XXXX XXXX : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : NONE XXXX. Comments : o XXXX : Charged off as bad debt. Dispute resolved ; reported by grantor o Experian : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o XXXX : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o XXXX : NONE Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: IL

Complaint narrative:
XXXX, Equifax, & XXXX NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case NoXXXX XXXX XXXX XXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : 1 ) XXXX XXXX XXXX {$530.00} acct # XXXX 2 ) XXXX XXXXXXXX {$63.00} XXXX 3 XXXX XXXX XXXX XXXX {$370.00} acct XXXX 4 ) XXXX XXXX XXXX  {$300.00} XXXX. 
. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!

Company response to consumer: Closed with non-monetary relief