vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have been paying my balance in FULL, on or before the due date for months to avoid interest.

I have statements that show where, if I paid in full I was not going to be charged any interest and then random statements in between where some months they're charging interest even if it's paid in full. It makes no sense.

I am being charged a " daily interest rate '' on top of the 30 day APR interest rate. 

I had someone call me on XX/XX/XXXX from Comentity Bank ( Victoria Secret Card Services ) stating she see what's been happening and not to worry it will all be taken care of and then today. 

Then today XX/XX/XXXX, I had some guy from there calling me harassing, me being very rude, telling me she was wrong and he was told to call me and clear the issue up. That they charge interest even if you pay your balance in full. " Wow, I mean if you can't paid your balance of just {$130.00} ... '' " NO SIR, I HAVE PAID MY BALANCE... IN FULL, SO WHY ARE YOU CHARGING A LATE FEE ON INTEREST?? '' MAKE SURE YOU ARE ALL CHEKING YOUR STATEMENTS MONTHLY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are being reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST HORIZON BANK
State: PA

Complaint narrative:
I have apparently had a credit card account with First Horizon bank for years, but, I have never received or used their card. Once each year I reveive a bill for an annual fee of {$45.00} dollars, which is paid through my checking account with another bank. That bill for the annual fee is mailed to my home and does not include the full credit card account number, only the last four digits. 

I have tried multiple times to contact First Horizon and was once told that the account was closed. I have just received another bill, however, and I'm told that no one can discuss the account or close it for me without the credit card number, which I do not possess. At this point I'm apparently paying them $ XXXX for nothing at all. 

I don't live anywhere near a physical branch, in fact, there does not appear to be any First Horizon banks in my state of Pennsylvania. Surely there must be some way to close this account that I've never used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: KY

Complaint narrative:
Recently, I noticed that there was a collection account on my credit report. I reached out to the company and asked for a validation of the debt. I received the letter, however, the letter comes from Ability Recovery Services LLC but the current creditor is showing as XXXX XXXX XXXX, XXXX. This seems very scammy. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is XXXX folded and as follows : Validation of Debt and HIPAA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-18 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-18 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: LA

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-18 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: LA

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: CA

Complaint narrative:
Per FCRA as a federally protected consumer. I am now OPTING OUT of Any and all AUTHORIZATION. I the consumer may have given you written, unwritten, verbal and non verbal per 15usc6802 Us bank  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX in. 
( OPTING OUT )

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I believe the accounts are invalid. USAA FEDERAL SAVINGS BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be remove from my credit & their records. USAA SVG BK XXXX USAA FSB XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Peoples Financial Corp.
State: GA

Complaint narrative:
My vehicle was totaled XX/XX/2023, the car was considered a total loss at no fault of my own I called XX/XX/XXXX to receive my payoff amount which I was told was XXXX good thru XXXX 2023 My car was valued at XXXX by XXXX XXXX XXXX which would leave me {$2300.00} to be paid directly to me by XXXX The manager of the branch turned in fraudulent paperwork to XXXX which I have all documentation stating I owed over XXXX which is as much as my i initial loan amount that I have made XXXX payments on by doing this XXXX gave them all of the money for the payoff Now he will not give me the overage owed to me, I reported to XXXX  as well and he responded to them which I can provide that he has decided to give me my overage of XXXX which shows just from the math he lied to XXXX about XXXX  payoff amount. 
This has been over ten days now where if he had told the truth I could have another car I feel he should be held responsible for his lies as well as one of the financial assistants who provided the false paperwork to the insurance company In managers response to XXXX  he mentions a second account for clarity that is an account I cosigned on a totally different vehicle for my son and has XXXX to do with my vehicle or my account for my vehicle also I tried to have him allow me to take over oayments if he would put sons truck in my name and he said he could not do that so I cant help him I wont pay something off that I am not primary on I already paid A year of notes myself on that account trying XXXX help I can provide all documentation and names that are requested PLEASE HELP MAKE THIS COMPANY DO WHAT IS RIGHT IF THEY DID THIS TO ME HOW MANY PEOPLE THAT DONT CATCH THEIR LIES DO THEY GET OVER ON Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-18 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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ever since the XX/XX/2017 Equifax data breach I have maintained freezes on all of my credit reports. Recently, I had to login with the three major credit bureau websites to temporarily lift my freezes. When I create online accounts that contains sensitive personal information I always enable XXXX settings to better secure my accounts. When I logged into my Equifax account I was surprised when I wasn't prompted for a XXXX code like I was with the other two bureaus. I checked my account settings and sure enough XXXX isn't even an option. How is Equifax lacking a proven security feature six years after they failed to protect customer information? Has Equifax learned nothing? If I had the ability to remove myself from their service, I would, but since credit isn't option I'm forced to endure their continued gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
It's a medical debt that I don't owe I have XXXX and XXXX insurance with no copay. Don't even know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2023-12-18 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2023-12-18 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: PA

Complaint narrative:
I was a victim of the Equifax Data Breach. Equifax has already admitted that I am a victim, but they still continue to do nothing. When I first started doing my own investigation back in XX/XX/2023 so I can clean up my credit report. Equifax failed to inform me that I was a victim of the Equifax Data Breach. Please read the attached statement and I also enclosed the proof from their website for the Equifax Data Breach Settlement that I am a victim of this Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-12-18 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hello, From XXXX of 2023, I filed a dispute with Transunion, XXXX and XXXX Credit reporting agencies about the Charge-off account of XXXX XXXX XXXX because the high balances are completely different. In these months I have tried multiple attempts for correction or deletion of this account with these credit reporting agencies. The Fair Credit Reporting Act states that they must report accurate and consistent info on my credit report or delete it from my credit report and they have not and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NV

Complaint narrative:
In XXXX, I disputed a charge made by XXXX saying I had purchased a game that was shipped to an address in Texas. At first, the employees I spoke to tried to be helpful. I spoke to at least XXXX. In XXXX, I received a notice that they had documentation from the merchant & the {$160.00} was added back to my account. I immediately contacted Citibank & spoke to a man ( I wish I had written his name down ). He became very accusatory & said you didn't sign the letter & return it to us by XX/XX/XXXX, as you were instructed. I told him I never received the letter. He said you most certainly did, it's on your webpage. I said & I'm supposed to know this. He said yes. I did find the letter on my webpage. I signed & mailed it to Citibank, XXXX XXXX  XXXX, XXXX XXXX, SD XXXX. 
I phoned Citibank again & was bounced around & asked to call a different number. Finally, I reached a man who seemed to know what I was talking about. He said they had documentation from XXXX. The documentation showed my credit card number, my name was misspelled & an address of XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, where the game was delivered. I did not make this purchase & have no intention of paying. XXXX of the employees asked if I had grandchildren who XXXX have used my credit card. I do have grandchildren, but they live in XXXX & have no access to my credit card. The thing that bothers me the most is that I receive advertisements & solicitation from Citibank at least weekly in the mail & they couldn't mail the letter or send me an e-mail to tell me the letter was on my webpage. They have now sent me a bill & sent an e-mail to tell me where it was. They have charged me interest & have threatened to charge me a {$40.00} late charge. Please help.

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 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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