vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 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: FL

Complaint narrative:
I've previously filed a CFPB complaint against this company, Transunion. The complaint number is XXXX. Transunion has replied to the complaint with a LIE that they have removed the Account in question ( XXXX XXXX XXXX ). The account is still indeed reporting along with the inquiries I also disputed. Included in my disputes with this company, I've provided a police report, FTC report ( s ) and documents that prove that I am who I say I am; All of which shows that I am a victim of identity theft. Per consumer laws, the account in question should be deleted. I have previously filed a lawsuit against this company for the same exact misinformation being reported on my behalf. I am making this formal public complaint before issuing another. The following inquiries are also not authorized by me XXXX XXXX - XX/XX/23XXXX XXXX - XXXXFCRA Section 611 ( a ) ( 5 ) ( A ) : This section requires the reporting agency to follow reasonable procedures to ensure the maximum possible accuracy of the information in the consumer 's credit report.

FCRA Section 611 ( a ) ( 7 ) : This section stipulates that if a consumer disputes the completeness or accuracy of any item of information, and the information is found to be inaccurate or can not be verified, then the reporting agency must promptly delete that item or correct the information.

FCRA Section 623 ( a ) ( 8 ) : This section requires that a reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the information disputed by the consumer.

FCRA Section 623 ( a ) ( 2 ) : This section prohibits the reinsertion of information previously deleted without notice to the consumer unless the furnisher certifies the accuracy of the information.

Furthermore, I want to highlight that I have taken additional steps to address this issue : I have filed a report with the Federal Trade Commission ( FTC ) and possess a reference number for the complaint.

I have filed a police report regarding the fraudulent nature of the account, and I can provide a copy of this report upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed a letter asking for my name and address to be corrected on XXXX XXXX XXXX The Experian company refused to delete the incorrect information on XXXX XXXX, XXXX, which is a violation of my rights according to the FCRA. Along with the request letter mailed on XXXX XXXX, I supplied the company with a copy of my driver 's license, social security XXXX and rental agreement. This is a clear violation of my rights.

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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I ordered special 3 items for {$36.00}. I received all three items but at different times not all together. I paid for the first item which was too big but kept it anyway. When the other two items arrived I was charged individually for each item. I went to post office and had them returned. It wasn't my fault that postal service was slow getting their items back to them. They sent me bills about the items, I sent them the tracking numbers of the items that were being sent back to them. They rung my phone everyday for months over and over again. Seeking a payment that I didn't even owe and was adding interest daily to the changes trying to get more money out of me. They know they were wrong and yet, they still sending me catalogs still trying to get me to order something else with all this messiness going on. That's not a very reputable company, at least I doesn't think so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was an invalid placement on my credit report of a bankruptcy that stayed for over five years and is currently on my report. the bankruptcy had been dismissed and terminated and was not subject to any adversary actions after requesting investigation proof from XXXX XXXX, as well as XXXX. I was told multiple times the bankruptcy was filed as valid when I requested the proof of investigation I was told that they were using pacer to validate the information, this is not a valid source according to the FCRA. The bankruptcy has been re-dated multiple times. I have notified XXXX as well as XXXX XXXX. The original filing of the bankruptcy in question was XX/XX/XXXX. XXXX XXXX and XXXX continued to report knowingly. It has caused me distress and inability to obtain credit. There is a {$0.00} liability clearly displayed on the account. There has never been an attempt to contact the treasurer. I have never received a response of results from my disputes after my first original dispute. The report that XXXX and XXXX XXXX displayed from XX/XX/XXXX to XX/XX/XXXX is in accurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: SC

Complaint narrative:
Per the 1974 privacy Act it concerned me that I had to dispute several time to have my personal information updated to my current address and phone number ; XXXX, Equifax, and XXXX violated my privacy by revealing several addresses, phone numbers, and inquiries ; More importantly, XXXX has not corrected the issue concerning my personal information. Furthermore, I believe this is willful negligence on behalf of each reporting agency!! In addition, I'm afraid my personal information could have be open to Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NE

Complaint narrative:
I have getting repeated calls all day and never leave a voicemail. VM length XXXX every single time. Im trying to catch up with things, but the harassment is ridiculous.

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 2024-02-11 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: IN

Complaint narrative:
There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by XXXX documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, studentaid.gov, XXXX XXXX, XXXX and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from XXXX and XXXX. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM XXXX AND XXXX AND NEEDS TO BE RESOLVED IMMEDIATELY. 

All 6 loans need to be removed 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 explanation
Consumer complaint received 2024-02-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called XXXX XXXX on XX/XX/2024 XXXX XXXX told me that their Collection agency ( XXXX XXXX ) take care of my issues, they no longer have my account!! 
I then called XXXX XXXX the same day, XXXX ( XXXX ) told me they no longer have my account, my account was Canceled/ no Collections!! 
Will send me a Email!! 
Stating information of Cancelation!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Received a XXXX gift card XX/XX/XXXX. Have tried using it at all retailers I frequent including all grocers, online merchants, XXXXXXXX XXXX, XXXX XXXX, Gas stations, XXXX .... and it only worked one time at an overseas merchant ( XXXX ). They will not release my funds and the advice is to try again elsewhere, but there is nowhere else to try. Reaching a real person seems next to impossible and the automated responses do not apply and are not helpful. 

At this point I feel like it's fraudulent of the credit card company to take the money and then refuse to allow us to use the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 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: KS

Complaint narrative:
XXXX XXXX XXXX Dear Experian, I have the following information on my credit report that doesn't have permissable purpose according to teh FCRA Fair Credit Reporting Act. Anything furnished on my credit report must have permissable purpose according to 15 USC 1681 B. Here are the following hard inquirires : XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX  XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXXXXXX XXXX, 2022 XXXX  XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX  XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XXXX XXXX, XXXX, 2022 XXXX XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 2022

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 2024-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nationwide Loan Consultants and Advisors, LLC
State: IN

Complaint narrative:
I obtained a personal loan that was to be for {$40000.00} through XXXX. Nationwide Loan Consultants searched for and presented this offer to me The agent for Nationwide, XXXX opened an email account in my name controlled by Nationwide to which I did not have access. They said this was " '' so I would not be inundated with spam in my own email ''. It appears that they represented that this was my email address to XXXX and that I was the one responding from the email address. 

I noticed that when deposited the loan was for more than discussed. Loan fees were already deducted. Soon thereafter more transactions with Nationwide occurred totaling 20 % of the loan amount. 

Since XX/XX/year>, the company has refused to answer multiple calls or emails requesting an explanation. The company has carefully avoided answering in writing per my request. 

Nationwide always indicated that all calls were recorded. If the CFPB obtains these recordings, they will have indisputable proof that Nationwide is engaging in deceptive business practices and told misleading statements about thier fees in order to get me to agree to the loan. This is why they have been evasive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
When making payments my current address & phone number are correct in their system. The system allows me to view payment schedule, make payments, and view all personal information. However, I can no longer request a loan, because Affirm refuses to delete my old cell phone number ( someone else has now ) & email address that has been deactivated ( four years ago ). When I called customer service, their representative thought I was trying to commit fraud, and refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I applied for a Bank of America credit card. Bank of America claimed that the application process will be a soft pulled. I subsequently found out that it was a hard inquiry. This was blatantly false advertisement with Bank of America causing a hard inquiry on my credit report. Im requesting that this hard inquiry be removed off 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 explanation
Consumer complaint received 2024-02-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony committed fraud in the original complaint Case # XXXX that was deceptively closed and never resolved because... 
1. I received NO REFUND despite the listed monetary award of {$1200.00} on XX/XX/XXXX. Synchrony closed this dispute by using unrelated purchases from XX/XX/XXXX and XX/XX/XXXX which were for lamp fixtures that I returned and had absolutely nothing to do with the XX/XX/XXXX storm door purchase. Synchrony awarded monetary damages for unrelated purchases that were returned. They committed another fraud XXXX. The XX/XX/XXXX Synchrony letter never addressed my original complaint of the fraudulent charges that were put onto my credit card. These unauthorized charges appeared on my XX/XX/XXXX statement. These charges were put onto my credit card without my authorization, knowledge, approval, my actual credit card or my presence. This is credit card fraud that was done by someone from the XXXX XXXX store and this needs to be legally addressed. 
3. Synchronys letter states that the dispute was resolved in my favor. This is incorrect since I received NO Refund from my XX/XX/XXXX storm door purchase of {$1200.00} ; they deceptively used unrelated purchases and returns to answer the complaint ; and they did not address the unauthorized credit card transactions on my XX/XX/XXXX statement. 
XXXX. The storm door purchase totaled {$1200.00} which should be the amount refunded to my Synchrony Lowes credit card immediately. All the supporting documentation was provided in my original complaint # XXXX. 
There is no excuse how Synchrony deceptively mishandled this complaint that was first filed on XX/XX/XXXX and 2 months later is still ongoing and unresolved. Synchrony has been dishonest and duplicitous in their communications with CFPB and with me.

See attached file for supporting documentation.

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 2024-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management has stolen my identity I don't have any contractual agreements with them. Nor do you have any written consent to furnish any information. You don't have permission to have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My wallet was stolen and used to get a credit card and buy and XXXX plane ticket. 
On XX/XX/2023. 
This was not me and as I have told American Express I have reported it to the police. 

XXXX XXXX has also been notified and has confirmed a fraudulent booking. 

I have been unable to get any help from American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XXXX of XXXX I received 4 cards issued by American Express Prepaid Card Management Corporation, XXXX XXXX XXXX XXXXXXXX. Website www.amexrewardcard.com. With a listed address of XXXX XXXX XXXX, XXXX, GA XXXX. 

Rewards cards we issued in the amounts of 3 X {$100.00} and 1 X {$50.00}. There is a balance that shows online and available for each of these cards. I have been told this card can be used at numerous retailers but it is declined at each retailer. 

I am currently unable to use the cards there is an expiration on these cards as of XX/XX/XXXX. 

Each of the retailers attempted accept American Express cards ( XXXX, XXXX ). 

I have been unable to get assistance or resolution from a team member, supervisor, or manager. Ref : Case # XXXX & XXXX. 

I am unable to get assistance as to why these cards are being declined at each of the retailers from American Express Prepaid Card Management Corporation even when following all published directions on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: IL

Complaint narrative:
Company reporting inaccurate information. Company not updating credit report in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX and 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 non-monetary relief