vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have notified XXXX XXXX XXXX  of fraudulent activity regarding a credit card opened back in XXXX of XXXX. They never closed the account and the thieves still used the card. I called again in XXXX due to increase on the credit report so they were still using the card. XXXX XXXX XXXX  assured me the account would be closed ( because they failed to due so ) and would notify the Experian Credit that this was a fraud account. Experian will not clear this and has drastically reduced my credit rating. I filed three disputes regarding this with no answers. I have done everything Experian and XXXX XXXX XXXX  requested and filed a report with the government identity Theft. I froze my accounts and enrolled in Experian membership and locked my credit. XXXX XXXX still allowed use of this fraudulent account. I am getting no resolve from Experian except to ruin my good credit history. I went from XXXX to XXXX due to this dispute, Please help me stop experian from ruining my credit.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I opened an account with Current a few months ago and was using it as a secondary bank account. Last week I logged into my account via the Current app and noticed that a message was in my account stating that my account was under review without any further explanation. For the past week I havent been able to use my account at all and despite making numerous attempts to find out the reason for the account review, I was given no explanation. Earlier today I received an email from Current customer support informing me that my account has been permanently suspended and that the decision to do so is final and can not be appealed. In addition to losing access to the account, I also have had a dispute related to XXXX unauthorized transactions that were made using my account that has been pending for the last XXXX weeks with no update. I strongly believe that my account being permanently suspended is a direct result of my dispute and is essentially penalizing me for having been the victim of debit card fraud. The email that I got explaining that my account has been closed did mention that any pending disputes are still being investigated and if the outcome is in my favor then I will receive a check for the dispute total in the mail to my address on file however I have XXXX confidence at this point that Current will provide me with a fair dispute investigation that will lead to the recovery of the funds that were taken from my account without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Dear ( Midland Credit Management ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XX/XX/year>, and XX/XX/year> ). I dispute the validity of this debt and request that you immediately cease all further communication with me regarding this matter, as authorized by 15 U. S. Code 1692c ( c ) .According to the Fair Debt Collection Practices Act ( FDCPA ). Please provide validation of the debt, including the name of the original creditor, the amount owed, and any documentation that supports the validity of the debt, as required by the FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-09 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime has a feature called MY PAY which I have used before. I always pay them when my direct deposit hit the bank. The loan get pay and the fund are available right away for me to borrow again. This time around I got paid they took tge {$500.00} and my available balance is {$180.00} and they decreased my loan to {$420.00} with no explanation. I call the company to get an explanation and all I get is that is an automated system and the cant control it. This is not fair for the consumer I lost my pay check and they shorted me on the cash advance, I have screenshots of everything. Now my bills are late and short on money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-01-09 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: NV

Complaint narrative:
XXXX XXXX XXXX Placed on my credit report a debit for {$980.00}, this dropped my score over XXXX. 
Then placed on my account another debit over {$2500.00} and this hurt my score over XXXX. I disputed it and that was removed from my credit report for a reason. 

Months ago I called and requested for proof of debit again and this would be my XXXX time. I asked for proof that they have obtained my Medical Files. 

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have XXXX accounts. 

So since I remember disputing XXXX and XXXX was deleted from my credit file, it shouldn't still be an issue but it is and now it's XXXX. 
I asked again for all XXXX account numbers. 

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts. 

So for this complaint I am reporting XXXX accounts, XXXX was REMOVED FROM MY CREDIT FILE and XXXX is still there and also this other account. 

XXXX or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report XXXX XXXX on my credit files. 
This same complaint will be sent to Transunion, XXXX and 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 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
About a year ago Synchrony changed their policy and started billing for paper statements. They said that you could sign up for text/email alerts and I tried doing that, but got an error message saying : " Oops... 
Unfortunately we are experiencing technical issues on our end. Please try again later. 
If your account is not registered, please return to Account Manager to register your account. '' They have been having these technical issues for over a year. I just tried again and that's the message I got. 

I'll bet you a nickel they've had a huge increase in late payments and interest in 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 2025-01-09 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: PA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Experian regarding unauthorized credit inquiries that have appeared on my credit report. Despite my efforts to resolve this matter directly with Experian, the issue remains unresolved. 

The following unauthorized inquiries are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my knowledge or consent and are fraudulent. I have provided Experian with all necessary documentation to demonstrate that I did not authorize these inquiries, and I firmly believe they are the result of a data breach. 
It is important to note that my credit profile was frozen at the time these inquiries occurred, further underscoring that I could not have authorized them. Despite this, Experian has failed to take appropriate action to remove these fraudulent inquiries from my credit report. 
Experian 's refusal or failure to investigate and resolve this issue has caused me undue stress and potential damage to my credit profile. I am requesting that the CFPB investigate this matter and ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) by removing these fraudulent inquiries and improving their processes for handling consumer disputes related to unauthorized activity. 

Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust the CFPB will act to hold Experian accountable and protect consumers like me from unauthorized and fraudulent credit reporting practices. 

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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Unauthorized charges on CITI credit card. 
Charges : {$360.00} XX/XX/XXXX - XXXX : Disputed XX/XX/XXXX Security Credit issued XX/XX/XXXX {$54.00} XX/XX/XXXXXXXX XXXX XXXX Disputed XX/XX/XXXX Security Credit issued XX/XX/XXXX {$2700.00} XX/XX/XXXX XXXX XXXX Disputed XX/XX/XXXX NO CREDIT ISSUED

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 2025-01-09 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: WY

Complaint narrative:
in accordance with the FCRA ( Fair Credit Reporting Act convergent account UPSTART LOAN OPERATI has violated my rights.

15 U.S. code 1631 ( 2 ) ( 41 ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.

15 USC 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information 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 2025-01-09 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: GA

Complaint narrative:
I was affected by XXXX and Experian data breach. My information was hacked and leaked. This Credit reporting agency is in violation of FRCA laws. 

According to FRCA 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after date of receipt. 

1681g ( a ) 1 Information on files, source, reporting receiptents. 
_Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer ; ( 1 ) All information in the consumer 's file at the time of request. This agency in violation of not being able to supply what you have on file to verify the following accounts : XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX  ( acct # XXXX ) XXXX XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX XXXX ( acct # XXXX ) XXXX XXXXXXXX XXXX acct # XXXX ) XXXX XXXX XXXX acct # 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 2025-01-09 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-09 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
Full Name : XXXX XXXX Date Of Birth XXXX Social - XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian block information appearing on my consumer credit report that is the result of identity theft and fraud.

Within 4 business days of your receiving this request, block the fraudulent, inaccurate, and false information, which consists of a personal loan opened at XXXX XXXX on August 30th, 2022, under the account number XXXX. 

In addition, block information regarding a fraudulent personal loan account opened at XXXX XXXX on XXXX account number XXXX. 

The unauthorized accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that all the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 

For additional evidence of fraud, I can provide a copy of the FTC Identity Theft Report, a police report related to this case, and proof of my identity. All communications and responses regarding this CFPB complaint are to be sent to me via email at 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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My bank froze my checking account due to their suspicion that I tried to deposit a fraudulent check. I now have XXXX access to the money I need to pay my bills and purchase food. The check was written by my mother as a XXXX present.

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 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
Through my XXXX XXXX XXXX and XXXX XXXX notifications, I got emails ( on XX/XX/XXXX ) that I had a new account in collections from XXXX XXXX which I have never used. This must be a result of identity theft I have been dealing with for XXXX months now. I only know the information that is available to me in my credit report and that includes that the account was opened on XX/XX/XXXX with XXXX XXXX and is now in the hands of Harris & Harris , LTD for a balance of {$480.00} ( last reported XX/XX/XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief