vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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.

The letters are stated with items and issues.

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
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RFNA, LP
State: AL

Complaint narrative:
Need debt information on loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I did not take out a credit card with Synchrony bank nor have I lived in Indiana, this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I received an email from Edfinancial Services which is not my lender but sent me an email that they are. ( I was confused and checked this later as I had just woken up but also remembered an email some months ago that my lender had recently changed. ) As I did not remember my password and login information I was asked for my social security and birthday. They were unable to find my account but it was then that I checked who my lender was and it was in fact not Edfinancial, I believe this to be a scam in which they are gathering information and would like to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX of 2023 Wells Fargo has a loan called flex loan no credit check to obtain the loan. today I received a message stating I open a new credit card account and I didnt. my credit report is still showing 100 % still need to b paid whn a payment was made on XX/XX/XXXX. I Was not aware of WF putting the {$500.00}. loan on my account.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
SBNASELFLNDR has submitted False Documentation stating the Account is Negative since XX/XX/, but the account is closed and it is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to remove it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I called Citi about a credit card statement that I inadvertently forgot to pay. The balance was {$97.00} on that statement. I paid for a {$5600.00} insurance policy the next month and when the statement came due, it had a {$100.00} interest charge. There's supposed to be a grace period on my XXXX insurance policy, but for some reason the interest from the {$97.00} statement is being applied to the entire balance. This is predatory and totally unfair. This is a backdoor way to have 1200 % yearly APR. Second issue is that the rep that I was transfered to just closed my account as I was asking questions. I wanted to know how my points would be accessible and if and how refunds would be posted. I did not intend to close that day as I had a large balance of points incoming and a few refunds and wanted to make sure my payment would post and I would still have access before closing but the rep didnt listen to me and went ahead and closed it. XXXX is the last rep I spoke to and he informed me that someone could listen to the recording and reopen the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: 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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is my second complaint with this company. Its so incredibly frustrating to try to make an online payment and EVERY TIME I try I am told my account is not recognized. I try resetting my password, still wont work. I have been charged late fees and even had my credit limit reduced because of this. It should take 30 seconds to log on every month and make a payment. I do not have time EVERY MONTH to try to reset passwords and user names just to make a payment and even when I do this it still doesnt allow me to log in. Ive tried the option of pay faster without signing in which is a joke because I input my entire account number and it says not recognized! I know for a fact this is affecting others because my husband has the same issue and so does my mother in law. The last time I complained the company did refund my late fees, which is great, but they didnt fix the problem!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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 2023-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I have been trying to make my mortgage payment of {$570.00} for XXXX. The mortgage company, Mr Cooper, will not take my payment. I keep being told that they did not receive my mortgage for XXXX and XXXX but they did. On XX/XX/XXXX I called and spoke to XXXX. XXXX stated that XXXX and XX/XX/2023 payments were not received ; therefore, she could only accept a {$1800.00} payment for my XXXX mortgage. My mortgage is not {$1800.00}. It is {$570.00}. I advised XXXX that the payments were made. I followed up with the email showing the XXXX and XXXX proof of payments from my bank statements. XXXX said to call back and I would be able to make the XXXX payment once they verified these. On XX/XX/XXXX I called again and spoke to XXXX. XXXX confirmed that the XXXX and XXXX payments were received ; however, they were not keyed into the system yet so XXXX screen would only allow her to take a {$1800.00} payment. I asked to speak with XXXX since I had received an email that she was working on my account. XXXX said that XXXX was on another call, but that XXXX would call me back as soon as she was off her call. I received no call back. I sent a follow up email XX/XX/XXXX again explaining that I am trying to make my mortgage payment. On XX/XX/XXXX, I called and spoke with XXXX. XXXX stated the XXXX and XXXX payments were not made. I was put in contact with the supervisor XXXX. XXXX talked about several dollar amounts. I stated that I needed to simply make my XXXX payment of XXXX. XXXX said he could not take my payment. XXXX said my XXXX payment had not been made. I explained to check the records and then sent XXXX an email showing the proof of payment. XXXX would not acknowledge the proof of payment that is in front of his eyes and began talking in circles. I said that I was confused and to please put in writing what he was trying to explain, as I am worrying that I may need an attorney. XXXX said that MrCooper will not send me my loan information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/23 I maid a payment in full to my Ulta Beauty Credit Card ( Comenity Capital Bank ). My account had a previous balance of {$170.00}. I made that payment in full expecting no more fees or payments on this card. Unfortunately, on XX/XX/ they charged me a " minimum interest fee '' instead of the regular interest charged. My billing statements show this as a " Fee Charged '' instead of " Interest Charge '' Every month after that, they have charged a " minimum interest fee '' plus a late fee because of this hidden fee that I did not know to pay. This morning ( XX/XX/ ) I received and email from them telling me my account was delinquent and that I need to pay the card. I called their customer care number and ended up paying the card again which had accrued a balance of {$30.00} in the last 3-4 months from " minimum interest charges and late fees ''. I also asked them to close my account. They did tell me I need to check my account again for any interest they may charge in the meantime. 

This " minimum interest fee '' had not been charged on any statements prior to paying off the full balance on my card. 

Comenity Capital Bank is charged me interest fees despite the card being paid in full. I do not want to do business with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There is not proper information on my credit report. I have sent the ID theft information several times with no removal. I have enclosed the proper information from removal.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I check my XXXX  After revising my credit report about late payments. 


On XX/XX/, I sent out letters to KickOff Lending to remove transactional history from their systems and other third parties. 

KICKOFF LENDING LLC ACCT : 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed an identity theft on one of my accounts and after the investigation was over with no changes to the item i was disputing about they lowered my SCORE XXXX Points!!! Plus they keep the item on my 3 credit reports with no changes.

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 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accurate information on my credit file.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian regarding my credit report. They made it difficult trying to access it and when I spoke with XXXX ( a supervisor ), she gave me an even harder time.I was able to log in and it sent me directly to experian boost. Even though I was able to sync my bank account, it still showed " Update now '' and it would not let me pass it.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to address the presence of fraudulent personal information and unauthorized inquiries associated with my identity. It has come to my attention that certain accounts and transactions have been falsely attributed to me without my consent or knowledge, causing significant distress and concern. I have taken immediate action to report this incident as I am a victim of identity theft. 

I emphasize the importance of rectifying this situation promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide any necessary evidence and, if required, pursue legal recourse to safeguard my rights and seek appropriate compensation. 

I greatly appreciate your prompt attention to this matter and the resolution of this unfortunate situation.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out to address the presence of fraudulent personal information and unauthorized inquiries associated with my identity. It has come to my attention that certain accounts and transactions have been falsely attributed to me without my consent or knowledge, causing significant distress and concern. I have taken immediate action to report this incident as I am a victim of identity theft. 

I emphasize the importance of rectifying this situation promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide any necessary evidence and, if required, pursue legal recourse to safeguard my rights and seek appropriate compensation. 

I greatly appreciate your prompt attention to this matter and the resolution of this unfortunate situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
Buckles & Buckles and XXXX. I was in hospital during covid. My wife talked to XXXX  because of their continual phone calls. My wife asked XXXX to quit calling our phone on a daily basis as I was in the hospital she couldnt visit and the doctors were calling her on our home phone daily with staff of 5 specialists to give permission for procedures required to save my life. 
During the time since XXXX XXXX the following documents with headier ; State of XXXX XXXX XXXX XXXX XXXX XXXX signed only by associates, 4 summons received Alternative service by certified mail, XX/XX/XXXX XXXX inches of XXXX documents that I cant read, seperate XX/XX/XXXX XXXX pages support of motion document, XX/XX/XXXX plan of motion for summary disposition and judgment complaint, XX/XX/XXXX proof of service, XX/XX/XXXX no date court breach contract, XX/XX/XXXX notice of hearing date to be set by XXXX XXXX XXXX XXXX 
I sent a letter in response to Buckles and Buckles and to the XXXX XXXX XXXX XXXX next Day received on XX/XX/XXXX to no avail. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no money, only income SS, XXXX Etc. I was intimidated harassed, Buckles & Buckles misrepresented themselves as state of Michigan courts excessive documents but they are a debt collector trying to collect a DISPUTED debt by me in writing. documents received are purposely meant to intimidate, fear, and wife at home during lock down State of XXXX. last document received May no date a Judgment civil State XXXX XXXX XXXX XXXX XXXX. Hearing XX/XX/XXXX XXXX ORDER OF JUDGEMENT, summary disposition, the amount and 13 % interest accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I noticed my accounts had been compromised by a thief in another state and {$29000.00} had been stolen from my account, I disputed this case 3 times with accurate evidence and the bank constantly denies the dispute being that their are over XXXX transactions, the bank would finish the dispute before 10 business days without any answers to why theyve made their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute on my Equifax Consumer Report several times. The dispute consisted of an incorrect account number, inaccurate outstanding principal, and incorrect furnisher address. See attached XXXX XXXX statement that reflects the correct outstanding principal, the correct address, and the correct Loan Number. The redacted Equifax CRA report shows 1. XXXX XXXX incorrect account number 2. XXXXXXXX XXXX incorrect address 3. See the accompanied XXXX XXXX statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I have attached an FTC report with fraudulent unauthorized inquiries

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