vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 non-monetary relief
Consumer complaint received 2024-09-05 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 2024-09-04 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: WA

Complaint narrative:
Upon checking my credit report, I have discovered fraudulent account on my credit report, these fraudulent accounts are XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX and XXXX with account number XXXX, please remove these fraudulent accounts, as they are not mine

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 2024-09-04 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: NY

Complaint narrative:
This is absolutely distressing to know that my rights as a consumer is being violated. I value my credit score a lot and the errors on my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting disregarded and ignored in correcting these errors and my concerns regarding the inaccuracies on my credit report which has been stressing me out as my new credit applications are being denied because of these.

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 2024-09-04 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. 


I told XXXX and Equifax to reinvestigate these accounts : XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX accounXXXX XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I recently applied for a XXXX XXXX XXXX XXXX and Comenity Capital Bank sent me a letter stating that my account was frozen for security purposes and listed XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX as the XXXX credit agencies to contact to lift the freeze. I contacted each of the agencies and they said there is no freeze on my credit report. I contacted each agency on XXXX after receiving the letter. I called Comenity to tell them that the agencies showed no freeze, so they processed the application again and said there still was a freeze but could not tell me which agency was freezing the report. I contacted each agency again on XXXX and was told the same thing. I called Comenity back again and was on hold for at least 30 minutes while the agent and another department reviewed my application was told the same thing. My XXXX report show that Comenity/XXXX  obtained a copy of report on XXXX, and my credit score dropped by XXXX points because of the hard inquiry. I should not have XXXX points deducted from my credit score for information obtained and not used. I feel this is a discriminatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: WI

Complaint narrative:
I need your help with an incorrect account listed on my credit report, which has negatively affected my reputation. Your mistakes in managing my credit report have caused significant harm, and I urge you to remove these mistakes to allow me to live peacefully 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 2024-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This claim involves a moving company going by the name XXXX XXXX XXXX in XXXX, XXXX area of XXXX. While I admit initiating business with this merchant and paying a {$100.00} deposit fee on Capital One Card, that was the entire scope of business with this merchant on my Capital One account, even though I was later fraudulently charged. I accidentally disputed the for the wrong amount, the true amount is {$0.00} as the payment had been received via my XXXX XXXX XXXX in the amount of {$820.00}. 

In addition that Merchant did engage in the following : WAS FALSELY CHARGED A TOTAL OF {$370.00} FOR " GAS AND TRAVEL SURCHARGES '' AND THAT I DID NOT APPROVE OR AUTHORIZE FOR A MOVE THAT WAS LESS THAN HALF A MILE AWAY. 

MY SIGNATURE DOES NOT MATCH ON THE CONTRACT. THE ONLY THING THAT I AGREED TO WAS A VERBAL COMMITMENT TO AN HOURLY RATE OF {$250.00} FOR 3 MEN, THEY SENT 4 MEN AND CHARGED FOR AN HOUR AND A HALF FOR A JOB THAT TOOK AN HOUR TO COMPLETE., AND CHARGE NORTH OF {$440.00} FOR NEBULOUS CHARGES, THEY ALSO STOLE OR LEFT BEHIMND MY {$300.00} MINI FRIDGE AND DAMAGED SOME OF MY BELONGING. I WITNESSED/ EYE WITNESS THEM THROW AND MISHANDLE MY PERSONAL PROPERTY RIGHT IN FRONT OF ME -- -VERY WILD!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
This was a payday loan was defaulted on. A payment plan was reconciled over the phone with a Rep., not certain who that person worked for...

I log-in, make a payment, simultaneously they send through an ACH payment through my XXXX account. This company needs to audited or something. They tell consumers that no direct payments can be refunded, and gave me their word that the ACH payment will be refunded after 3-5 days. That did not happen.

Instead, they tell me that the dates of the pre-payment have been met and they can't refund anything now. Then when I contact a Supervisor about the matter, this person doesn't even work for the company, but with a website called XXXX XXXX  And I didn't get any copy of the pre-payment plan, apparently it was negotiated back in XXXX of this year. We are now arguing the matter in the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, I applied for a line of credit with Barclays Bank. A hard pull on my report was made and I did not receive the credit line. 

Pursuant to 15 US CODE 1681 ( n ) this hard pull needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management has placed an unlawful and improper collection on my credit report, in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, they have failed to provide direct verification or proof that the account in question is mine. Specifically, I have asked them to produce a copy of my ID, the promissory note, and my signature that would confirm I received the loan, but they have not complied. I have filed several disputes, all of which were verified through XXXX without any proper investigation. I am now demanding that the account be removed from my credit report and that all collection activities cease immediately. Account VIOLATES FCRA LAWS and TEXAS FINANCE CODE. Account is past TEXAS SOL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
Im not sure what went wrong. I have repeatedly mailed letters to the credit bureaus but have yet to receive a response. My name is XXXX XXXX, and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
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.

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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I paid for a prescription at XXXX ( store # XXXX ) for {$11.00}. This was paid via XXXX XXXX which is tied to my Citibank checking account/debit card. At the time of checkout, I noticed another transaction come through from XXXX for {$820.00}. I immediately questioned the cashier ( XXXX ), who said there wasn't a record or log of that transaction on her register. I asked to speak with the manager, XXXX XXXX, who searched the register log and was unable to find a record of the transaction. I immediately contacted Citibank via phone to dispute the charge. This was at approximately XXXX XXXX  on XX/XX/XXXX. Citibank opened a claim case, XXXX. I explained to Citibank that I had not made this transaction. I received a letter from Citibank dated XX/XX/year> that my claim was under review. I later received a letter from Citibank dated XX/XX/year> declining my claim. I then called Citibank to dispute and they said they would review again. On XX/XX/year> I received another letter from Citibank again declining my claim. Since then I have called XXXX and they said they are not responsible. I also called XXXX on XX/XX/year> and was given case number XXXX. I was told they would review it, and to this day, there is no resolution. On XX/XX/year> I received another letter from Citibank declining the claim. I am attaching as a backup a screenshot of my checking account 's XXXX statement highlighting the {$11.00} transaction and the erroneous transaction for {$820.00}. I am also including copies of all the correspondence with Citibank. I did not make this charge/transaction with XXXX on XX/XX/year> for {$820.00}. I am at a loss on how this happened and why neither Citibank nor XXXX can resolve this. I have been an account holder with Citibank for over 18 years and have never disputed any charges. I hope you can 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 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
I originally took out a loan with Regional Finance, a second-hand loan company. The original loan amount was XXXX and later on I added XXXX, which totaled my loan to be around XXXX. I started paying on this loan around 2019, and it was supposed to be for 60 months at a 33 % rate. I made several payments on this loan, more than what I borrowed from this company. I know the interest rate was high, however, I never knew it would cost me twice as much. I then contacted the company to explain my concerns, but never got a direct answer. The only answer that was given was, " We are short-staffed and whoever did your loan did something wrong ''. I was told that after 12 months I could refinance the loan for a lower interest rate, well I did and that was false. Needless to say, I continued paying on the loan, but recently I fell on hard times and tried to refinance once again for a lower interest rate, along with wanting the company to explain to me why the loan balance was not decreasing. The company replied, " You have paid more on this loan than you borrowed '' SO the company tried to refinance once again, and this time they did, however for a new loan in the amount of XXXX. I am trying to figure out, how did they get that figure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.

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 2024-09-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : 1. XXXX  Account Number : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief