vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
The way the customary fee is calculated it's not a fee it's hidden interest ontop of the 24 % that I agreed too. The interest custermary fee looks to be in the naborhood of 300 % to 350 % Now I have had this for a while paid it of a couple times but jut over the last month really looked at my bill and seen this fee if I would have been told I was going to be paying a 300 % interest fee I would have not gotten it. I knew of the 24 % intrest. And what got me looking is I made a {$2000.00} payment and it didn't seem to make and real impacted to what I owed. And then the bill came in and I looked and didn't see any thing so I called and the people could answer anything about who the bill was figured or what the way the figured. So a few weeks later I got another bill I looked at it. And so happen to see something on the back it was fees and interest. 24 % interest and then thus fee that was in the naborhiid of 320 % which fluctuates from month to month like interest. I did agree to the 24 % but never to the 300 % interest fee

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
My Personal information and social security number was exposed and compromised in a data breach..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MA

Complaint narrative:
In reference to 15 USC 16c-2, my credit report includes unauthorized hard inquiries that are causing harm to my credit. I urge you to delete these incorrect entries.

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 2024-12-24 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 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: MN

Complaint narrative:
The following XXXX XXXX XXXX XXXX XXXX XXXX  accounts currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report are lost/stolen : XXXX and XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX are lost/stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: IL

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were initially removed but have been reinstated without my awareness. I have not received any notification or mail regarding their addition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
I am disputing the unauthorized hard inquiries on my credit report, which are inconsistent with 15 USC 16c-2. Please remove them to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinme Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I sold {$63.00} worth of $ XXXX to pay for a haircut. Ive never had a problem buying or selling crypto in the past with the company CoinMe but for the last month Ive been trying to obtain my {$60.00} from their ATMs and they have refused to help. They opened a case about my issue but have not responded in adequate time. They also dont have a phone number where customers can reach out to which I think is on purpose because they previously had a number. The CEO is unreachable and Im starting to think this company is a scam they were using the XXXX XXXX XXXX  on their ATMs and they switched to XXXX ever since they switched to XXXX these problems have occurred. I live two blocks away from two XXXX XXXX and neither of them work which means I have no clue which XXXX  XXXX  in my area works and the next one is almost XXXX miles away. 

The process for selling your crypto and picking up your money should be as fast as buying it. Im still waiting for them to release my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are accounts on my credit report that I did not authorize, which may be linked to identity fraud. I request that these accounts be blocked and 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-12-24 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: MA

Complaint narrative:
Ive identified hard inquiries on my credit report that I did not authorize. Under 15 USC 16c-2, this information is inaccurate and must be corrected by removing the 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
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that appear to have been added without my authorization. I request their immediate removal as they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CT

Complaint narrative:
On or around XX/XX/year>, Discover Credit Card Company closed my account without my consent. The company claimed that I consented to this closure, but I categorically deny providing such consent. I was an account holder in good standing for over 10 years prior to this incident.

I believe this closure was a retaliatory act by Discover following a prior complaint I filed with the Consumer Financial Protection Bureau on XX/XX/year>. That complaint was related to a billing dispute with Discover. Despite my longstanding history as a customer, the abrupt account closure occurred shortly after my prior CFPB complaint, raising concerns about Discovers practices. 

I have attached supporting documentation, including Discovers XX/XX/year> account closure notice and their response letter to my earlier CFPB complaint dated XX/XX/year>. I request an investigation into Discovers actions for potential retaliation and wrongful account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 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: MA

Complaint narrative:
I am writing to address errors on my credit report involving 15 USC 16c-2. The listed hard inquiries were not authorized by me, and I request their prompt removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
TO Citi Bank Reference : Roll back for all credit paid off on Citi Rewards + Master Card XXXX. 

Recovering from XXXX XXXXXXXX, I want to get back to the workforce by posting my resume on XXXX. 
As usually, I was approached by email with a job offer by XXXX XXXX XXXX, a presumed hiring Manager of the Company XXXX XXXX XXXX. He put me through a job interview and hired me as a Customer Service Representative in a meeting on XXXX XXXX platform. 

After I have accepted and signed the XXXX XXXX XXXX, the next day of our meeting, he offered to pay off all my credit cards balance as stated on the XXXX XXXX XXXXXXXX, as the way to let me use my cards to purchase for my work equipment. 

He gave me routing and bank account number and the bank name to use to pay off all my credit cards. I did and reported to him with all the payment confirmations numbers. After that he directed me to use my cards to purchase XXXX and XXXX to send to their software manager for software installation. As the available balances can not be enough for the equipment, he wanted me instead to purchase XXXX gift cards to allow him to make arrangement with the company software manager and vendor. I did purchase those gift cards with my XXXX XXXX XXXX card and Citi Card, and also {$2000.00} borrowed from my wife. All the conversations and details are on the pdf attached to the letter. 
In summary, all the clear details are on the pdf from the bank account to some scammers names. 

Now my concern is how you facilitate the system for him to roll back the money without any warning to me. Without any investigation. 
I am the one who call to paid off the card and for refueling for another purchase with this bank information. Before any cancellation you need to contact me first to know what about. If it was any criminal act, you got the right to pursuit me. 
This is not fair to help somebody to steal from me with your help. 
Kindly, I recommend Citi Bank to open a criminal investigation on this bank account, given to me to paid of my credit cards, and afterwards let me refuel the card to deepen my debit. You need to let the FBI be involved to get to the bottom of this. You can not easily put this financial burden on me. 

Secondly, I recommend you stop any collection action again me, and late fees, until we get the whole fact ; and restore my credit card to the balance it was, before you roll back the credits. 

Looking forward to hearing from you, P.S.-XXXX XXXX XXXX, XXXX of all the conversations of the presumed hiring manager of XXXX 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 monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
TO Discover Credit Card Reference : Roll back for credit paid off on Discover CardXXXX Recovering from XXXX XXXX, I want to get back to the workforce by posting my resume on XXXX 
As usually, I was approached by email with a job offer by XXXX XXXX XXXX, a presumed hiring Manager of the Company XXXX XXXX XXXX. He put me through a job interview and hired me as a Customer Service Representative in a meeting on XXXX XXXX platform. 

After I have accepted and signed the XXXX XXXX XXXX, the next day of our meeting, he offered to pay off all my credit cards balance as stated on the XXXX XXXX XXXXXXXX, as the way to let me use my cards to purchase for my work equipment. 

He gave me routing and bank account number and the bank name to use to pay off all my credit cards. I did and reported to him with all the payment confirmations numbers. After that he directed me to use my cards to purchase XXXX and XXXX to send to their software manager for software installation. As the available balances can not be enough for the equipment, he wanted me instead to purchase XXXX gift cards to allow him to make arrangement with the company software manager and vendor. I did purchase those gift cards with my XXXX XXXX XXXX card and XXXX XXXX, and also {$2000.00} borrowed from my wife. All the conversations and details are on the pdf attached to the letter. 
In summary, all the clear details are on the pdf from the bank account to some scammers names. 

Now my concern is how you facilitate the system for him to roll back the money without any warning to me. Without any investigation. 
I am the one who call to paid off the card with a bank account information. Before any cancellation you need to contact me first to know what about. If it was any criminal act, you got the right to pursuit me. This is not fair to help somebody to steal from me with your help. 

Kindly, I recommend Discover Card to open a criminal investigation on this bank account, given to me to paid of my credit cards, and afterwards let me refuel the cards to deepen my debit. You need to let the FBI be involved to get to the bottom of this. You can not easily put this financial burden on me. 

Secondly, I recommend you stop any collection action again me, and late fees, until we get the whole fact ; and restore my credit card back to paid off, as it was, before you roll back the credit. 

Looking forward to hearing from you, P.S.-XXXX XXXX XXXX, XXXX of all the conversations of the presumed hiring manager of XXXX XXXX XXXX with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
When had an auto loan with credit acceptance, our vehicle was total, after insurance paid and gap insurance paid I owe XXXX XXXX When I talk to credit acceptance we had an agreement to paid XXXX $ a month until its paid off because I had to get another auto loan. A month later I got a 30day late payment and when I called them they told me even though I paid XXXX $ a month I still owe the remaining balance making my credit go bad and not explaining to me how all this work.

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 2024-12-24 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:
I found hard inquiries on my credit report that I did not approve, which violates 15 USC 16c-2. This is incorrect and needs to be addressed by removing them.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed some errors in my credit report during my review. The late payments listed are not consistent with my payment history. I request that these inaccuracies be corrected and my account updated accordingly.

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 2024-12-24 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: PA

Complaint narrative:
I noticed some errors in my credit report during my review. The late payments listed are not consistent with my payment history. I request that these inaccuracies be corrected and my account updated accordingly.

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 2024-12-24 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: NV

Complaint narrative:
I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX ; for XXXX XXXX XXXX. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. 

On XXXX I received an encrypted email from TransUnion stating that the inquiry will remain on my credit report for two years. Therefore, I sent out a 2nd inquiry removal letter. The letter includes my rights as a consumer etc ( 15 USC 1681 ). 
Note : For days now, I have been trying to request for an re-investigation on the TransUnion dispute website ; there are no button options to access.

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 2024-12-24 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: MA

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 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 2024-12-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX Resurgent Capital Services, L.P.Compliance Department XXXX XXXX XXXX XXXX XXXX Subject : Fraudulent Account Dispute for ( Balance : {$38000.00} ) Dear Compliance Department, I am writing to dispute the above-referenced account, which was fraudulently opened using my identification without my authorization. The perpetrators utilized my previous address to conduct these fraudulent activities, resulting in damages to my credit profile. I have filed a police report, an FTC Identity Theft Report, and a notarized affidavit affirming that I am not responsible for this account. I demand that this account be removed from my credit report immediately. Failure to comply within five ( 5 ) business days will result in legal action, including reporting your company to authorities for its role in perpetuating harm through inaccurate reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation