vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MY ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX  Time Any other times or methods like live calls or voicemails aint good for me Thanks for understanding Later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: MS

Complaint narrative:
After reviewing my latest credit report, I noticed several accounts that appear to have been added without my authorization and are inaccurate. I kindly request that these fraudulent accounts be removed and blocked from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. These accounts are not associated with me in any way, and their presence is unjustly impacting 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please help me and reach out XXXX if you have any questions I would love to speak with someone about this I am a man older gentleman that is not very aware or privy to the knowledge regarding this and I'm just really scared that someone's using my information. 

I have collections that I never occurred or signed up for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Also I have negative accounts on my personal credit information that I have never seen in my life : : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
Please help me and reach out XXXX if you have any questions I would love to speak with someone about this I am a man older gentleman that is not very aware or privy to the knowledge regarding this and I'm just really scared that someone's using my information. 

I have collections that I never occurred or signed up for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also I have negative accounts on my personal credit information that I have never seen in my life : : 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 explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XXXX ) XXXX XXXX XXXX : Comenity Capital Bank. 
XXXX ) XXXX XXXX : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone : XXXX XXXX ) Credit Card Name : Bread Cashback by XXXX XXXX XXXX Account Opened : XXXX 5 ) According Financial Institution, on XXXX was issued and suspended due to : " ... potential security concerns and/or irregular transactions. '' My credit card account was suspended.

6 ) The report of the investigation never was received.

7 ) By XXXX first statement was received for purchases of {$350.00} with due date : XXXX

8 ) On XXXX  my payment of {$350.00} was set by XXXX XXXX XXXX XXXX XXXX XXXX and delivered on XXXX according confirmation # : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: FL

Complaint narrative:
There are errors on my credit report related to unauthorized hard inquiries, which violate 15 USC 16c-2. Please remove them as they are negatively affecting my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: IN

Complaint narrative:
I just recently looked at my credit XXXX XXXX saw some hard inquiries that did not have permissible purpose.I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.I want to remove those on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XXXX. I restrictively indorsed the bill and sent them a letter asking them to transfer the positive values on the bill to my Principal After that, they left me alone for awhile. They kept the balance on my account, but said on XXXX that the account was in good standing, and I was never late on my bills A day after I disputed the account on XXXX, stating that the account should be paid already, they dropped my XXXX XXXX by XXXX points ( approximately ) On XXXX  I did another restrictive indorsement. This time I sent them a Notice of Claim of Interest- First attempt letter, telling the CFO to take the Principal Balance and transfer it to the Principal Account to set the account to XXXX, each and every billing cycle. This is a XXXX of XXXX. I also sent them another letter the same day that cites all the reasons why I can pay Bills of XXXX with my Principal Account They ignored me again, and dropped my XXXX XXXX again. 

Even their own credit card agreement says I can use restrictive words on the bill, but just to send it to a different address when i do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: VA

Complaint narrative:
Equifax allowed XXXX XXXX XXXX to report on my account for almost XXXX After I submitted Dispute under FCRA for Deletion. It's been since 2006 they have been yearly accepting data from a company I never done business with nor have an account. The XXXX soft inquiries are affecting my consumer financial stability & privacy of which I feel is a collection of sabotage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
When I looked at my credit report this morning, I was shocked to see inaccurate accounts listed. I dont understand how this happened. I routinely check my credit report, and this is the first time Ive noticed discrepancies. I tried refreshing my browser, hoping it was just a mistake, but the errors didnt go away. Im pleading for the documents I sent to be thoroughly reviewed so I can finally stop feeling so anxious about this.

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: OH

Complaint narrative:
I was just served summons from Discover bank ( today XX/XX/scrub>XXXX XXXX XXXX  ) about a credit card I owe them I have tried multiple times to reach out to their attorney office without any response. I was XXXX ot even able to get to leave a voicemail. I was previously paying XXXX XXXX to help me repay this debt but fell on hard times and my the money we now get is being used to repay people we owe. I believe XXXX and associates purposefully did not contact me and take me to court. This is very traumatizing to me as I have never been called to court before and this may negatively impact my future as I have a federal student loan for my current studies to help me be more prepared for my career where I will better able to repay the debt. I owed XXXX this was the only credit card I had and actually loved discover and also took out a personal loan with them. It now shows I owe them XXXX. I am not able to repay either unless in low installments as we are very indebted. I am a civil servant trying to obtain my teaching license in my present state. I am afraid this lawsuit may negatively impact me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no clue why theyre there. Ive always been diligent about reviewing my report, and everything was fine until now. Out of desperation, I refreshed my browser several times, thinking it might be a simple glitch, but the errors didnt go away. This situation is deeply upsetting, and Im pleading for the documents Ive sent to be examined carefully so this nightmare can end.

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 2024-12-18 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: MD

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WI

Complaint narrative:
I received an email from MOHELA stating that my student loans have been accuring interest during forbearance. I am on the XXXX plan, and according to the XXXX plan if you pay what you owe each month, your loans won't grow due to unpaid interest. My account has been put placed into foreberance and my loans have 0 % interested marked for them. I should not have interest accruing on my loans. The interest should be taken away as it should not be applied to my account that is under the XXXX place, in forbearance, and marked 0 % interest for my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2024-12-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Logged into my credit report history and saw those two inquiries from CBNA on my report that I did not authorize.

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 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Report wrong amount on my credit for the past few months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: UT

Complaint narrative:
Subject : Complaint Regarding Chimes Handling of Dispute for Illegal Transactions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chime Financial , Inc. regarding their refusal to address disputes related to illegal transactions on my account on both my Chime Debit Card and my Chime Credit Builder Card.

Background : The transactions in question involve payments to the merchant " XXXX XXXX XXXX '' for online gambling services. I recently learned that as a resident of Utah, such activities are strictly prohibited under Utah Code 76-10-1102, which defines gambling and makes online gambling illegal. These transactions are therefore unlawful under state law. 

Issue : Despite the illegality of the transactions : XXXX. Chimes Terms of Service explicitly prohibit transactions related to illegal activities, including gambling. However, Chime processed these transactions without preventing or flagging them. 


XXXX. When I attempted to dispute the transactions through Chimes dispute process, I encountered the following issues : Supervisors refused to investigate my claim. They stated that the transactions were authorized and as such they completly dismissed my concerns about their illegality. 

Repeated refusal to escalate or document denials. Supervisors declined to escalate my claim to a higher department and refused my request to provide me with a written explanation of their decisions.

Unprofessional behavior. My calls were disconnected from their end multiple times and representatives displayed a lack of understanding as to Chimes obligations regarding illegal transactions. 
My request for the chat logs and call logs from today XX/XX/year> were also denied instantly with out any explanation as to why. 


My Concerns : XXXX. Failure to Address Illegal Transactions : As a financial institution, Chime has a responsibility to ensure that they do not facilitate illegal activities. By processing transactions for gambling, which is unlawful in Utah, Chime has violated both their own Terms of Service and their obligation to comply with state law. 


XXXX. Failure to Follow Dispute Resolution Protocols : Chime refused to investigate or escalate my dispute despite my repeated attempts to resolve the matter. Their refusal to provide a written denial upon request violates consumer protection principles and leaves me without recourse to appeal their decision. 

XXXXDuring my interactions with the Chime representitives, I specifically requested chat transcripts and call logs for XX/XX/scrub>XXXX However, my request for these records was denied without any further explanation. I am deeply concerned about their lack of transparency in this matter. These records are essential for documenting my interactions and verifying the information provided by their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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