vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-10-01 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: OH

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding identity theft, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I have attached my FTC Identity Theft Report, along with my identification documents, for verification. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : Unauthorized Inquiry XXXX XXXX Date of Inquiry : XX/XX/year> Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

I request that all fraudulent information be blocked and removed as per FCRA 605B. Please provide me with an updated copy of my credit report once these corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Identification Documents

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 2024-10-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding identity theft, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I have attached my FTC Identity Theft Report, along with my identification documents, for verification. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : Unauthorized Inquiry XXXX XXXX Date of Inquiry : XX/XX/year> Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Identity Theft Fraudulent Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Former Name : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

Incorrect Personal Information Also Known As : XXXX XXXX Please correct and remove this from my credit report. 

I request that all fraudulent information be blocked and removed as per FCRA 605B. Please provide me with an updated copy of my credit report once these corrections have been made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Identification Documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I got a kays credit card I'm XXXX of XXXX. I was told by the salesperson that with their promotion, I would not have any interest for the first 18 months I had the card. She never said anything about having to pay off the entire balance or my interest would compound and be added to my balance. So I was quite confused when I had {$1500.00} of interest added onto my account. I called XXXXXX/XX/XXXX on XX/XX/XXXX and the person I spoke to said " yes I understand. They don't always explain the promotional things very well. They just try to sell the cards. '' Or at least something to that extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
end of XXXX I woke up with my checking account over XXXX in the negative. I live in XXXX tx. Wells Fargo let someone in XXXX Illinois charge over XXXX to my account for gas, utility bills, etc all in one night. filed a report, it took over 90 days to get my money returned causing my car to be repoed, evicted from my apartment with XXXX young daughers, and behind on my bills. wells fargo then returned my money but before i could get it they closed account and mailed in which I've yet to recieve. first they said 3-5 business days, called back wells fargo then said 7-10 business days. Its now been 2-3 weeks. I've since called back and they won't give me any information, explanation, nothing ....

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around mid XXXX 
( Please refer to previous complaints for time and dates. ) I was denied my right as a hard working small business owner, scraping by in one of the world 's worst financial crisis in history, my right as an XXXX to pay my credit card bill by the XXXX, XXXX XXXX, of the XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
branch of the wells fargo bank. 
I have tried over and over again to resolve this and all I get are frivolous phone calls from puppet employees who consistently apologize for an incident they deny ever happening. If they weren't wrong why do I get a litany of apologies from corporate then? I'm told they will take the matter up with higher ups and I never receive another phone call call with any kind of resolution. I'm being gaslighted into thinking they are helping me and nothing is actually getting done about the problem. Problem being systemic difficulties with leadership at this particular branch and many others for that matter. I'm feel I'm being targeted and discriminated against becuase of the many complaints iv filed with XXXX and simply becuase I'm poor and don't have the resources to fight back. Institutions like this prey on the poor and get away with treating us like mideveil serfs working the banks land. They know we are poor. They know we are so busy just trying to keep our basic needs met that we can't fight them. I will never stop fighting tyranny in the land of the free! I will not simply bow down and let these evil corporate systems walk all over me.

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 2024-10-01 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Wont let me create minimum affordable payment plan with XXXX interests although I am facing hardship though they promised to do it. They said I am not eligible for it. They said I need to let my account going behind which is absurd and interest are now more then XXXX dollors at month. Still cant find a solution with them although they are replying to my complain that they are offering assistant which they are not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, CA XXXX Employer - XXXX XXXXXXXX Employer - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, CA XXXX Employer - XXXX XXXX Employer - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
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 Tuition Answer To Whom it may concern : I am sending this letter in regard to the servicer referenced above to inform you all that I am disputing this debt.

Navient, please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because the amount is incorrect.

Since I am disputing this debt in question, do not report it to the three credit reporting agencies. If you have already reported it, I am requesting that you please contact the three credit reporting agencies, letting them know the debt is disputed, and kindly ask them to delete it from my credit report. As you are aware, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Lastly, please make notice that I do not wish to receive further telephone calls or letters, harassing me concerning this debt that is inaccurate. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your quick attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am inquiring to the reporting of XXXX that has been constantly reporting on my Experian report ..i reach out to XXXX XXXX XXXX and was mailed back infornation that XXXXXXXX XXXX XXXX does not report information to credit agency XXXX XXXX submit letters below ) violating of my FCRA right U.S.C2692c I Called /Wrote XXXX XXXX and they do not have any information on XXXX on my files I ask that XXXX be Deketed from My Experian Report

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 2024-10-01 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: Chime Financial Inc
State: CA

Complaint narrative:
In the middle of the night about a month ago, my account was broken into, either my Chime or XXXX, and multiple large purchases were made on my cards saved on the site. Nearly $ XXXX in transactions were made between XXXX XXXX in the middle of the night with money that I had saved as a graduate university student to use for rent and tuition. I even received an email during the time when those unauthorized purchase were made from XXXX saying that there was suspicious activity on my account and sending XXXX to malicious XXXX addresses, yet the merchant still let them keep purchasing more XXXX using my cards. I then filed disputes for these unauthorized transactions on XX/XX/XXXX, in XXXXour total disputes, XXXX on my debit card and XXXX for my credit builder card. I submitted plenty of evidence including my police report, my FBI cybercrime report, my report to the FTC, all the emails the merchant sent me detailing the purchases during the hours of XXXX or so and for amounts I would never think of spending such as a {$8800.00} purchase, the email showing them saying there was malicious activity, and answers to every question asked of me. Ive included some of that in the files below but Chime has much more detailed papers that Ive uploaded to their dispute portal. I uploaded this exact same evidence to all XXXX dispute claims, yet they were all just resolved this past week. The XXXX debit card claims were thankfully approved and shown to have unauthorized transactions. However, for some reason even with the exact same evidence and during that same period of transactions to that merchant as the approved claims, the XXXX credit card disputes, XXXX for {$1200.00} with ID : XXXX and XXXX for {$2100.00} with ID : XXXX. I dont understand how these claims could be denied while the other XXXX were accepted, with the exact same evidence, all XXXX should be approved or all XXXX denied, this is {$3300.00} as a broke college student that XXXX losing out on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX  i received confirmation from the DISPUTE RESOLUTION TEAM for a Vanilla gift card that my dispute packet was received. i submitted the dispute because of an unauthorized transaction on the card. 

on XX/XX/XXXX they emailed me : This is InComm contacting you about your gift card issue, XXXX. We have reviewed your claim and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : Front of the gift card and a copy of your receipt. Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns, please contact us at our customer service department, XXXX. If you are a XXXX XXXX XXXX customer, please contact XXXX. 

and i submitted the appropriate documents. on XX/XX/XXXX, i was sent : XXXX XXXX XXXX, This is InComm contacting you about your gift card ( XXXX ) issue, XXXX. Your card is being replaced via FedEx and will arrive in XXXX business days. We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns please contact us at our customer service department, XXXX. 

Activation Issue Fax Number : XXXX Activation Issue Email Address : XXXX Fraud Department Incomm Payments i have still not received a replacement card, and have reached out via phone, and email multiple times without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief