vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX XXXXfor 5 years this has always been my residence. 
I have never had an account with XXXX XXXX XXXX {$2100.00} I have never had an account with XXXX XXXX XXXX  {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently disputed the information on my credit report as being incomplete and/or inaccurate. I have received my results from the reporting agency that all information was complete and accurate and after I view my result I can see and prove that its still incomplete and/or inaccurate. I will provide to you what I have received from Experian after I ask for verification of accuracy. Its obvious that the reporting agency did not do a thorough investigation because they would have all the number and information to put in my file. The balances and incomplete on my report which leads me to believe that the agency did not follow the proper procedures. I ask that the CFPB investigate this finding and have the reporting agency provide documentation for each account that has missing information and is said to have been verified the 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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I've submitted written notices to Blackwell Recovery telling them that I was disputing the debt and it needed to be returned to the original creditor for me to handle. They have refused to do this and claim my rights to do this don't exist. I need them reprimanded for their business practices and the debt associated with my name returned to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an account to purchase a king size bed at a furniture store in XXXX XXXX Texas on XX/XX/2020. The company uses Synchrony Bank as the lendor. The company, XXXX was running a promotion that seemed very appealing. An 18 month promotion which was brief in the disclosure and was very misleading. I assumed that if I paid the amount in full in the 18 month promotion period, any outstanding balance would by that time be small and manageable. Instead, the company added a fat {$1500.00} dollar fee that they call deferred interest. In other words they were actually charging interest staarting on day one and it would all be due immediately after the promotion. I gave a XXXX XXXX dollar down initial down payment and was making monthly payments on a regular monthly basis until I had paid over XXXX dollars which was what the bed was worth. Their disclosure doesn't mention the total dollar amount of dollar payments. and does a very poor job of informing the potential buyer of the risks they take by falling for the gimmick promotion. Their 29.99 % interest is a whopper! I refuse to pay over {$6000.00} dollars for a bed worth about half of that. I sent a letter to their Florida Office and they refused to acknowledge me or reply to my complaint. I just keep getting emails saying that I need to pay up. I told them that if they want, they can send someone over to repossess the bed if they return the over {$3000.00} dollars I have already paid. They don't reply or acknowledge me except to threaten to report me to the credit bureaus.I already reported this to the credit bureaus and it is unresolved. As far as I'm concerned their promotion is a fancy deceptive trade practice! 
I regret having made the purchase. I have very good credit and now they seek to tarnish it. I am a senior citizen and it seems big companies are targeting us as easy prey to enhance their business and line their pockets. I have asked them to close the account but all they do is keep adding interest and creating a bigger balance. I already told them I will not pay unless we can make some kind of arrangement that will benefit both parties. I can send them another letter, this time by registered mail if I thought it would help. I don't know what to do at this point. I appreciate any help you can give me. thanks. 

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 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I receive anywhere from 5-8 phone calls a day from Comenity Bank . They call from a regular number once then they will call from an no caller ID number as if to annoy me with a barrage of phone calls. Ive tried to pickup and answer the call when no caller ID calls come through and no one is on the other line. These calls only happen when Comenity Bank is making numerous calls per day. I received a call today at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXm sure Ill receive at least one more call today. I feel threatened and harassed by this bank and their relentless calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America, XXXX XXXX and XXXX still harassed me about these accounts. Sent my personal info to another company to harass me for money not owed. These actions indanger my welfare and wellbeing of my family. Due to 15 USC 16G Law all negative items on my credit report are to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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. 

Account name : XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped 20+ plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped 20+ plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
this mortgage was foreclosed on XX/XX/2019 however Gateway mortgage group repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Contacted Customer Service XX/XX/2023 about a re-occuring charge on my account. I thought that the issue was resolved. However when I recieved my new statement for XX/XX/2023 I see that it was not. I also contacted the Vendor number listed on the card and attempted to cancell this charge. The Customer Service person that I talked to did not speak or understand English and I do not speak 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 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2023, I received a message from my sister asking if I could loan her some money. I was unaware that my sister 's account was hacked and this was actually a scammer. After the transaction went through I then realized that it was not actually my sister. I am a caregiver for my mom which keeps me busy, so I wasn't thinking real clear on this. I thought my sister was asking for help and I try and help when I can. As it turned out the payment went through PayPal, I put a stop payment on it as soon as I could but it had already gone through. I called my bank and left them know what was going on, I was told to take my banking account off of PayPal because each month they automatically withdrawal my statement amount from our checking acct. I did that and I also put a dispute in to PayPal but it came back as : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. 

I was then told to contact the fake acct person and ask for my money back, which I did but of course they are not responding back to me. 

Here is some info on this : You sent XXXX XXXX  to XXXX XXXX Transaction ID XXXX Transaction date XX/XX/2023 SENDER XXXX  XXXX RECIPIENT XXXX XXXX XXXX Money sent XXXX EUR = {$200.00} USD Fee {$4.00} USD Paid with : XXXX XXXX  {$210.00} USD I sent her/him a message : XX/XX/2023, XXXX XXXX  I want my money returned, I put a dispute and stop payment into PayPal. If the transaction already went through to you and you won't refund me then I can take legal actions. I know you hacked my sister 's acct to do this, I have all the messages to prove it. 

XX/XX/2023, XXXX XXXX  I haven't heard anything from you regarding this hacking scam transaction. You have not refunded my money, I am putting another dispute into PayPal and I am also contacting the police. 

I don't know what else I can do, I have tried to put another dispute into PayPal but it just keeps coming up with the closed status. 

I would appreciate any help you can give 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate personal information has been reporting on my account. I have sent letters informing credit reporting agencies to remove the inaccurate information and they haven't removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UPGRADE, INC.
State: OR

Complaint narrative:
I have a discrepancy with my account. I've had these questions before and have never been given a straight answer and had it always blamed on daily interest. 

Now I have proof they are not being straight with payments. Since I paid off my card and did not have a balance this excuse was no longer valid. According to my statement In the month of XXXX, I had a Previous Balance of {$780.00}, and the Interest Accrued in this Statement Period was {$9.00} which gave a total of {$790.00}. I paid a total of {$800.00} which should have given me a credit of {$4.00}. I have no credit and a balance of {$0.00}. I asked for my whole account to be audited and they have refused. There is something really wrong here and this company should be audited and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX  XXXXfor 5 years this has always been my residence. 
I have never had an account with XXXX XXXX XXXX {$2100.00} I have never had an account with XXXX XXXX XXXX  {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Account was sold/transferred from XXXX to Wells Fargo . According to the date the balance should have been paid with automatic payment before the transfer.

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