vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX # XXXX LATE PAYMENTS XXXX XXXX  # XXXX ONE LATE PAYMENT XXXX # XXXX XXXX XXXXXXXX XXXX FOR {$3400.00} XXXX XXXXXXXX # XXXX FOR {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FOR {$3300.00}

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 2023-02-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

XXXX XXXX # XXXX LATE PAYMENTS XXXX XXXX # XXXX ONE LATE PAYMENT XXXX # XXXX XXXX XXXXXXXX XXXX FOR {$3400.00} XXXX XXXX # XXXX FOR {$8300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX FOR {$3300.00}

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern, This is a formal complaint against Experian. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. On XX/XX/23 I pulled my credit report only to realize it was furnished with erroneous & unverifiable account ( s ). I began my process of disputing these unauthorized and fraudulent reports on credit report with Experian on XX/XX/23. 

Currently I have one hard inquiry on my credit report which I did not recognize and did not authorize for it to be furnished on my credit report. Despite my efforts to resolve this unfortunate nightmare Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. 

I am well aware of several other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. 

As previously stated, this company is reporting erroneous, derogatory information about me which is killing my credit & my Professional image. Therefore, my only wish is to have them permanently remove the inaccuracies that Ive disputed from my credit file immediately. 

Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

Thank you, 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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
made my proper payments to XXXX  credit card for the month of XXXX and XXXX someone that works for XXXX  credit card services was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments i realized in XXXX that the payments i made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was i never late on my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 XXXX  XXXX  XXXX FOR {$680.00} XXXX XXXX XXXX XXXX {$550.00} XXXX  FOR {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-23 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:
It started on XX/XX/XXXX, I contacted XXXX XXXX XXXX, also known as XXXX XXXX XXXX, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX XXXX, who I have contacted. They claimed I had originally asked about a XXXX XXXX and my business was denied credit but did not state any vehicle was in my name or purchased. I called back XXXX XXXX, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, XXXX XXXX, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to XXXX XXXX on XX/XX/XXXX. I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, XXXX XXXX has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed XXXX XXXX a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a XXXX XXXX nor ever purchased one from 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 non-monetary relief
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
It started on XX/XX/XXXX, I contacted XXXX XXXX XXXX, also known as XXXX XXXX XXXX, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX XXXX, who I have contacted. They claimed I had originally asked about a XXXX XXXX and my business was denied credit but did not state any vehicle was in my name or purchased. I called back XXXX XXXX, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, XXXX XXXX, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to XXXX XXXX on XX/XX/XXXX. I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, XXXX XXXX has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed XXXX XXXX a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a XXXX XXXX nor ever purchased one from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
It started on XX/XX/XXXX, I contacted XXXX XXXX XXXX, also known as XXXX XXXX XXXX, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX XXXX, who I have contacted. They claimed I had originally asked about a XXXX XXXX and my business was denied credit but did not state any vehicle was in my name or purchased. I called back XXXX XXXX, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, XXXX XXXX, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to XXXX XXXX on XX/XX/XXXX. I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, XXXX XXXX has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed XXXX XXXX a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a XXXX XXXX nor ever purchased one from 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 non-monetary relief
Consumer complaint received 2023-02-23 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: AZ

Complaint narrative:
In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 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, has violated my rights. 
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, 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. 16815-2 ( 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 2023-02-23 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: AZ

Complaint narrative:
In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXT XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance Balance updated {$710.00} XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance Balance updated {$25.00} XX/XX/XXXX. XXXX XXXX XXXX  LATE PAYMENT Balance Balance updated {$130.00} XX/XX/XXXX XXXX XXXX Balance Balance updated SO XX/XX/XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, 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. 16815-2 ( 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 explanation
Consumer complaint received 2023-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX  XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
my credit report is inaccurately reporting fraudulent information from all three credit agencies, transunion, XXXX, and XXXX. The following creditors have reported fraudulent inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to transunion acct XXXX amount {$3100.00} date XX/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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo charged me {$350.00} interest on a {$600.00} balance. 

I talk with their Representative and a Supervisor and the Supervisor stated that she would only deduct {$82.00} from the {$350.00} if I pay the whole amount off now which would be {$870.00} today. 

How can they charge that kind of interest on {$600.00}.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX an e-bill from XXXX XXXX XXXX reflecting a balance of {$31.00} for an auto-refill subscription to be paid by XX/XX/XXXX. 
XXXX Assessed a {$30.00} late fee for failure to make payment by XX/XX/XXXX. 
XXXXReceived an e-bill from XXXX XXXX XXXX reflecting a balance of {$63.00} to be paid by XX/XX/XXXX. 
XXXXContacted company via email regarding missed payment and requested a one-time courtesy waiver of late fees. I was informed that they would remove the late fees assessed which would be reflected in my next statement. I made a payment in the amount of {$31.00}. 
XXXXReceived an e-bill from XXXX XXXX XXXX reflecting a balance of {$73.00} which included the {$30.00} XXXX late fee and a {$40.00} XXXX late fee as well as minimum finance charges. 

I have contacted XXXX XXXX regarding the new unexplained charges but they are unwilling to clear the balance. The most they can do is waive the {$40.00} XXXX late fee. They argue that I had a balance of {$2.00} ( supposedly " valid '' minimum finance charges ) on XX/XX/XXXX which constituted a failure to pay. As a result, they reassessed XXXX and XXXX late fees. If they receive no payment by XX/XX/XXXX they will assess another {$40.00} late fee. 

In sum, I will continue to accumulate late fees, minimum finance charges, and risk potential adverse impact on my credit report because they argue they are owed a {$2.00} finance charge which was assessed a late fee which they were to waive. I paid for my purchase but it is unconscionable that they would continue to assess fees upon fees upon fees over a {$2.00} minimum finance charge which I was unaware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is allowing XXXX XXXX XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is a 3 month difference. The proof Im providing is directly from my credit report. Due to the reporting of inaccurate information I want the account deleted.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
PlayStation credit card issued by Comenity bank advertises a promotion for a {$50.00} PlayStation store card and free game credit up to {$75.00} on first purchase and {$500.00} spend respectively ; to be issued within 14 days of meeting requirements. Over 14 days after meeting requirements and Ive contacted Sony rewards customer service multiple times regarding the promotion but have not received any response, Im simply told the issue will be escalated, but after 10 days I havent received any communication. I have the emails detailing and confirming the promotion and the credit card statements showing Ive met the requirements and the dates on them.

Company response to consumer: Closed with explanation