vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 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: FL

Complaint narrative:
XXXX, XXXX, Experian. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.

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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
ACCOUNT DELETED ALREADY FROM XXXX BANK COULD NOT PROVE THE ACCOUNT WAS MINE AND IT SHOULD BE DELETED FROM XXXX AND TRANSUNION XXXX XXXXXXXX XXXX XXXX with account XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX 2XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Please be advised that TRADE : XXXX XXXX is not reporting on your credit file. A letter outlining our findings was also mailed to the address on file. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

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 2023-06-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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.

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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
For the past several months, around the middle of the month, my Trans Union and XXXX scores plunge between XXXX and XXXX points with no noticeable changes to warrant such steep drops. Sometimes they are corrected within a few days, however, other times they take more than a month to be corrected. This has been occurring almost every month since it began in XXXX, 2023. I have taken screenshots of the trajectories of these accounts per line- graphs as well as screenshots documenting the erratic behavior of these accounts/reports. 

This is not singularly occurring to my reports. A close friend woke up last month to discover that she was deceased and that all the accounts on her report had been closed and her credit score was " XXXX ''. Many complaints and comments regarding this same behavior have been posted on sites like XXXX and others. XXXX does not seem to have the same instabilities as XXXX and Trans Union regarding this issue. 

I have been denied credit and/or been assessed higher interest rates because of these issues and may decide to seek relief through the Federal Courts if something is not investigated and resolved with the two aforementioned bureaus. 

Thank you in advance for conducting a thorough investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a call from XXXX XXXX XXXX. They called from phone number XXXX. They stated that I owe Wells Fargo {$840.00} from several years ago. Informed them that if I didn't pay they would freeze my accounts and prevent me from having another checking account or credit card ever in life. They also threatened to sue me. Somehow they had all of my information. The rep was absolutely rude and I ended up hanging up on 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 2023-06-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

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 2023-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A delinquent account was reported by CCB XXXX back in XXXX of XXXX 
The delinquent amount was due to changes in bank accounts and the debt was covered immediately when informed about the issue. 
The balance on the report indeed is XXXX dollars yet it is still showing and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I think that American Express is uncalled for and in the wrong for closing my accounts. My bank XXXX made an error with a stop payment for a different company that started with XXXX and they confirmed it was done in error. But American Express closed my accounts anyway even though I have made several payments and would never ever tell my bank to stop a payment to American Express which is an open card. On XX/XX/XXXX I never called American Express to do a stop payment for {$1000.00} and when I spoke to an Account Manager, XXXX XXXX, she said there was nothing to do be done. I think this is unfair and is very detrimental to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Delete this account.

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 2023-06-19 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Blessings, at this moment that I start to review my credit report I realized that there are certain reports that do not belong to me, I called the different companies, which they did not want to explain to me how this happened and why I am going through this, which I did not I see well what is in my report since I do not have a license or know how to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Blessings, at this moment that I start to review my credit report I realized that there are certain reports that do not belong to me, I called the different companies, which they did not want to explain to me how this happened and why I am going through this, which I did not I see well what is in my report since I do not have a license or know how to drive.

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 2023-06-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

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 2023-06-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYCHRONY CARE Credit card that I have had for several years since approximately XXXX. This card was offered to me as another option for payment. This card is XXXX interest for a year if balance paid in full for people with excellent credit. I discovered on XXXX through an email from sychrony bank for payment due on fraudelent charges made on XXXX for {$3100.00} to XXXX XXXX and a 2nd charge for {$3100.00} to XXXX XXXX on XXXX, for a total of XXXX, I contacted them that same evening XXXX to report. I also called again to close on XXXX, XXXX and XXXX as I could still go in through the synchrony app and see my account was still open and new cards were being issued. I also did not ask for a new credit cards to be issued to me after I closed both Synchrony care credit o Synchrony home but they still issued Syncrony Home credit card to my home As I had informed them of a fraudulent address that credit card may potentially be sent to. On XXXX i also noticed that A Synchrony Home card/Rooms to Go was opened. I never requested this card to be opened and never got a card in the mail. This card was fraudulently charged on XXXX in XXXX XXXX XXXX  and XXXX XXXX XXXX in XXXX, Tennessee for a total charged of {$7300.00}. I live in NY! I have sent each individual dispute forms for both Synchrony home and Synchrony care credit on XXXX XXXX for both cards by mail and both cards to confirm they received it by phone. My first claim for Synchrony care credit card denied on XXXX saying i authorized or beneffited from purchase, payments made by me and account opened for 12mths statements sent to me. I never got statements in the mail. I also never got an email like I have in the past sane day or so when a purchase is first made, alerting me that a purchase has been made on card. I have filed police report XXXX and FTC report on XXXX. This documents were all sent by mail. I also have a letter from dental  office indicating that I have always paid my bills and last charge to Synchrony care was XXXX paid in full. I called on XXXX sychrony care credit and they confirmed that claim was denied. I requested appeal paperwork. I have not heard back regarding the Synchrony Home dispute claim. I sent A 2nd letter again disputing these charges XXXX thia time by certified mail sign receiptrequested. I have frozen all 3 creditors as I feel my social security number and information has been compromised. I will be contacting social security office as well. I have also put alerts on 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 explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I was contacted about providing proof of insurance when I set up the refinancing auto loan in XXXX, XXXX. I provided my proof of insurance as requested when setting up the account, and again on XX/XX/XXXX. I was then charged a CPI ADD fee of {$1100.00} on XX/XX/XXXX for " not providing proof of insurance '' but I wouldn't have been able to set up the loan had I not provided it. 

I then started to notice that I've been getting charged " late fees '' every month, for my autopayment taking too long to process, but I have no means of changing the auto payment date, so on top of my {$180.00} that I pay every month, they started charging me an extra {$29.00} every month starting XX/XX/XXXX. All previous payment before that had not been charged a late fee. 

I've been asking them to email me, as my job schedule is from XXXX to XXXX, and can not pick up their calls, but they would not reach back out to me. 

This year, I've sent them the updated proof of my insurance ( since the year had expired ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no response. I received an email from them on XX/XX/XXXX asking again for proof of insurance, which I had not seen until I was notified by mail that they have again charged my account with another CPI ADD fee on XX/XX/XXXX and increased my monthly payments. 

As they had not removed the original fee, charged me a second time, and increased my monthly payments to {$240.00} a month for " failure to provide evidence of insurance '' I am reaching out for assistance at this point. I started this refinance loan with {$8600.00} on XX/XX/XXXX, and as of today ( XX/XX/XXXX ) my balance is at {$9500.00}. I've had a full year of payments at this point that have amounted to 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 monetary relief
Consumer complaint received 2023-06-19 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:
Credit bureaus keep putting info on y credit and its past the 30 day period of debt on my credit. I sent proof That i lived in Florida. I submitted several report to credit bureau. I need this removed its hurting my degree. pleaseSubject : Request for Removal of Debt from Credit Report I am writing to bring to your attention a matter concerning an outstanding debt listed on my credit report, which I believe requires immediate resolution in accordance with consumer protection laws. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection legislation, it is my understanding that debt collectors are required to provide proof of a debt within a reasonable period upon request. If a debt collector fails to provide this proof within the designated timeframe, it may result in the obligation to remove the debt from my credit report. 

As per my records and the information available to me, the debt in question has been on my credit report for a period exceeding 30 days. Despite multiple attempts to obtain proper validation of this debt, no satisfactory evidence has been provided to support its accuracy and legitimacy. 

I hereby formally request that you promptly provide me with complete and comprehensive documentation validating the existence and validity of this debt. This documentation should include details such as the original creditor 's name, the account number, the amount owed, and any other pertinent information necessary to verify the legitimacy of the debt. 

Please be advised that failure to provide the requested proof within [ a reasonable period, e.g., 30 days ] will result in the expectation that you remove this debt from my credit report as per the provisions of applicable consumer protection laws. I also reserve the right to pursue any legal remedies available to me should you fail to comply with this request. 

I kindly request that all future communication regarding this matter be in writing to ensure accurate documentation and a clear record of our interactions. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution in compliance with the applicable laws and regulations. 

Sincerely, 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 2023-06-19 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:
Credit bureaus keep putting info on y credit and its past the 30 day period of debt on my credit. I sent proof That i lived in Florida. I submitted several report to credit bureau. I need this removed its hurting my degree. pleaseSubject : Request for Removal of Debt from Credit Report I am writing to bring to your attention a matter concerning an outstanding debt listed on my credit report, which I believe requires immediate resolution in accordance with consumer protection laws. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection legislation, it is my understanding that debt collectors are required to provide proof of a debt within a reasonable period upon request. If a debt collector fails to provide this proof within the designated timeframe, it may result in the obligation to remove the debt from my credit report. 

As per my records and the information available to me, the debt in question has been on my credit report for a period exceeding 30 days. Despite multiple attempts to obtain proper validation of this debt, no satisfactory evidence has been provided to support its accuracy and legitimacy. 

I hereby formally request that you promptly provide me with complete and comprehensive documentation validating the existence and validity of this debt. This documentation should include details such as the original creditor 's name, the account number, the amount owed, and any other pertinent information necessary to verify the legitimacy of the debt. 

Please be advised that failure to provide the requested proof within [ a reasonable period, e.g., 30 days ] will result in the expectation that you remove this debt from my credit report as per the provisions of applicable consumer protection laws. I also reserve the right to pursue any legal remedies available to me should you fail to comply with this request. 

I kindly request that all future communication regarding this matter be in writing to ensure accurate documentation and a clear record of our interactions. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution in compliance with the applicable laws and regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief