vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CCBXXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft fraud laws in Missouri.

It has unequivocally come to my attention that CCB/XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides stringent protections against identity theft and unauthorized use of personal information. Under Missouri Revised Statutes Chapter 570, specifically Section 570.223, it is illegal to use another person 's identifying information with the intent to defraud.

I assert with unwavering certainty that I have not provided consent for CCBXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CCBXXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws against identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CCBXXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: LA

Complaint narrative:
First National Credit Bureau is attempting to collect on debt from me that I know nothing about. I have never had an agreement with them. I sent them the attached letter asking them to validate the debt by XX/XX/year> and they have failed to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made an online purchase of a dress on Macys.com using Macys credit card which is Citibank ( Order # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) and received it on XX/XX/XXXX for the value of {$620.00}. The dress did not fit my body and immediately I packed it and shipped it back and expecting a refund. I tracked the dress shipment using the tracking number provided by XXXX - XXXX - The dress shipment was delivered to XXXX XXXX which is the seller on XX/XX/XXXX and signed for by XXXX XXXX employee " XXXX. '' Until today, I never received my refund for this returned item. 

On XX/XX/XXXX, I made an online purchase of XXXX dresses on Macys.com using Macys credit card which is Citibank ( Order # XXXX and Order # XXXX for the same XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) thinking that the bigger sizes might be a better fit for me and received it on XX/XX/XXXX for the value of {$620.00} + {$620.00}. 
Both dresses did not fit my body and immediately I packed both dresses and shipped it back to the seller. I tracked the shipment and both dresses were delivered back to the seller. I received my refund of {$620.00} + {$620.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I started reaching out to Macys and XXXX XXXX inquiring about my refund but I could not reach any resolution. XXXX XXXX sent me a message back saying that " Due to insufficient balance on our payable balance with Macys, we can not issue a refund right now. '' On XX/XX/XXXX, I filed a dispute with Macys credit card Citibank concerning my un-refunded returned dress that was delivered back to the seller and received by the seller on XX/XX/XXXX. However, to my surprise, Citibank replied to me saying this dispute is already resolved because you already received your refund on XX/XX/XXXX for the amount of {$620.00}. 
I called them to explain that this is completely incorrect and the refund of {$620.00} + another {$620.00} is for two entirely different orders. I am still missing my refund of {$620.00} from order # XXXX which was delivered back to the seller on XX/XX/XXXX and I have the tracking information to prove that they received it. 

Until today XX/XX/XXXX, I have not received my refund of {$620.00} and no one is helping me with the resolution of this issue. I am desperate for help.

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 2024-05-28 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.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify is accurate : XXXX XXXX XXXX XXXXXXXX

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 2024-05-28 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: MI

Complaint narrative:
On XX/XX/2024 consolidation of my student loans was completed and successfully transfered from XXXX to XXXX. XXXX was paid in full! On XX/XX/2024 I disputed a new inquiry from XXXX in the amount of XXXX via Equifax after investigation they still deemed the information accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian put a fraud alert on my credit report XXXX  without my knowledge that's just showing up. No wonder I'm having such a hard time.

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 2024-05-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/2024, XX/XX/2024, XX/XX/2024 were disputed I am writing to request your assistance in resolving fraudulent accounts and inaccurate information on my credit report. Recently, my wallet was stolen, and as a result, my personal information has been misused to open fraudulent accounts that do not belong to me. Given that I am currently in the process of buying a home, it has become crucial to rectify these inaccuracies and ensure that my credit report reflects accurate and reliable information.I kindly request that the Consumer Financial Protection Bureau investigate these fraudulent accounts on my credit report. I believe that upon thorough investigation, it will become evident that these accounts are a result of identity theft. Therefore, I respectfully request the removal of these fraudulent accounts from my credit report, as they are negatively impacting my ability to secure a home loan and move forward with the home-buying process. I hope I am doing this correctly. If not i am taking a calculated risk with hopes of creating a great and lasting change in not only my life but also my XXXX children who don't deserve to struggle on my behalf.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My username and password did not work and the phone number in Experian 's system is outdated so it couldn't be used as an alternative means access. I sent them all of the information that their website said was needed to resolve this and 3 months later, have not heard from 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 2024-05-28 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: NY

Complaint narrative:
Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-28 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
In accordance with the fair credit Report act this creditor American Credit Acceptance, 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 an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2024-05-28 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: TX

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a collection account in my report that i don't recognize. it is a fraud and i want it to be removed as soon as possible. I am in the process of making my home improvement and i can't move forward because of those inquiries. Kindly remove it as soon as possible : XXXX XXXX XXXX. date opened XX/XX/year> 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 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet is my service provider and I've tried to speak/understand with them as to my diffuculty tring to repay my loans. I've applied for XXXX XXXX loan forgiveness and income-driven repayment. I'm now asking for loan forgiveness. My servicer provider keeps sending me payment due statements with no regards to my statements to them and/or my ability to repay the student loans. I've borrowed money from the Federal Student Aid program for both of these colleges. 
XXXX. School of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX - Wells Fargo refused my request to charge back a bogus charge by a financial company for {$7000.00} for BUSINESS CAPITAL -- Not Credit Cards. The company advertised up to {$150000.00} in Business Capital for that XXXX fee. On XX/XX/XXXX which was the first day that the financial company starting the process, I recognized they were simply applying for credit cards using my credit score and personal information -- I told them on the spot -- this is not what you advertised nor is this Business Capital -- it's creditr cards! They said they work with companies that can get capital off of the credit cards -- I said oh noooo, I need capital not credit cards. We go back and forth and the company wants to haggle over why credit cards is better or the same as capital -- I cancel this order over the phone and in writing. I then call Wells Fargo to dispute this 1 day old charge and Wells Fargo tells me no!!!!! They say I need to file a police report about this matter! I tell them, that's absurd. I have the right to deny a charge -- especially within 24 hours for sure. 
It's not like I have received anything tangible. Surely no capital in 24 hours. Wells Fargo tells me too bad so sad. Since this initial XXXX interaction with Wells Fargo, they have ( Wells Fargo ) maliciously taken money over {$5000.00} out of my accounts and and sent it to another entity -- on there own. Charged my Wells Fargo Credit Card {$7000.00} and threatened to ruin my credit profile and FICO score with the 3 Credit Bureaus. 

This is beyond outrageous! Wells Fargo needs to be put out of business. How many outrageous, harmful, destructive violations does Wells Fargo get to commit against consumers before they are put out of business -- not just fined and change executives. 

From the Housing Scandal ( under XXXX XXXX ) to a litany of other violations, why does Wells Fargo get to just pay a fine and shuffle the executive chairs and continue on with predatory malicious vicious unethical business practices? Close Wells Fargo down and sell off the assets to other banks -- do not let the simply pay a fine and change executives ; their culture stays the same no matter who is top dog. 

Please CFPB, stop Wells Fargo on this matter and 100s of thousands of others. They are the same wolf no matter how they change executives or even their business name. 

Wells Fargo must be closed down just XXXX XXXX XXXX in XXXX under XXXX XXXX, Break Wells Fargo up and sell off the parts and assets.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I was notified by my credit monitoring service that a hard inquiry was performed by JPMCB CARD SERVICES. Phone numbers I found on internet said to visit the bank Monday. I went into the branch Monday XX/XX/XXXX and was told they did not have a profile in their system. They gave me a " Chase Identity Theft Protection Kit '' with phone numbers to call. I attempted to call but got minimal response, all said they could not locate a 'profile '. Much later that week, in the mail, yet dated XX/XX/XXXX, I received a letter from Chase Bank stating they were concerned someone was using my personal information fraudulently. That letter told me to file a police report along with other strategic things to protect myself - I had already froze my credit report, filed a consumer statement, etc.. I filed a report with the local law enforcement on XX/XX/XXXX. I again attempted to call Chase and ask them to remove my hard inquiry. Again, no profile. Possibly because they have spelled my name wrong on the inquiry- just a guess? In addition to these measures, I have filed a dispute with XXXX - to no avail. I have recently filed a dispute with XXXX It does not appear on XXXX. While thankfully, there is no actual loan/ credit card extended I do plan on applying for a loan in the near future and this on my credit report is not going to help. I'd like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( year of XXXX since there was a large payment made in XXXX of XXXX ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief