vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 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: OH

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. 

Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) States : 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 2023-03-05 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: Early Warning Services, LLC
State: LA

Complaint narrative:
I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citibank continues to not allocate my payments to Promotional Balances as requested through their credit services app.

I made 1 purchase online with Home Depot and Citibank fractured the balance into 6 separate Promotional balances. I requested Citibank to just combine into 1 balance as all are due on XX/XX/2024. Citibank refused. 
I have managed to pay off 4 of the balances leaving 2 balances. Citibank again fractured the account back ( Citibank has done this twice now ) into 4 separate balances.

I just made a payment to payoff 2 of the 4 balances and the minimum amount due on the account. Citibank did not allocate the payment as instructed and I still have 3 different balances.

I am a senior citizen and I believe they are making this difficult to pay off by creating separate balances so that I will owe the interest that is deferred until all is paid off. This is a scam and they are harming the consumer. I feel so stressed and sick by this fraudulent practice of Citibank. Please help as their customer service representative was extremely rude and yelled at 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 2023-03-05 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX  XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ) XXXX account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXXXXXX XXXX- account ending in XXXX XXXX - account ending in XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 conviction 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 2023-03-05 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX account ending in XXXXXXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX Services- account ending XXXX XXXX XXXX - account ending in XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 conviction 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 explanation
Consumer complaint received 2023-03-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. 


COMENITYBANK/VICTORIA Account XXXX XXXX {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has two different account numbers. TransUnion - XXXX XXXX - XXXX. This isn't the only inaccurate or inconsistent as well as violations information on 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 non-monetary relief
Consumer complaint received 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My TransUnion credit score has dropped by XXXX points, while my other XXXX scores have either remained the same, or actually gone up. XXXX out of XXXX of my credit scores are over XXXX, and my TransUnion score was also over XXXX until it dropped by XXXX points out of nowhere. I have reached out to multiple attorneys now in addition to TransUnion, and I am told that absolutely nobody has ever seen or heard of someone having this happen to them. I want to be crystal clear here so that my problem is understood immediately. Most consumers in a similar position are facing a situation where something inaccurate negative has been reported on their credit report, and made their credit score drop. This is NOT what is happening to me. I have called TransUnion 4 times now, and I have also spoken with a supervisor, and absolutely every single one of these TransUnion employees have stated and verified the same thing for me. There have been absolutely NO changes in my credit history. Not a single new negative or derogatory remark has been added to my credit report. In the last 90 days, not a single negative change has been reported to TransUnion by ANYONE regarding my account or credit history. I do not have a single missed or late payment, and 100 % of my accounts are in good standing with a credit utilization rate of less than 10 %. My credit score has dropped for absolutely NO reason. Not a single person at TransUnion can tell me why my score dropped, they can only tell me that it has in fact dropped, and that there is absolutely nothing they can do about it. THIS MUST BE FIXED IMMEDIATELY. There is no fraud for me to dispute, and there are no inaccuracies for me to challenge on my report. My score has simply dropped XXXX points for absolutely NO REASON.

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 2023-03-05 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: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I was informed by Rocket Mortgage that a soft pull on my credit report will be done. Instead, a hard pull was done which affected my credit score. I am not looking to borrow funds and was looking for rates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: CO

Complaint narrative:
XXXX XXXX XXXX sent me a letter claiming that I owed {$1700.00} to Pendrick Capital Partners who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached. 

I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time. 

I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE. 

XXXX XXXX XXXX is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

Pendrick Capital Partners is registered in Delaware. Their registered agent there is XXXX  XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: LA

Complaint narrative:
I want accounts closed and inquiries gone

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 2023-03-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXXXXXX 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXXXXXX 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports

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 2023-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
Phoenix Financial Services sent me a letter claiming that I owed {$1700.00} to XXXX XXXX XXXX who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached. 

I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time. 

I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE. 

Phoenix Financial Services is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is registered in Delaware. Their registered agent there is THE XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX I went to my local walgreens pharmacy store to pick up my prescription. As usual, I click confirm pickup and also bought medical equipment with the pharmacist. The pharmacist told me to enter my social security number which was new to me, so I did as I thought it was just a new process of picking up my medication to match my records on file. When I got back home and checked my email, I saw an email regarding a new credit card has successfully been accepted in my name. I remember I didn't sign a document for a credit application nor talk to a professional financial expert at walgreens for this store credit card. Therefore, I am submitting a complaint with CFPB as I didn't authorize for a credit card at walgreens.

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 2023-03-05 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: GA

Complaint narrative:
Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. 

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!

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 2023-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I cancelled XXXX XXXX as I did not get stable internet. I cancelled service within 30 days of signing up and returned equipment. 

I kept getting bills and now I got a collection notice dated XX/XX/23 from XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account no : XXXX Amount {$210.00} I do not owe anything to XXXX XXXX and this is a bogus bill and collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: LA

Complaint narrative:
I want accounts closed and inquiries gone

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 2023-03-05 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: LA

Complaint narrative:
I want accounts closed and inquiries gone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express- there is a discrepancy with when payments, credits that come through resulting in an interest charge. In additional, the interest charged vs the remaining amount was exorbitant compared to what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
I have been trying to reach out to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and other consumer protection agencies to get this matter resolved once in for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
My name is XXXX XXXX. I am filing my complaint voluntarily and independently of any third parties or agencies. Please see my full complaint and request in the documents that are attached.

Company response to consumer: Closed with explanation