vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: FL

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you DELETE the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: AZ

Complaint narrative:
XXXX, XXXX XXXX  XXXX, XXXX, VA XXXX has been billing me weekly for well over a year. I have contacted them between XXXX and XXXX times reporting to them that this is not my account and that it is fraudulent. They have zeroed out my balance every time and have assured me that they would cancel the account, but I would still get bills weekly. XX/XX/2024 they sent me a collection notice that I received XX/XX/2024. I called XXXX on XX/XX/2024 and once again reported that the account is fraudulent and they once again assured me that they would take care of it. I have now received a collection notice from Synter Resources Group, LLC attempting to collect money for this account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: GA

Complaint narrative:
My personal information was used to inquire unauthorized accounts. I have no knowledge of this activity reflecting on my report.

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 2024-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX of 2023 someone opened a credit card with an incorrect town and zip code at a BASS PRO facility. the amount is at {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra
State: TX

Complaint narrative:
Abra has blocked my ability to login to my account/wallet, thereby restricting access to my assets. They are citing a compliance issue- which seems to impact all US clients. I would like to gain access to my wallet so I can retrieve my assets. 

I reached out to Abra 's support team on XX/XX/2024, notifying them I was locked out of my account. They responded stating they will no longer offer services to U.S. customers and that my funds are now considered 'lost '. I asked for more information and never received a response. 

I submitted another support ticket on XX/XX/2024. I was again notified that my funds are now considered 'lost ', because I didn't move them out in time. I did not see the email notifications warning of any lockout. 

It feels like my assets have been stolen, not 'lost '.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgcrest customer service keeps telling me misleading information of what payment amount is due and how many past days I must go under for them to stop repossession. A few times last years if a problem with payment, they would put in red on website if car is in risk of reposession and the date, as well as email if car is in risk of repossession and date, then it would fall off after payment was processing. 
They did not after I asked them for loan defement. 

The story changes and is deceptive practice and unethical change in what I was told versus what I would be told again. 



They said {$350.00} was due to stop repossession then when I paid it they said no {$370.00} more is due. They said on XXXX XXXX {$350.00} will be due and everything will be okay until next month. Then after paying it they did not stop repossession crew and caused injury to me as a consumer as a worker over 62 needing transportation in Lending Act ( TILA ) include failing to accurately disclose the needed funds then changing the story once the money was received. Unfair or deceptive acts by customer care, Business conduct that will mislead or is likely to mislead consumers false or misleading and different stories each call as well as saying that repo can continue to occur after payment for 48 hours, saying on the XXXX payment will not stop repos because it is the weekends and the 3 rd party they hired can not be contacted. Also they have public relations person XXXX XXXX who related that a payment will make it right at {$350.00} to go under so many days until next month. Then after paying customer care said no want it under a different amount of days. Unlawful and deceptive practices again to put my life in danger of no vehicle also not letting me have a deferment this year after saying it was okay for XXXX now saying I must wait until XX/XX/2024. 
I am a XXXX woman that has been put through lies and confusion as to what is needed to bring account working until payment plan is implemented, but they do not work with you and change rules for deferment, payments, repo.and amount. I have XXXX XXXX and health problems and they put me in a bad state. Help me please as they said {$350.00} is fine for XXXX until XXXX to avoid car taking. I am old and scared and can not handle their young energy to deceive and bully me and my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Homepage | Bridgecrest.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
My payments are set up for auto-pay for the XXXX of every month. In XX/XX/2024, they had a system glitch, but did not notify anyone. I found out after the fact, on the XXXX, they had a glitch when I sent them an email. I was told to call. On the phone, they said there was a glitch, but there was not penalty for the late payment. When reviewing the information, I discovered I was charged more in interest due to the late payment. I asked for this to be corrected which they did not do even after saying it would be reviewed ( never got a follow up to that. ) I emailed as well to the support representative that initially replied to my email about the phone call issues. I have sent several follow ups, with absolutely no response other than the auto-reply saying the message has been received. Additionally, in this process, I found out that extra payments I made were not being applied to principal, even though they were over the minimum payment, and nothing in the contract/terms state the application would go to interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-27 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: TX

Complaint narrative:
This account XXXX XXXX XXXX XXXXXXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account XXXX XXXX XXXX XXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I will forego all the the details and get to the bottom line... B of A makes it EXTREMELY DIFFICULT to close a credit card account, and each day the account stays open, they are adding more interest. I made a payment on the card to bring the balance to XXXX and then attempted to close and get confirmation of closure. In searching their website, they state that you MUST call or write a letter to close the account... nothing can been done online, although many, many card issuers will allow an online request to close an account. Being totally against trying to communicate with B of A via the U.S. mail system, I called the XXXX number and navigated through the menus. Although at one time, the recording did say that call volume was high, they NEVER give an estimate of how long the wait will be for the " next available representative ''. Calls have been made multiple times, and tonight ( XX/XX/year> ), I waited online for nearly 40 minutes before disconnecting. The problem is that there is ALWAYS high call volume. There are no other options, such as leaving a number for them to call you back. This whole process is a huge hassle for the consumer, and should be illegal, especially since they will continue to charge you any fees they can! 
Bank of America needs to dramatically improve the process to close an account. Period.

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 2024-02-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX was hacked and my personal information, social security number, phone number, address, email address, and birthdate were compromised. This was then spread through the dark web and I know through my credit monitoring service that XXXX XXXX XXXX gave all customers complimentarily because of their data breach. I have tried to dispute this Kohls charge card through XXXX and it said that it was resolved but the card and balance associated with it was not removed. My credit score has now dropped XXXX points as a result of this oversight and stolen identity issue. Please help. There has also been a XXXX XXXX account that has been opened fraudulently that I have to submit my personal information for in order to be removed. XXXX XXXX XXXX  has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my Transunion credit report and it shows a fraudulent account that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

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 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MACYS/CBNA {$1000.00}, In this account it was sent out to the wrong address which was stated on many of the bills as XXXX XXXX XXXX, XXXX, CA XXXX. The address was completely incorrect, the correct address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had a XXXX XXXX XXXX this address where my other bills were forwarded to my XXXX XXXX XXXX I had to make the proper change before moving. For about 1 year, Macy 's was sending my bills to the wrong address Documentation has been mailed to me with the incorrect error on my credit report. I contacted them on XX/XX/XXXX, to make the proper changes, but was too late and my account had been sent out to the collection agency at XXXX and XXXX. 

The latest settlement offer was from client services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Account XXXX XXXX settlement offer of {$620.00} before 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 monetary relief
Consumer complaint received 2024-02-27 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 want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. I also filed a FTC report on this account as this is not my account. 

XXXX 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 non-monetary relief
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a FTC report on this account as this is not my account. 

XXXX 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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