vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX  on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX Funding on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I have a Chime account. I tried to use their pay, anyone feature to pay my grass cutter some money. Because I never used this service before. I decided to send only {$1.00} on this first attempt. Chime reported that the money went to my grass cutter but my grass cutter said that he never received it. Many hours were spent trying to find out where the dollar went to no Avail. 
I asked Chime to refund the dollar. But they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have an existing complaint involving XXXXXXXX XXXX already filed with XXXX. 
I have been disputing XXXX XXXX XXXXXXXX onto my Experian Credit Report since XXXX. I was a fraud victim of unauthorized charges on my XXXXXXXX XXXX Credit Card. I have submitted all the proof to Experian, a copy of the police report, ID, my XXXX data breech claim number and dispute results from XXXX and XXXX ( Both XXXX and XXXX have removed XXXX XXXX entry on my credit report ). Every time I dispute the entry with Experian, they tell me it is denied because XXXXXXXX XXXX says it is my debt. I recently disputed the entry again with Experian and the most recent one said that XXXXXXXX XXXX  XXXX not know the charges are XXXX. XXXX XXXX does know as I have been in conflict with them since XXXX due to their refusal to acknowledge I was a Fraud Victim and that the charges were incurred by Fraud. The other XXXX credit reporting companies have both agreed and removed XXXX XXXX  XXXX because of XXXX. But Experian keeps listening to XXXXXXXX XXXX instead of looking at the evidence I have sent them. I do not know why Experian refuses to remove the entry but it is not right. I want the entry removed because I was a legit victim, I have sent them evidence of it but they keep checking with XXXXXXXX XXXX instead of looking at the evidence I have sent them. Why is it the XXXX other credit reporting companies have removed it but Experian does not? This is unfair and that is why I am reporting the info to CFPB. Experian and XXXXXXXX XXXX must have a relationship because the XXXX seem to come up with the decisions every time I have asked for an appropriate investigation. 
Also, I have attached Experians report from my dispute filed XXXX. It states the credit grantor requests that I contact them directly as they XXXX not know how to contact me to discuss this matter. I have discussed this matter with XXXXXXXX XXXX since XXXX. I will attach photos of XXXX XXXX last letter they sent me in XX/XX/XXXX regarding my 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 2024-07-28 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: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have not had a Bank of America account in years and yet I keep getting random Credit cards under my name from them that I did not apply for. This the second time with the credit card situation previous it was someone getting into my 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 2024-07-28 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXX  representative engaged in deceptive or unethical practices. Took out a loan without informing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX had loan XXXX XXXX with wells fargo XXXX XXXX XXXX XXXX had bought XXXX insurance rider added o to loan XXXX and Wells fargo and their servicing company out XXXX XXXX said you would not pay XXXX due to technical thei had to buy {$3000.00} car deliver packages hot sun XXXX XXXX XXXX  cause of accident you mad me and denied XXXX then i had to suffer and call all XXXX XXXX months finally saying CPFB would get involve but you never paid for my pai and suffering and Wells Fargo you opened many checking account savings account opther products and they still are doing it now and they XXXX XXXX XXXX XXXX on settement XXXX {>= $1,000,000}. 

They just sent letter case # reference XXXX XXXXXXXX Wells Fargo XXXX XXXX XXXX check and for XXXX years have lied to me not adress XXXX insurance pain suffering their XXXX and mediation 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 2024-07-29 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: CA

Complaint narrative:
I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
XXXX a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



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 explanation
Consumer complaint received 2024-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-07-28 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am filing this complaint because this company is attempting to collect on debts from XXXX accounts that were allegedly " paid in full '' according to my XXXX credit report. Both Portfolio and XXXXXXXX XXXX and have been reporting duplicate accounts. I have disputed these inaccuracies to no avail. This company is a lying, conniving, and deceptive debt collection company who has been stepping on me and inflicting unnecessary pain on my life. They are benefitting from my misery in which both XXXX XXXX and Portfolio has caused. They are in violation of the FDCPA XXXX ( XXXX ), XXXX ( XXXX ) ( A ), and XXXX ( XXXX ). Portfolio Recovery Associates was also disputed through the CRAs and had failed to rectify the incomplete information they had been reporting on the accounts. They did not report the complete payment history as I had requested, and they " Verified '' the accounts to be accurate on XX/XX/2024, when they were in fact false. This is both deceptive, false, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Experian for its persistent failure to correct erroneous information on my credit report, despite numerous disputes and the provision of supporting documentation. This ongoing issue constitutes blatant violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
XXXXAccount Details and Inaccuracies : ** XXXX. XXXX XXXX ( Account Number : XXXX ) - **Experian Inaccuracies : ** - Account status is marked " Closed '' with " Current '' payment status, yet it also lists derogatory remarks and mentions bankruptcy, which is incorrect. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, requiring accurate reporting. 
- The creditor remarks falsely state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is untrue and misleading, violating both FCRA and FDUTPA. 
- XXXX and XXXX correctly report this account as closed with a {$0.00} balance and no derogatory remarks, highlighting the inaccuracies in Experian 's reporting. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) - **Experian Inaccuracies : ** - The account is reported with a " Collection/Chargeoff '' status and lists an unpaid balance reported as a loss, despite the balance being {$0.00}. This contradiction violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, which mandates accurate reporting. 
- The remarks state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is incorrect and misleading. This false information violates the FCRA and FDUTPA. 
- XXXX and XXXX do not report any derogatory status or collection/chargeoff for this account, indicating that Experian 's report is inaccurate. 
- Experian lists a last activity date of XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
- The reported dates also do not match, with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 

These discrepancies between the information reported by Experian and the actual account statuses indicate a failure to adhere to FCRA and FDUTPA regulations. This non-compliance results in the dissemination of false information, damaging my creditworthiness and causing financial harm. 

Additionally, I have attached the credit report highlighting the inaccurate information for your reference. The attached document clearly shows the discrepancies between the reported information and the actual account details.

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 2024-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Complaint against, XXXX XXXX XXXX XXXX XX/XX/XXXX I made a purchase on a XXXX month promo plan no interest. 
By XX/XX/XXXX I had a balance owing in the amount of XXXX. That would expire on XX/XX/XXXX. 
On XX/XX/XXXX, I auto-paid XXXX, leaving a balance of XXXX. 
On XX/XX/XXXX I made a purchase of XXXX on a new promotional plan that would expire on XX/XX/XXXX. ( XXXX month promo plan no interest ) On XX/XX/XXXX statement, the balance owing was now XXXX. The min. pymt due XXXX. I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer pain. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due was XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due was XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan, paying off the lower plan that still had 8 months no interest left. 
On XX/XX/XXXX statement, the balance owing was XXXX on the XX/XX/XXXX expiring promo. 
The min. pymt due was XXXX I auto-paid XXXX all allotted to the remaining promo. 
On XX/XX/XXXX statement, the balance owing was XXXX. XXXX. pymt due was XXXX I auto-paid XXXX. Now leaving a total owing XXXX. 
On XX/XX/XXXX Comenity Bank added XXXX for accrued interest to my balance owing, stating I did not pay off the XXXX month promo on time, but they had. allotted the monies for the higher sooner expiring plan to pay off the XXXX  month promo in XXXX  months. 
Since my payments were on autopay, I just looked at the total balance owing and minimum payment required. I assumed that my payment paid the min. required and allotted the overage to the expiring plan. 
They said I needed to call after each payment to designate the overage. 
HELP me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There was an inquiry into my credit from Synchrony Bank on XX/XX/year> which I do not consent to or recognize. I asked Synchrony Bank to please remove it and they didn't do so. 

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 2024-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
What Happened? 

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX account number ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, 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 2024-07-28 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: GA

Complaint narrative:
I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. 
This is a violation of 15 USC 1681B : permissible purpose of consumer reports, and must be deleted immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION

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