vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
This account does not belong to me. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a Victim of Identity Theft and explained that to XXXX, XXXX and TransUnion, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Someone stole my identity and due to a divorce as well, all these things keep appearing on my account which have these creditors calling and threatening me for my life to pay a bill that '' s not mines .I'am asking to have all these items removed off my credit, Everytime i disputes its an issue and one account will closed and another reappeared back on there .Its not fair to me that someone out here using my name in vain and due to the ex-husband away in jail for threatening to XXXX me, i believe he been using my name in vain a well and messing my credit up .i wrote to the credit company 's for years and they still putting things on there that's not me at all.When covid hit our world it seem like thats when everything 's got worse from me having badily and then to it was taking over the world .All my stuff was beng mis used .Please help me out, thank you so much be bless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
This account does not belong to me. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
This account does not belong to me.

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to express my deep disappointment and frustration regarding the failure to receive the XXXX bonus miles that were promised to me as part of a promotional offer from Barclays US credit card. Despite multiple calls to customer service department and assurances from representatives, I have yet to receive the bonus miles that I was eligible for after hitting a {$3000.00} spending threshold within the first three months of card activity. 

I applied to the Miles and More credit card in XX/XX/2023 that is a card that comes with a costly annual fee and with great anticipation, mainly due to the enticing offer of bonus miles, which were a significant factor in my decision to choose the card over other alternatives. As a loyal customer, I have made every effort to comply with the terms and conditions of the promotion, carefully monitoring my spending activity to ensure I reached the required spending threshold within the specified timeframe. 

I reached out to customer service department 3 times since hitting the threshold and 3 months waiting time period to inquire about the status of my bonus miles. The representatives I spoke to all confirmed that I had indeed met the spending threshold and was eligible for the bonus miles. They assured me that the miles would be credited to my account within a reasonable timeframe. Despite this assurance, the bonus miles have not been reflected in my account to this day. 

Since then, I have made several subsequent call However, no action has been taken to rectify the situation, and the promised miles remain conspicuously absent from my account statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This does not belong to me!

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: IN

Complaint narrative:
I was sent a bill from collection agency never heard of on bill never seen nor ever contacted about medical bill from collection agency XXXX XXXX XXXX several other names Texas number I think but over XXXX yr old bill said I owed for over XXXX insurance didnt cover 2 dates in XX/XX/XXXX didnt recognize. I had copy dont know where its at right now but know it was not correct I had XXXX XXXXXXXX XXXX XXXX but never sent any bill was lied to last year told XXXX did work retired XXXX hes still practicting. I enquired because XXXX illegally denied me telehealth with primary XXXX yrs Florida had before coming up home Indiana said I would pay out of pocket denied then just stopped my dual health ins said didnt have proper medicaid designt for the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: PA

Complaint narrative:
Someone stole my identity and using my name in vain and i am being XXXX  by this company .This is a fraud account and not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I used my American Express card to purchase an oven from XXXX XXXX. I transferred the balance to my XXXX XXXX  for a {$30.00} fee and zero percent financing. XXXX card paid American Express. I now have a {$1000.00} balance on my XXXX  card. I had to return the oven since it didn't fit. XXXX XXXX issued a refund to American Express. Now I owe XXXX card {$1000.00}. I contacted American Express on XX/XX/23, XX/XX/23, XX/XX/23 via phone and text. They requested that I make an additional payment if {$40.00} although I had no balance, they actually owed me- I made the payment. I have screenshot all my correspondence. I was told a refund check would be issued although I have a savings account with American Express. They told me three times that they would mail the check. I contacted them today and the check was not yet issued. I asked to escalate and requested a wire transfer directly into my bank account. They told me this could incur additional fees. Overall, it appears that American Express is " double dipping ''. They received funds from XXXX XXXX  as well as XXXX XXXX and now are making me fight for my money. All I wanted to do was surprise my wife with a new stove. Now I am out {$1000.00}, no stove, no check. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone stolen my identity and used my name for years getting fraudulent items in my name .I have and ex husband and bad divorce .My life was taken under my nose and stolen by someone using my name badily and when covid 19 hit and that bad disaster someone really used my name .Please removed all errors Every year they keep coming back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: FL

Complaint narrative:
See info below for errors and violations. XXXX is for TransUnion, XXXX and XXXX to delete this account permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent charges to my Citi bank checking account totaling almost {$500.00}. On XX/XX/XXXX I spoke to a representative who started the dispute process. The rep informed me a new card was being expedited and that after the call was over a credit for the full amount would be in my account, but that I wouldnt be able to access the app for a bit. I kept checking the app and once I was able to log in the credit was not there. I reached out again and the second representative told me that that was indeed not the case and Id have to wait up to 10 working days. My car payment is late now and because of Citis lie I have no idea when Ill be able to pay it and may face repossession. Id just like my money back!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone stole my identity and due to a divorce as well, all these things keep appearing on my account which have these creditors calling and threatening me for my life to pay a bill that '' s not mines .I'am asking to have all these items removed off my credit, Everytime i disputes its an issue and one account will closed and another reappeared back on there .Its not fair to me that someone out here using my name in vain and due to the ex-husband away in jail for threatening to XXXX me, i believe he been using my name in vain a well and messing my credit up .i wrote to the credit company 's for years and they still putting things on there that's not me at all.When covid hit our world it seem like thats when everything 's got worse from me having badily and then to it was taking over the world .All my stuff was beng mis used .Please help me out, thank you so much be bless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: PA

Complaint narrative:
Someone stole m my identity and used my name and its error on my report and i am being XXXX  by this company every day.fraud all on my account that someone using my name and credit and its not fair I had a bad divorce and my name bein ruin again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
It looks like I have had both Checking account as well as line of credit through Santander. Since I had forgotten about them both my Checking account had {$0.00} balance for a long time but instead of simply closing this account for XXXX balance on XX/XX/2023 Santander decided to withdraw {$50.00} from line of credit to go towards Overdraft protection fee. 

So, My complaint is two fold. First is that Santander should have just closed account with XXXX balance rather than all of sudden withdrawing {$50.00} from line of credit. Second is whether this bank regularly does these type of things to their other customers as well and customers might not even know about 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 explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone stoled my identity and used my name for years and this account is not mines with comenity company.there is fraud on this account and i had a bad divorce who may be there accounts take off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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
Consumer complaint received 2023-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MD

Complaint narrative:
In XXXX of 2023 I had a family emergency and needed a {$1000.00} loan. I was not able to acquire a regular loan because of my credit score. River Valley Loans ( tribal loan organization ) approved me for the {$1000.00} loan. I originally signed for bi-weekly payments of {$260.00}. On XX/XX/2023, I called to change the payment date because I started a new job and my pay cycle changed. I spoke with a male agent asking if I can change the payment date and he stated yes. The next payment was originally supposed to deduct from my checking account on XX/XX/2023 but the date was changed to XX/XX/2023, and bi-weekly from XX/XX/2023. I failed to realize I signed up for weekly deductions of {$130.00} which was not explained verbally to be. I asked for biweekly deductions of {$260.00}. A payment was deducted from my account on XX/XX/2023, for {$130.00} and I noticed another payment was deducted on XX/XX/2023 for {$130.00} which caused my account balance to go low. I tried to reach out to the company but could not get through because of the high call volume. After doing research I found out Maryland law states that a lender can only charge 2 to 3 % monthly interest or 33 % annual interest on payday loans. After looking over my contract they are charging me an annual interest rate of 651.46 %. So far I have paid them back a total of {$1800.00}. I do not feel like I am legally obligated to pay back the rest of the loan. They are stating I owe a total of {$3900.00} if I am not able to pay the loan off early. I have attached a copy of of the new loan agreement as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I am locked out of my EXPERIAN.COM  account. I have tried for weeks called several times worked with agents and it has even esclated but noone will contact me! I have tried numerous times using the forget password. THe Experian account says sucessful password but when i try to get in it gives an error report UNABLE TO PROCESS YOUR INFORMATION AT THE TIME and they have even asked for snapshots. NO ONE WILL CALL and it has costed me hours of troubleshooting. MAybe they will call me and resolve this issue after you contact them. XXXX XXXX THis issue started when they hounded me to reconnect my bank and one of my creditors XXXX but could never get resolution. THeir system says all set but i continue to get the reconnect XXXX 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 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Complete Credit Solutions, Inc.
State: PA

Complaint narrative:
Someone stole my identity for years and been using me name and i want my name cleared up due to a bad divorce ex husband may have parts in it as well. not sure whats going on but this a fraud case and i would like this off my report due to fraud.My identity was stolen.

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