vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2023 a letter was sent to equifax explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: MO

Complaint narrative:
I called in and asked if I could make principal payments and was told yes, started making extra payments and notice all of my payments were being applied to interest and not principal. When I asked for the reason today, I was then told the only way to pay principal is to call on the same day as the actual payment and tell them to apply them the extra amount to the principal. I incur interest each day and they do not allow me to make payments to principal only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of American provided false information to XXXX that my name is XXXX XXXX XXXX. On the basis of this I was denied credit. They need to pay damages and fix my credit 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 2023-12-07 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: CA

Complaint narrative:
I was prompted to pull my credit report after recently learning that my information was leaked in the XXXX data breach. I see personal information and accounts on my report that do not belong there.

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 2023-12-08 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: MS

Complaint narrative:
My information was sold illegally for personal gain, and I am a victim of the equifax data breach. There are illegal accounts on my credit report that I want removed effective immediately. I do have proof that I tried to get these removed because I AM A VICTIM OF THIS COMPANIES DATA BRECH. I will attach the proof of dispute letters I sent in along with the FTC reports that were filed as well. I also have proof of equifax stating that I am a victim of the XXXX Equifax data breach. So if you telling me that I'm a victim of your companies data breach why haven't you removed these illegal accounts from my credit report. Not to mention there is also a settlement thats pays the consumer up to XXXX dollars for being a victim in the Equifax Data Breach. The only thing wrong with that is the fact that Equifax already recieved the settlement to pay to the consumer for thier information being compromised from equifax company database. I havent recieved my settlement and I wan na know why. Equifax can't tell why because its wrong. Why would XXXX  want the consumer to explain what they did to remove illegal accounts from their consumer credit report that occured from the Equifax data breach that their company is responsable for. Equifax recieve a settlement that was paid to them for them to pay the consumer and they are holding it because they want to know what they doing to fix the mistake they are at fault for. So here is proof of dispute letters, ftc claims and the illegal accountsand inquiries I want removed. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: Chime Financial Inc
State: FL

Complaint narrative:
Chime sent emails saying my card was on the way, then another to tell me set up direct deposit. The card is shipping to an old address and was never requested by me. Not sure what kind of scam this is but theres something up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
CAINE WAINER have been reporting an overdue payment for which I have no responsibility. I have NO payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-07 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: NJ

Complaint narrative:
I have opened several disputes regarding incorrect reporting for XXXX years for XXXX and XXXX Account # ending XXXX, that was closed by the merchant in XX/XX/XXXX, due to the store closing. The account was never late since it was opened in XXXX. In XXXX I called the merchant to request a settlement for the balance since the account was already closed, and I was approved and made the agreed payments on time. The final payment was made in XX/XX/XXXX, as agreed. It appears XXXX XXXX has been reporting the account as a charge-off due to delinquent payments even after I have provided all pertinent documents to prove the on-time payments, including receipt of payments for XX/XX/XXXX thru XX/XX/XXXX on bank statements, company statements, and also the many letters I have received from XXXX XXXX with conflicting account states of both never late and past due which I have included again in this complaint as well of my current credit reports from XXXX reporting excellent payment history but still reporting late payments, and TransUnion reporting the account with XXXX information and delinquent. When I spoke to a XXXX XXXX XXXX at XXXX XXXX regarding Case # XXXX @ XXXX XXXX XXXX, I was advised XXXX # XXXX was sent to all three credit bureaus reporting no late payments. Settled prior to charge-off with XXXX rating, however I received a letter dated XX/XX/XXXX, showing when I agreed to the settlement the account was past due, which was incorrect. This error has continued to affect my credit worthiness, and I have not been able to secure a loan causing a hardship. I would like the issue to be re-investigated and be forwarded information from the investigation ex. dates of late payments that proves the delinquency and resolution. I would also appreciate the reporting be corrected once and for all. Please refer to CFPB complaints XXXX, XXXX, XXXX from XX/XX/XXXX. Thank you.

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 2023-12-07 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: NJ

Complaint narrative:
I have opened several disputes regarding incorrect reporting for XXXX years for XXXX and XXXX Account # ending XXXX, that was closed by the merchant in XX/XX/XXXX, due to the store closing. The account was never late since it was opened in XXXX. In XXXX I called the merchant to request a settlement for the balance since the account was already closed, and I was approved and made the agreed payments on time. The final payment was made in XX/XX/XXXX, as agreed. It appears XXXX XXXX has been reporting the account as a charge-off due to delinquent payments even after I have provided all pertinent documents to prove the on-time payments, including receipt of payments for XX/XX/XXXX thru XX/XX/XXXX on bank statements, company statements, and also the many letters I have received from XXXX XXXX with conflicting account states of both never late and past due which I have included again in this complaint as well of my current credit reports from Experian reporting excellent payment history but still reporting late payments, and XXXX reporting the account XXXX XXXX  information and delinquent. When I spoke to a XXXX XXXX XXXX at XXXX XXXX regarding Case # XXXX @ XXXX XXXX XXXX, I was advised XXXX # XXXX was sent to all three credit bureaus reporting no late payments. Settled prior to charge-off with XXXX rating, however I received a letter dated XX/XX/XXXX, showing when I agreed to the settlement the account was past due, which was incorrect. This error has continued to affect my credit worthiness, and I have not been able to secure a loan causing a hardship. I would like the issue to be re-investigated and be forwarded information from the investigation ex. dates of late payments that proves the delinquency and resolution. I would also appreciate the reporting be corrected once and for all. Please refer to CFPB complaints XXXX, XXXX, XXXX from XX/XX/XXXX. Thank you.

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 2023-12-07 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-07 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

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 2023-12-07 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: MO

Complaint narrative:
Experian once again closes another complaint without addressing the issue and giving explanations that once again have nothing to do with the problem which is Experian NOW HAS STOLEN 18 months of on time never late payments to XXXX and refuse to give them 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 2023-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
.ALLY BANK APPLICATION HAS NOT BEEN FIXED. I STILL HAVE TO ENTER MY ID and PASSWORD TO LOG INTO ALLY APP, it won't save my credentials and FACE ID and PASSCODE DON'T WORK!!! Fix it!!! I have placed a complaint with attorney general!!! 

Additionally, it took me six days to transfer in between accounts of my own!!! And I have no money available at the savings account to pay my bills!!! UNACCEPTABLE. This bank is treating customers terribly!

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: KY

Complaint narrative:
Charles Schwab had someone call me regarding the complaint I filed they asked me questions and I answered honestly they asked me if I received a phone notification for my money to be drawn out I stated I did not receive anything and did not authorize anything this bank is very unprofessional and Im very disappointed in their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I was issued a prepaid card for {$100.00} from a rebate. The card was stolen and there were fraudulent charges. I reported it and was told they would send a replacement and refund the charges. I have not received the replacement card or the funds that were stolen. I called to follow up and still have not received the funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CT

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I was a victim of fraud recently in a XXXX XXXX scam. I tried to sell furniture and was messaging two separate individuals- who both wanted to pay in advance for furniture they wanted. In my conversations with them, they mentioned they had sent the funds and asked if I received the same email they did - from XXXX and XXXX respectively, saying that the seller needed to pay more in order to upgrade my accounts to a business account to sell the furniture. They asked if they could trust that I would also send funds- so that we would both receive funds back, and I would receive the full amount for the purchase. As I've never sold furniture before, and the emails looked legitimate, I sent {$500.00} and {$520.00} to the two separate individuals ' accounts through XXXX. It wasn't until they tried to request more money - {$1100.00} each - that I realized this was a scam and called Schwab to try to get the funds recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: OH

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has been violated my federally protected consumer rights to privacy and confidentialality under 15 USC 1681 USCB 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 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN PERMISSION. 

15 USC 1681C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 

15 USC 1681 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO 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 2023-12-07 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: PA

Complaint narrative:
I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.

Company response to consumer: Closed with explanation