vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
While reading the response to a recent complaint I filed, this company responded and sent me another consumers sensitive information. A name and address is considered sensitive information that could be used for identity theft or malicious purposes. Banks are required to take reasonable measures to protect customers data. This is indeed a data breach. I don't know why they would send me XXXX XXXX 's name & address but I will be notifying XXXX of her sensitive information being breached via certified mail, as well as notifying the attorney general and the FTC. This is an example of the ongoing issues I've had with this company and their sloppiness and why I have a false late payment on my credit report. 

As stated before my dispute still applies that I have never been more than 30 days late on any payments with this company. They have continuously mixed up and credited payments to wrong months. 

CFPB I am requesting a proper investigation and to enforce the law. This has been an ongoing issue for months with this creditor who is refusing to comply with the laws under the FCRA. I have never been late in payments with this creditor, and due to inaccurate and sloppy accounting my credit score has suffered. This creditor is reporting to XXXX that I was 60 days late, and has been reporting this false information for over a year. You will see that this creditor is reporting the same account to XXXX that I was 30 days late. How can this be if the bureaus are getting information from the SAME creditor. I am requesting that you hold this creditor accountable. This creditor has assumed a vital role and have a responsibility to report consumer information with maximum accuracy. As a direct result of this creditor reporting conflicting, inconsistent and false information, my credit score has dropped XXXX points. I have been denied credit, I had to take off work and have suffered severe emotional distress. The FCRA law specifically states that if there are conflicting information across the credit bureaus the account should be deleted all together or the late payment must be removed. I have provided proof of the inconsistencies and request that the CFPB hold this creditor accountable for violating my consumer rights. 

Lastly I want to know what steps are they taking to secure my personal information so that my sensitive information will not be breached like XXXXXXXX XXXX XXXX XXXX I have attached the letter they sent to me with XXXXXXXX XXXX Personal information and I will be sending this to her as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened the BOA credit card in XXXX. At the time the rate was fixed at 6.9 %. My husband was added to the card and was on active duty from XXXX but that should not have affected my fixed interest rate from XXXX. I understand that a military benefit was added to the card during that time but it was not to reduce the rate. We added it to avoid international exchange rates while living outside XXXX XXXX XXXX. The rate should not have increased when that was removed. Please adjust the rate back to 6.9 % fixed and refund the remainder of the excess interest charges from XXXX to the present.

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 2024-12-11 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-11 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: SC

Complaint narrative:
XXXX, XXXX, ( XXXX ), XX/XX/year>, 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, Transunion & 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. This fraudulent, inaccurate, and false information consists of car loans, credit card and car loan debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 Complaint 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 2024-12-11 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: SC

Complaint narrative:
XXXX, XXXX, ( XXXX ), XX/XX/year>, 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, XXXX & Experian 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. This fraudulent, inaccurate, and false information consists of car loans, credit card and car loan debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 Complaint 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 2024-12-11 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: VA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$200.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
XXXX XXXX  made severe errors in billing resulting in monthly payments due over agreement amount. XXXX  refused to remove devices from account that I didnt own resulting in payments over contract amount. Started charging late fees because I wouldn't pay for device 's on account that I didnt own. Never made corrections as requested in a previous complaint. Didn't notify credit bureau the account was in dispute. Repeatedly added fees for being late when it was a clerical error on their part. And refused to remove those fees when requested. This should be breach of contract for charging incorrect monthly amount. The fees were a result of their own clerical errors and should most definitely be removed. The included email is from XXXX on the device and amounts purchased. Other documentation shows the dates purchased and total months financing period. All of this was in error on XXXX XXXX  part and purposely reported to credit bureau knowing this. A direct violation of FCRA.

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I placed a order for XXXX at XXXXXXXX XXXX XXXXXXXX. The system duplicated the order and i called them to correct and they advised it would have to be cancelled and re-entered. They set a cancellation of the order, but the amount is still on my Wells Fargo CC and I can not get Wells Fargo to start a claim to pursue this issue. Wells Fargo has not issued a provisional credit on my account or made contact with the vendor. Attached is the written confirmation from XXXXXXXX XXXX my order was cancelled, this has been sent to Wells Fargo also.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I require your help to resolve the issue of an incorrect account on my credit report. This has been detrimental to my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Home Depot 's credit card clearly advertises 1-Year Hassle Free Returns, yet it's not true. In an attempt to return an item purchased with the Home Depot credit card, they are saying this particular item only has a 30-day return window. That is the definition of a hassle, and clearly not 1-year. The entire reason for getting this card is that perk. Otherwise it's like every single other card on the market.

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 2024-12-11 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: TN

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$710.00} XXXX  XXXX XX/XX/XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX  ( Original Creditor : XXXX XXXX  ) XX/XX/XXXX {$4000.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$850.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4200.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX  XXXX XXXX {$500.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXXXXXX XX/XX/XXXX {$5300.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3800.00} XXXX Payment XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1500.00}

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 2024-12-11 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: PA

Complaint narrative:
My name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts XXXX XXXX XXXX XXXX XXXX. I demand the removal of these unauthorized inquiries ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the removal of this incorrect information ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for a credit card with American Express and was denied credit. They asked me to connect my bank account so they could look through my transactions which is a violation of my privacy. According the EQUAL CREDIT OPPORTUNITY ACT, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15USC 1692k. American Express is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I made an application in good faith but credit was not issued. If American Express fails to make any reasonable offer to resolve this matter and compensate me for the use of my SSN and the resulting creation of security collateral, I will make XXXX XXXX criminally and civilly liable for all actual damages. I am the age of majority and have the capacity to contract. I am simply asking American Express to extend my own credit to me with the promise that I will perform as required. I will take this matter to the SEC, IRS and anyone else necessary to get the remedy I am seeking, that I deserve as a federally-protected consumer. 

REFERENCE : XXXX

Company response to consumer: Closed with explanation