vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was alerted by vendor on a fraud alert with XXXX  and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was alerted by vendor on a fraud alert with XXXX  and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed 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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My Citibank credit card statements do not include the CFPB required minimum payment warning on it. All credit card statements are required to include this warning about how long it will take to pay the balance if you make only the minimum payment and how much interest you will pay.

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 2023-07-19 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from Wells Fargo confirming I had requested a new card with my account number sent to an address in New Jersey. I made no such request. I called Wells Fargo at XXXX XXXX, phone number XXXX. The call lasted XXXX minutes. I confirmed I did not make that request. The customer service person went over 2 charges with me that were fraudulent. And assured me that it would be handled. 3 days later I checked my balance and one of the charges was still on my account. I then filed a dispute on the charge for {$430.00}. The other charge was over {$500.00}. Since then, I have spent over XXXX hours and XXXX phone calls with Wells Fargo. It has been 13 business days since my original call. Wells Fargo commitment is XXXX business days to have a fraud resolved. Wells Fargo just sent an email to me and said it would be 7 more business days to review my complaint. This is unacceptable for a fraudulent claim. Many years ago my XXXX XXXX number was compromised. XXXX handled the problem with 1 telephone call.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/2023 XXXX I reported the fraudulent charges first to the merchant. They verified that this was not my account but refused to resolve the matter. Then I reached out to their arbitration team and they did not respond to my message. Then I contacted my bank, Chime, to dispute the charges. They denied my request for a refund twice. So now I am escalating the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XX/XX/2023 I contacted XXXXXXXX XXXX XXXX about unauthorized charges on my XXXX card on my XXXX statement. I have attached a copy of the correspondence. 

My XXXX statement arrived with a credit for one of the charges and fees associated with that charge. The remaining charges disputed have not been acknowledged and remain as a balance due. Attached is their correspondence addressing one charge. 

XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. 

XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. 

I have just received my latest statement that has a balance due with the unauthorized charges as well as late fees. 

I have been notified that this has now shown up on my credit report. I want these charges addressed and removed immediately. We are at the 4 month mark, which is well over the required time to address and resolve. 

I would like to know what my legal rights here are for charges against Comenity Bank as well as inquire on their PCI compliance since this card is still in my possession

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 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: NJ

Complaint narrative:
the below accounts are not mine and should be removed from 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 2023-07-19 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: FL

Complaint narrative:
As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer.

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system.

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers. 


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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 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
This has been ongoing since XX/XX/XXXX. I purchased 2 pair of XXXX XXXX XXXX through the XXXX website in XX/XX/XXXX. I financed with affirm. I returned the shoes back within the time frame. XXXX didn't confirm my return up until XX/XX/XXXX, when i returned everything back in XXXX and XX/XX/XXXX, i have proof of XXXX return slips. I also paid XXXX back to ship one of the shoes back. Why is it my problem, that affirm decided to charge it off, and XXXX didn't confirm the return till 4 months later. I shouldn't be held responsible to pay affirm back. XXXX  should reimburse affirm and be in communication. I shouldn't be held liable for this, this has damaged my credit where i can not even get approved for a credit card, i went to lease my car back in XXXX and my payment was XXXX higher because of the charge off 'its a delinquent status '' if you see my credit report i have a XXXX payment history on everything. Please get this taken off, i need to get this taken off, and get compensated back, this has taken over my life, and once again it's ruined my credit. I can provide proof of emails stating XXXX confirmed my return later, and i also can provide proof of XXXX receipts showing i returned the 2 pair of shoes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: GA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, XXXX, and TransUnion have been reporting these accounts as derogatory listed below. 

In accordance with the Fair Credit Reporting Act, the three credit bureaus listed above violated my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are reporting as they are current, reporting as verified. I disputed with the credit bureaus about this matters at hand and nothing is done.

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 2023-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive sent Experian so many documents to verify my status as a human trafficking victim and to verify my identity and the representative assigned to me ; XXXX XXXX is doing everything in her power to not remove these items. Ive also filed a complaint with my Attorney General in my state. I was told on XX/XX/2023, I was told a supervisor would contact me within XXXX hours ; Ive yet to receive that call. According to the guidelines, once documentation is received they have XXXX business days to remove those adverse items. Every time I call its a different excuse or reason for why they cant remove these items. I feel like this all retaliation because of me speaking my mind about how the lack of professionalism from everyone at Experian and especially XXXX, who I asked to be removed from handling anything that involves me. My lawyer is also filing legal documentation for this because I was also misgendered while on the phone call. Then the XXXX, the person who claimed to be a supervisor, was also dismissive and didnt acknowledge anything about was i previously told and again I feel like everything that is now happening with my file is due to retaliation. Also, the agency that I went through will not be giving out any of my information to anyone. We can do everything through lawyers if this information isnt removed by XX/XX/2023. I have every single phone call recorded and I will use them.

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 2023-07-19 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: AL

Complaint narrative:
From XXXX - XX/XX/2023, I filed a dispute with XXXX, XXXX and Transunion about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. 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 2023-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
From XXXX - XX/XX/2023, I filed a dispute with XXXX, Equifax and XXXX about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, Experian, and XXXX have been reporting these accounts as derogatory listed below. 

In accordance with the Fair Credit Reporting Act, the three credit bureaus listed above violated my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are reporting as they are current, reporting as verified. I disputed with the credit bureaus about this matters at hand and nothing is done.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OR

Complaint narrative:
I closed an account with XXXX XXXX when I moved from Texas to Oregon. I returned all equipment, and the representative confirmed he closed my account as well as waived the last month 's fee as a token of " good luck '' moving across the country. I had the receipt reflecting both the return and the account being closed, as well as text communications with my wife of the great encounter I had at the store. They had made zero attempt to let me know that they did not in fact waive the last month regardless of the receipt and what the representative at the store said. This was in XXXX and they sent it to collections in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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:
XXXX XXXX XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.

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 2023-07-19 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: MN

Complaint narrative:
Contacted Transunion to put a credit freeze on my report for a fraudulent hard inquiry at XXXX on XX/XX/23 we were unable to resolve the issue in a satisfactory manor. 
My credit report as illegally accessed by 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 2023-07-19 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: CL Holdings LLC
State: TX

Complaint narrative:
As of XX/XX/2023, I have not been able to adequately provide and take care of my family. I opened a new checking and savings account XXXX of 2023, and when I the consumer went to take a look at my account in XXXX, it was frozen with a balance of XXXX XXXXXXXX. I received a payment of {$300.00} to those accounts after the action was taken. I am unaware of who the Debt Collector is, nor what debt they are trying to collect. HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was alerted by vendor on a fraud alert with Transition and the other two credit bureaus. 

I DID NOT Order nor authorized a credit freeze or fraud alert. I want them removed 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 explanation
Consumer complaint received 2023-07-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was trying to by a house and realize. I have damages on my credit report.According to the 15 usc, 1681, Law. There should not be any damages on my report it is a defamation to my character. Collections, inquiries, charge offs

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Within the week of XX/XX/2023, I got a mail from XXXX XXXX XXXX XXXX, offering I pay half ( {$1500.00} ) of a debt of ( {$3100.00} ) charged to a Capital One credit card. I called the capital one customer service to inform them that account was fraudulent. 
Within the week of XX/XX/2023, I received a mail stating that the company made an investigation and determined there was no sign of fraud. I called capital one customer service and was transferred to a supervisor who maintained the same claim. I requested the billing details and called their customer service to let them know they were defrauded. 
Within the week of XX/XX/2023, I received a letter from an another debt collector - XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX email them on XX/XX/2023. 
XX/XX/2023, I got a mail that Im being sued by Capital One. I filed XXXX answer on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 explanation