vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I call Bank Of America Visa credit card XXXX to get a balance owed in order to close my account. ( Approximately XXXX XXXX XXXX We sent a bank check for the full amount with tracking XXXX. It was signed and received on XX/XX/XXXX. It was not applied until XX/XX/XXXX. On or about XX/XX/XXXX I noticed interest charges only of approximately {$140.00} applied to my closed account. A supervisor forgave the interest because of the delay in processing. The next day I confirmed that by closed account had {$0.00} balance. On XX/XX/XXXX I received notification that I owed {$47.00}. The explanation I received except from the fine print was that when I asked to close the account I should have asked for amount owed plus interest. It has taken me a full XXXX  to XXXX  what I owed because I kept accruing interest and have no details on how they are calculating 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 2024-01-25 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : 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 2024-01-25 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : 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 2024-01-25 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: IL

Complaint narrative:
In accordance with USC FCRA 605B, it is crucial to promptly remove this account. I am quite frustrated that it is showing up on my credit record, so I earnestly request you to erase this account as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on 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
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a notice that my Fixed Rate APR will be changing in less than XXXX XXXX. My options are to deal with it, or close the account. They have told me only that " market conditions '' have caused them to raise rates across the board and that the prime rate has affected it. Since the prime rate has not raised XXXX XXXX  ( they are changing my APR from XXXX XXXX to XXXX XXXX  ) I asked for further clarity as well as a formal response to my complaint. They refused to give any sort of confirmation or tracking for my complaint, stating that they don't have that capability and that my feedback " has been recorded '', though there is no way for me to access that information. It's absolutely disgusting that they can raise rates this much with just XXXX or so XXXX  until it goes into effect. Citigroup is not hurting financially.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My entire family : Husband- 2 adult daughters completed the XXXXXXXX XXXX  request form. We all requested the 3 copies from the 3 CRA. 
We all received XXXX XXXX XXXX but None of us has received the report from EQUIFAX. We requested the reports at the end of XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: NC

Complaint narrative:
I rented a unit at XXXX XXXX. While installing cabinets in the unit above me. They put a screw into a pipe that leaked down into my unit ruining the carpet. They never replaced the carpet When moving out, they tried to charge me for the carpet, and I refuse to pay. 
I emailed you all the evidence and action was taken removing the bill submitted by XXXX XXXX XXXX Now the exact same bill is up again under a different name fox collections After all my work and spending XXXX dollars to make copies and email everything to you what good does it do if these people resubmit under a different name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX  my checking and credit account were closed by Wells Fargo due to fraudulent activity. I reported fraud and was a victim of fraud so Wells Fargo closed my account. I still had an unpaid balance due on my credit account. When my account was closed I was unable to make payments online through the app. As a result, I tried to make payments through the phone and was told by the representative that they could not access my account because it is closed and I would have to go in person to a branch to find a way to make a payment. I went to the branch in XXXX  XXXX, CA and was essentially told the same thing that I was unable to reach this closed account. I continuously tried to find a way to reach my closed account and make my payments both in person at branches and over the phone but unfortunately was denied. The unpaid balance kept weighing on my credit account in which I eventually disputed and it was removed but now after time it appears on one of my credit reports again ( XXXX ). Can I please have this removed from all credit reports as I was a victim of fraud and should not be penalized via 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 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was a victim of fraud.There were items purchased on my Ulta card that I did not purchase and I did not even have my Ulta card because I had lost it. I had told the debt agency this and they did not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I tried to contact the company multiple  times XXXX. The phones lines are not working

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on 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
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I apply to Citi Bank saving account on XX/XX/XXXX and get rejection letter in couple of days. I give a call to number provided in the letter ( XXXX ) and was explain that further verification required. After spending couple of hours on the phone : providing all info requested and signing documents via XXXX, I was explained that my application accepted. I received a pin code for new debit card on XX/XX/XXXX ( and expected debit card in a couple of days ). Today, I received another rejection letter ( reason : unable to verify information, file number XXXX ). I give a call to XXXX XXXX  again ( XXXX, fraud protection team ) and was explain that application could be ONLY PROCESSED in the branch office!!! 

Customers should be explained that account could be opened ONLY in the CITY BRANCH OFFICES ( why then they have a button apply online / and phone number to create new accounts )?

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 2024-01-25 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Acceptance Corp have been on my credit report for 7 years as of XXXX XXXX XXXX and they are making me stress and putting false thing on all my credit and reporting it will not be removed until XXXX which is what going on with this company and reporting this to my banks putting 5 late payment and 11 collection and and report one Default loan on XX/XX/XXXX I did not apply for any loan with this company on XX/XX/XXXX I want them to be removed I not allow company this retaliation against me nor pully me in anyway I will write my Governor XXXX XXXX in my state of Virginia and let him know what is going on with this company and XXXX  to do this to me is this person working with Credit acceptance are they paying someone to do this in the credit bureau because it is not on XXXX or XXXX but all the other credit agency have it posted I have been finding this on a lot of credit agency .This is not a new credit it is 7 years old XXXX XXXXhis should be removed as of XX/XX/XXXXXXXX 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 2024-01-25 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: MN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX MILESTONE ) ( XXXX XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your XXXX  and XXXX, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX XXXX of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
The following inquires that appeared on my TransUnion credit report that i did not make and are Unauthorized, i requested for removal over and over again and they refuse to remove it.. 

( XXXX - XX/XX/XXXX ), ( XXXX XXXX Services - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), ( XXXX XXXX - XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX Via XXXX XX/XX/XXXX ) I kindly request that you provide detailed information about the entities or individuals who have accessed my credit report, including their names and addresses, along with the permissible purpose for each inquiry.

It is my understanding that under 15 USC 1681b, my consent is required for inquiries made for purposes other than those expressly allowed by law.

I do not recognize these lenders and i did not authorize them to perform a hard inquiry on my credit report by the provisions of the fair credit reporting act, i demand these items be investigated and removed from my report, under 15 U.S.C. Sec. 1681i ( a ), you must complete this within XXXX XXXX.

This is outright fraud and I have filed with the FTC my next step is to take legal action against 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 2024-01-25 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: IN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-25 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: IN

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
I have repeatedly on the telephone told these people that I never contracted the XXXX small debts that are assigning to me. It is either an identity mix-up or some other form of fraud. These debts, though small, now appear on my credit reports. When I tried to get help with this from them, they took my personal information and then tried to charge me a dollar to verify my identity. Not only am I uneasy about having given them this information, I now wonder if it isn't perhaps a scam of some sort. Is it possible they come after seniors with bogus debts and then use this premise to get their personal information for nefarious purposes? Here I am minding my own business and paying all my bills like a decent person and suddenly I have to deal with this nonsense. The XXXX charges were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX 2024.

Company response to consumer: Closed with explanation