vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Since XXXX of XXXX I have closed this account with XXXX people and reported it to credit bueraus. They ( XXXX ) stated I had a balance and have charged me interest since XXXX of XXXX, when the account is and has been closed. I have spoken to ( XXXX ) since XX/XX/XXXX asking them to close account and why am I still being charged interest on a closed account XXXX XXXX {$71.00} was paid on balance of {$140.00} then another payment was paid XX/XX/XXXX for {$71.00} and Paid In Full no balance. did not recieve another statement until XX/XX/XXXX stating my balance was {$170.00} with payments totaling {$100.00} with a {$30.00} credit? oweing new balance of {$40.00}. I did not understand since 2 payments of XXXX were paid in XX/XX/XXXX, so I paid the {$40.00} in full and called to close account. I did that on XX/XX/XXXX talking with a person called XXXX and closed account @ XXXX XXXX XXXX I requested a confirmation email which I never recieved, then in XX/XX/XXXX I got a statement stating I had a balance of + {$62.00} and was charged a late fee and a past due amount for the total of owing {$62.00} with minimum payment of {$36.00}. I paid it in Full and once again I called to close account with XXXX, asking for confirmation. XXXX transfered me to XXXX spoke with XXXX XXXX and got XXXX  # XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX I spoke XX/XX/XXXX with XXXX because I had not yet recieved the email confirmation I was to recieve. Since then they have been emailing, calling, leaving messages and pretty much harrassing me to pay on a 3-4 x closed account. 
It has caused havic on my credit report, effected my score. 
Comenity Bank.XXXX has caused damage to my credit. 
I don't know what else to do. I am not a wealthy person and I am not going to continue paying this preditory company. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, TransUnion, XXXX and XXXX, Reference # XXXX and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Managers, Inc.
State: WA

Complaint narrative:
Grimm collection repeatedly called me. harassing me in regards to this debt asking me what I plan on doing about it failed to identify who they were until I said I was who they were looking for told me I needed to pay the debt asap before the amount gets to high and wages get garnished they are unprofessional and intimidating I had to block their number from them calling multiple times then they called from different numbers so I changed my number twice .... it's impossible to communicate with them cause they don't want to hear anything but when will you pay ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Account showed XXXX payments late so I contacted XXXX XXXX XXXX XXXX and disputed the charges and late fees as fraud. I received a letter in XXXX XXXX XXXX stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My XXXX showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Account showed XXXX payments late so I contacted XXXX XXXX XXXX XXXX and disputed the charges and late fees as fraud. I received a letter in XXXX XXXX XXXX stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My Equifax showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Payment was sent for account ending in XXXX for the amount owed at {$8100.00} via XXXX XXXX serial number ending XXXX. Payment was mailed via certified mail on XX/XX/XXXX to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 
Capital One credited Account ending in XXXX {$5.00} on XXXX XXXX XXXX Return receipt was received on XX/XX/XXXX. On XX/XX/XXXX, I contacted Capital One over the phone, speaking to multiple representatives concerning the payment error, and requested they correct the amount credited to the account. I was given the address to a payment dispute center for more information. The record of said conversation is available upon request. On XX/XX/XXXX Notice of Payment Tendered Packet was sent to Capital One XXXX XXXX XXXX, XXXX, NC XXXX, and a copy of all documents was sent to headquarters in care of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX Non - Response Letter was received on XX/XX/XXXX stating unlawful account restriction. Affidavit of Fault and Opportunity to Cure ( 2nd Notice ) was sent via certified mail to headquarters in care of XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. Capital One refused to credit my account the correct amount valued in my Negotiable Instruments or satisfy the balance as they accepted my instruments for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime Financial IncXXXX XXXX XXXX. Fraudulent account open. 

I have never opened any accounts with this institution, yet, I've received a series of emails regarding " my account '', email address changed, phone number changed. logged on activities..etc. 

I emailed the company asking them to investigate and close any fake accounts, but, I received 'please log on to your account to discuss this issue ''. Since I DID NOT open any account, I am not sure how am I to " log on '' to any account.? 

This is clearly a fraud activity and is leading to an identity theft situation. 

Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2023-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX BALANCE {$1300.00} and XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/ BALANCE {$680.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 


XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$2200.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX XXXX  Balance {$3900.00}

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 non-monetary relief
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00} and XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX  BALANCE {$0.00}. Please remove.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The address on the XXXX XXXX XXXX XXXX account does not match the address on my utility bill. Update this account to never late/closed or remove the account completely for failing to follow the Fair Credit Reporting Act.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
To whom it may concern Transunion, XXXX, XXXX The following inquiries were not authorized by me please delete them I have never 1. XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX -Account # XXXX 3.XXXX XXXX XXXX Account # XXXX 4.XXXX XXXXAccount # XXXX 5.XXXX Account # XXXX 6.XXXX XXXX 7XXXX-Account # XXXX 8.XXXX XXXX-Account # XXXX 9.XXXX XXXX-Account # XXXX 10.XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit.

Thank you for your cooperation

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The address on the XXXX XXXX XXXX XXXX account does not match the address on my utility bill. Update this account to never late/closed or remove the account completely for failing to follow the Fair Credit Reporting Act.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The address on the XXXX XXXX XXXX XXXX account does not match the address on my utility bill. Update this account to never late/closed or remove the account completely for failing to follow the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 explanation
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XXXX  Balance : {$0.00}

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 non-monetary relief