vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a dispute about several unauthorized inquiries that appeared on my credit report. According to my most recent credit report, there are several inquiries made by numerous companies that I do not recognize nor have authorized. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have also checked my own records and do not have any accounts or applications with these companies. Therefore, I find it unusual that there are inquiries made in my name. 

Please provide me with written confirmation that these unauthorized inquiries have been removed from my credit report. I also request that you inform me of any actions you take regarding this matter. 

Thank you for your immediate attention to this dispute. 

Sincerely, 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 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, one of the major credit reporting agencies, for failure to correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have been disputing the following accounts with Experian for some time, but they have yet to be removed from my credit report, causing significant harm to my credit score and overall financial wellbeing : Collection account XXXX XXXX XXXX. Account number XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX XXXX  XXXX XXXX. Account number XXXX XXXX. Account Number XXXX AXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX. Account Number XXXX XXXX XXXX. Account Number XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX I am in the process of trying to purchase a home, and these inaccurate accounts are negatively affecting my creditworthiness, making it difficult for me to obtain financing for my home purchase. Despite providing documentation to support my dispute, Experian has failed to take the appropriate steps to correct my credit report as required under the FCRA. 

I request that you investigate this matter and take the necessary steps to ensure that Experian complies with the FCRA and removes these inaccurate accounts from my credit report. Additionally, I request that you prioritize this investigation, as the inaccurate information is impacting my ability to purchase a home. 

Thank you for your assistance in this matter.

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 2023-04-16 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: NM

Complaint narrative:
My XXXX and TransUnion credit reports are having trouble correcting false information that XXXX XXXX has imputed to my credit reports. I never had 2 loans with 2 sets of identical data ( late payments from XXXX XXXX XXXX to XXXX of XXXX ). The story starts off with me disputing the Late payments on ONE ACCOUNT with XXXX XXXX  that resulted from XXXX purchasing loans from XXXX XXXX XXXX XXXX. The LATE PAYENTS were resolved and erased from my XXXX report. Unfortunately TransUnion and XXXX are still showing the late payments AND AS TWO DIFFERENT LOANS but with identical late payment information. As you can imagine my credit scores on these credit reports are HAVING A DOUBLE EFFECT because of this error. I've send several CERTIFIED LETTERS XXXX XXXX but to no avail. IN SUMMARY, XXXX XXXX somehow can't understand the showing two loans ( one that I never had is a violation of the Fair Credit Reporting Act! I've called representatives there and they can not seem to UNDERSTAND that i never had 2 loans BESIDES THE ONE THAT WAS PURCHASED FROM XXXX XXXX XXXX LAST YEAR ( XXXX XXXX Loan Number XXXX ). Therefore, i have 2 sets of late payments for the same months ... .the other loan they are reporting is under the titles of PERSONAL CREDIT PLAN or XXXX XXXX XXXX XXXX XXXX ( WHICH I NEVER EVER HAD ) but you can tell from the report that reporting data and lates ARE the same even though they are listing two different account numbers. So i'm alerting the CFPB before i reach out to my attorney and costs me money. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX has caused me adverse action by telling Wells Fargo Bank and XXXX XXXX bank that I do not have a credit score. XXXX has caused me financial hard through adverse action by reporting inaccurately to these companies. As a result I have been damaged in the amount of {$100000.00} in the form a Wells Fargo loan that I was denied for and a XXXX XXXX worth {$60000.00} that I was denied. This was all because XXXX gave the companies inaccurate and unverifiable 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 explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is my deceased mothers credit card, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. I am her executor. 
My mother died in XXXX and I contacted Comenity Bank numerous times and advised them of her death and inability to pay her credit card. At the time of her death, she had no money left. 

She had no estate. 

I sent documents of the above information with the death certificate. 

Comenity Bank calls me constantly daily, this is harassment. I have spoken to several people there and the debt continues to be unresolved. 

The constant phone calls are harassment and they need to stop. It is not my debt. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Was attracted to Citi 's promotional credit card deal involving 0 % APR for balance transfers and applied, was accepted, but never received a physical card in the mail. Applied in late XX/XX/2023, and called in mid-XXXX  to check on the status. It was told to me that the card was sent to the wrong address and that a new card would be sent and provided and confirmed the correct address. Since my address is in the US and is a XXXX XXXX , I was very clear on which delivery method is used as a physical address would be needed for 3rd party sends. After that long hold, multiple transfers, the same result no card. Unable to set up an online account to make payments without a 16-digit number I now have payment due and no way to get online to pay. Another call in mid-XXXX, this one 2 hours and 10 minutes just to get assistance to log on to pay. Transferred 4 times, explaining the same situation, made an online payment to ensure not late, and still have no access to an online account and was told that I would need to call in monthly payments. Is this a way to make paying harder to receive more revenue through late fees?? Shocking the lack of assistance here with no clear solution.

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 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app takes money without any trace of it. 
It should be common sense that if I start with {$100.00} in a time frame and spend {$10.00}, {$22.00} and {$7.00} then I should minimally still have ( with or without fees ) {$61.00} dollars unless fees are associated. Fees cost {$2.00} per transaction. That would be {$7.00} in total fees. There should be a minimal balance of {$53.00}. However, on several occasions I get a text stating I made a Purchase for X amount not once or twice but three consecutive messages stating I made a purchase. My ending balance will be {$1.00}. Once, it was actually closer to accurate at {$15.00}. Where, how does that add up. It doesn't, and never does.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-16 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: FL

Complaint narrative:
I submitted a letter to XXXX, XXXX and transunion to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile

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 2023-04-16 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: FL

Complaint narrative:
I submitted a letter to XXXX, Equifax and XXXX to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I used my credit on XXXX th to pay back a small loan, never ever used this card to handle or withdraw any cash! I just Received my statement today and not only Capital One charged me {$10.00} fee for '' cash advance '' but also they withheld my money twice and never ever disclosed ajupf these terms to me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
On XX/XX/XXXX I called my credit card company to remove a restriction they placed on my account without my consent or knowledge. During the verification process to get access to my account the representative requested my private info ex ssn, DOB etc. I asked if I could be verified another way because I am not co comfortable with providing my private information and I was told NO there is no other way. I find this to be very disturbing and careless of the company. I do not want to be verified my by private information each time I call customer care. Id like to know what the rules are for verification process on a credit card company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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:
I paid this Credit Card ( line of Credit ) off in full and closed the account. 
I filed for bankruptcy and found that this company had misreported my credit line that I went over my amount and that I put it in my bankruptcy. 
When I called to tell them they disconnected me, When I filed a dispute on the three credit bureaus they still are reporting as put in my bankruptcy, when it was not along with showing my line of credit at the wrong amount and that I used more than my credit limit. 
I just looked up this account and see the account is till open and has been reduced to XXXX dollars.

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 2023-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a letter to Experian, XXXX and XXXX to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile

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 2023-04-16 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my XXXXights.15 usc1681 section 602a states I have the rights to privacy,15 usc1681 604a section 2 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 explanation
Consumer complaint received 2023-04-16 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: World Acceptance Corporation
State: NM

Complaint narrative:
My XXXX and XXXX credit reports are having trouble correcting false information that World Finance has imputed to my credit reports. I never had 2 loans with 2 sets of identical data ( late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The story starts off with me disputing the Late payments on ONE ACCOUNT with World Finance that resulted from World purchasing loans from XXXX XXXX XXXX XXXX. The LATE PAYENTS were resolved and erased from my XXXX report. Unfortunately XXXX and XXXX are still showing the late payments AND AS TWO DIFFERENT LOANS but with identical late payment information. As you can imagine my credit scores on these credit reports are HAVING A DOUBLE EFFECT because of this error. I've send several CERTIFIED LETTERS WORLD FINANCE but to no avail. IN SUMMARY, WORLD FINANCE somehow can't understand the showing two loans ( one that I never had is a violation of the Fair Credit Reporting Act! I've called representatives there and they can not seem to UNDERSTAND that i never had 2 loans BESIDES THE ONE THAT WAS PURCHASED FROM XXXX XXXX XXXX LAST YEAR ( World Finance Loan Number XXXX ). Therefore, i have 2 sets of late payments for the same months ... .the other loan they are reporting is under the titles of PERSONAL CREDIT PLAN or WORLD FINANCE CORPORATION-LOAN XXXX XXXX ( WHICH I NEVER EVER HAD ) but you can tell from the report that reporting data and lates ARE the same even though they are listing two different account numbers. So i'm alerting the CFPB before i reach out to my attorney and costs me money. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion failed to update information regarding my name, and information contained in my report relating to balances

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX never did I ever lived at this location paid off the debt and was told if paid in full it would be deleted from credit report.. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX this account was sold or moved with out my notice during deployment from the us arm services and went over due. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Remarks Charged off as bad debt. Canceled by credit grantor. this was charged off with wrong dates and wrong name Still showing inaccurate information on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation