vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: MI

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX  ] [ XXXX ] Equifax : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] Balance : {$35000.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: MI

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX  ] [ XXXX ] Balance : {$35000.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1.The dispute for the account with XXXX XXXX for {$450.00} was a medical collection that based on the act that went into effect XX/XX/XXXX any medical collections below {$500.00} should not be reporting on credit report. I have asked multiple times to have this removed without success. 

Source : Experian Date Submitted : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Disputes XXXX, XXXX, XXXX Contact info Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Reported as late. 

XX/XX/XXXX reported as late Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX The above account was a XXXX account that has XXXX accounts attached to the credit card number. I made a payment to the correct account and they applied to the wrong account. 1 is a store account 1 is an XXXX account. I have requested multiple times for this to be corrected with no success.

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 2024-05-30 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: CA

Complaint narrative:
Ive tried to resolve this issue multiple times with the credit bureaus and after confirmation from XXXX XXXX it seems that it is on the credit bureaus end. They have provided all documentation that states they said to delete this adverse credit from my account it but they arent deleting 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive tried to resolve this issue multiple times with the credit bureaus and after confirmation from XXXX XXXX it seems that it is on the credit bureaus end. They have provided all documentation that states they said to delete this adverse credit from my account it but they arent deleting 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request the removal of a late payment remark on my account, which has significantly impacted my creditworthiness. 

Since that time, I have taken considerable steps to ensure that my payments are made promptly. I have always valued my relationship with these accounts and have otherwise maintained a good payment history. This isolated incident does not reflect my usual financial behavior and commitment to fulfilling my obligations. 

The presence of this late payment remark is continuously hurting my creditworthiness, affecting my ability to secure loans and favorable interest rates. Given my overall positive payment history and the specific circumstances surrounding the late payment, I kindly request that you reconsider and remove the late payment remark from my account.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll 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 2024-05-30 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have reached out to Midland multiple times to your races off of my credit report as they have not provided sufficient evidence to prove that this account belongs to me. There was no signatures provided or ID that was used to open this account. I have already filed identity theft case with the FTC And submitted documentation to Midland. They have failed to reach back to me, They have not provided any documentation with signatures or ideas requested. I have to block about five numbers a week from calling me because I do not stop calling from different area codes with different names. They have started to call my mothers phone number and all of my kids cell phone. My kids Are XXXX and XXXX. Both under age and they have called an integrated my kids for information How to get a hold of me. Yet they cant even prove that this information belongs to me. Harassment and phone calls have been going on continuously for months and months and months I would say for at least over a year and a half. They have multiple people in my family. I do not know Information but dont hesitate in the day and night

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 15 U.S Code 1681 C-2 section 605 B : Block of information resulting from identity theft. This collection account need to be removed from my credit report. 

1 ) Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX ) Account Name : XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX XXXX # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 15 U.S Code 1681 C-2 section 605 B : Block of information resulting from identity theft. This collection account need to be removed from my credit report. 

XXXX ) Account Name : XXXX XXXXXXXX XXXX  ( original creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # : XXXX XXXX ) Account Name : XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX Account # : 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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Reported fraudulent charges on my Barclays Aviator Advantage card. Barclays credited back the charges, but one of the merchants also credited back to the card. Now Barclays is charging me for their mistake. Put a debit of {$120.00} to make up for the double credits. That {$120.00} is now showing as my monthly payment. When I told them I am not paying for their mistake, they said they will charge interest and late fees. Ive spoken to them twice over the last few days. I didnt make any charges of {$120.00} and do not owe them that money. They are crooks.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete hard inquires bureau - Transunion XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XX/XX/XXXX Bureau - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bureau - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am victim of identity theft. This occurred the first time in XXXX XXXX, CA, The second time was in XXXX in XXXX, CA. The most recent identity theft was in XXXX by an employee that worked for our company and we filed a police report for this recent theft in 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-30 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On Wednesday XX/XX/year> I ordered airline tickets through XXXX XXXX from XXXX to XXXX XXXX. During the ordering process, a promotion for a Citi XXXX XXXX XXXX credit card appeared offering a {$400.00} statement credit when the total dollar amount for the flights was " Paid Today '' along with XXXX bonus miles. It also said " Offer available if you apply here today. '' I took advantage of the promotion expecting that the {$2200.00} charge would be immediately applied to the new credit card ( as shown in the promotion ) because I was instantly approved. I've had other credit card promotion experiences in the past where you can instantly apply the charge to the new line of credit, so that was the expectation. 

After the card was approved, the online transaction continued and the new credit card was not offered as a means of payment. I called and spoke with at least XXXX different people at Citi and XXXX XXXX trying to figure out why I could not apply the payment to the new card even though it was approved and the line of credit was open. I was advised that I would have to wait up to two weeks until the physical card came in the mail before I could use it for ordering my airline tickets. 

I was not in a position to wait to order the tickets as they had already gone up {$200.00} since the other people in our group ordered them just one day prior. Not to to mention I was already 90 % complete with the ordering process. The entire promotion was SO misleading- I would NOT have taken advantage of the promotion had I known I wouldn't be able to put the tickets on the Citi XXXX XXXX Credit Card at that exact time. There was NOTHING in the terms & conditions that said the card couldn't be used until the physical card arrived. I did a quick online search and it appears that other people have had this exact same experience with this credit card promotion!! Also, I requested a copy of the terms & conditions and did not receive any detailed information about the promotion that I was offered.

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 2024-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Wakefield and Associates- when I contacted them to dispute they told me that is something they DO NOT DO. Only one collection is on my credit report for {$1300.00} however after calling they told me the actual price is double and that I owe another amount of another {$1300.00}, making the total sum I owe {$2700.00}. Attempting to collect a breakdown of my bills they gave me wrongful information and complicated steps to complete in order to achieve receiving them, the telephone agent XXXX XXXX even messed up multiple times on purpose trying to explain the process. Proof of everything stated can be verified through their voice recording. They're unwilling to come to a dispute or any agreement and simply want to charge for their own benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX keep taking {$580.00} out of my Wells Fargo bank account, when I call XXXX they say I dont owe anything. They sent two letters claim I owe {$71.00} and they keep taking {$580.00} out of my account. Wells Fargo keep letting them take this money out of my my account. I filled a Consumer Fraud Complaints with XXXX to The Arizona Attorney General ( Confirmation # XXXX and the Federal Trade Commission XXXX Report Number XXXX ). 

The Wells Fargo Claims # is XXXX I believe this is Consumer Fraud and I am a victim of Fraud. XXXX keep my Deposit and keep charging me {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX and XXXX, several other toll free numbers with an XXXX or XXXX prefix, Unknown caller and No caller id calls. 

This company has been calling me for the past year, as recent as XX/XX/year>. They have called as early as XXXX XXXX  and even called after XXXX XXXX  in the evening. 

I have asked them several times not to call me for any reason and to remove my name from their list, and to communicate by writing as I have no debt with this company. Over 90 days ago, before I blocked their number for calling me, I asked for proof of any debt and to this date I have not received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Happy Money, Inc.
State: NY

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation