vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I wanted to reach out and let you know my experience with one of the big three credit checking agencies to ensure I was checking my bases and doing my yearly credit check with Experian. Nothing was off with my credit score, but a few weeks later I receive a charge from Experian on their month membership. I had to put in my credit card information to get my credit score, but it did not tell me it would sign me up for its reoccurring membership of {$25.00} or {$300.00} dollars a year. I called and they granted me a " pass '' this time since they " can not refund membership fees ''. This seems wrong when the FTC advocates for this group as a resource for the American people.

To note, I looked to ensure I would not be signed up or charged when putting in my credit card information. As well, none of the confirmation emails sent to me had any indication that I was signed up as a premium member. Also, when trying to change my membership, there was only one small hyperlink at the bottom of the page that allowed me to do so on the page.

For one of the big three credit report sights, this seems low and scummy to charge when they are required to give us a free report once a year. It feels like prey tactics and if it is common knowledge to use this company then I think that this tactic is unethical and preying on individuals. 


Thank you for your time and hope you can take this to the proper channel to ( This was XX/XX/2021 when I summitted this to the FTC and they pointed me to this agency ) Now today ( XX/XX/2021 ) I get a notice from my place of employment that there was a data breach with my information and it tells me to the go the the Experianidworks.com page to sign up for a year of protection. I put in the same information I did on Experian 's main page, and it will not let me log in. I got through the process of getting my password reset, and the recovery system is not the same of the recovery system I just used on their main site. To me it is making me think that Experian is making it harder to get into their system on purpose so that you will not use the free system provided to you, and I you can not access the Experianworks page on their main site to enter your activation code unless you put in your credit card 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 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: MS

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

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 2021-07-06 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a problem I seem to be having more and more frequently when using a credit or debit card. I make a purchase, for some reason am not satisfied with the item purchased, return it, receive a credit, and then have to wait an undefined number of days for the credit to appear on my account. This, of course, affects the status of my account and balance in real time. I simply do not understand why charges appear on a credit card or debit card account immediately, but credits take an undefined number of days -- sometimes more than a week -- to appear on the account. The retailer claims the fault is the bank administering the credit or debit card, and the bank claims they can not issue a credit until they receive it from the retailer. This makes no sense since both purchases and credits are done electronically and should occur immediately, as purchases currently do. 

Another illustration of this dilemma is the " holding '' fees hotels and car rental companies are now imposing on credit or debit cards. As recently as last year, I would make a reservation at a hotel with a credit or debit card to hold the reservation, arrive, complete my stay, and pay my bill on departure. There never was any so-called " holding '' fee. The same was true for car rentals. Now both hotels and car rental companies are imposing " holding '' fees on reservations and rentals and supposedly " returning '' those holding fees at the end of the hotel stay or the car rental. The problem is the money is NOT returned immediately, is HELD for an unspecified number of days, and the account is left in a sort of limbo until the money is returned or credited back to the account. 

This imposes real time costs on the status and balance of an account, affecting a credit or debit card holder 's ability to use the credit or debit card. 

The credit card at issue in my case is Citibank 's American Airlines AAdvantage Master Card and the debit card is the VISA card linked to my XXXX XXXX checking account, but I suspect that this relatively new practice is being used by credit and debit card issuers across the board. 

Please look into the legality of this practice, which allows, in the case of a debit card, the issuer to hold on to a customer 's own deposited checking account money, and deprive the customer of the use of that money for an unspecified amount of time.

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 2021-07-06 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: TX

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: ND

Complaint narrative:
We have 3-business VISA accounts and 1-personal account, our charges each month on all the cards is often in the tens of thousands of dollars, but we do not make monthly payments, our balances are paid off 100 % each month. The Credit Reports make it look like we have a considerable amount of debt and are making monthly payments, when we actually have none, other than one mortgage through our company XXXX XXXX, XXXX, for the XXXXXXXX XXXX in downtown XXXX, XXXX. We have no personal mortgage debt on our 2 homes and 2 condos. We have been trying to increase our CC limit to {$100000.00} as we are in the process of furnishing our XXXX XXXXXXXX XXXX home that we have just built and will be making significant furniture purchases. Regardless of our monthly expenditures the full balance will always be paid off. 

XXXX XXXX relies on the credit report to justify a credit increase, it is ludicrous for them not to look in-house to know we never carry over a balance. Why they rely on the credit service makes no sense under these circumstances.

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 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XXXX charged me {$390.00}, no knowledge of the transaction, disputed with NFCU, and provided a statement no further information can be provided. However, they still closed the claim, claiming no error has been found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, XXXX, XXXX, and Transunion. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XX/XX/XXXX )XXXX XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.

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 2021-07-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, Experian, XXXX, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XXXX  ), CREDIT PLUS ( XX/XX/XXXX ), and ALLY FINANCIAL ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.

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 2021-07-06 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: Remex, Inc.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation