vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: CA

Complaint narrative:
I was recently Incarcerated from XX/XX/year> thru XX/XX/year> During this time period my vehicle was stolen with my wallet and cell phone in it which I filed an insurance claim and police report. 

Whoever stole my vehicle got into my phone and gained access to my XXXX XXXX card account and various other accounts like cash app and other banking accounts, the XXXX account was the one I had my Insurance Payout going to for my insurance claim from XXXX XXXX XXXX, someone got into my account and transfered and spent over {$XXXX} out of my account, I filed a police report about this and contacted XXXX and explained what happened, they kept telling me that They can't do anything.because it appears that I authorized the transactions because of course they came from my phone, I told them there is no way I authorized them because I was in jail and my stuff had been stolen, they told me that I am at fault and they can't not fix helpe get back my money, they also lack customer service that I could even talk to on the phone. I SEVERAL times to explain to them show them.proof I was.in jail and that I did not authorized any of these transactions but they keep telling me that I'm at fault, none.of the transactions are debit with the pin they are l All transfers to cash app and credit transactions where you don't need any kind of pin and my accounts were all logged.into the phone that was.stolen with my wallet with the debit cards. I NEED TO resolve this its been months.of them not helping me and I.dont.know.what to do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnist a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on credit card account under an open end consumer plan as late for and a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting 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:
Please see attachment since is for multiple errors reported in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
Subject : Unauthorized Credit Inquiries Dispute Good Evening, I recently reviewed my credit report and discovered several unauthorized inquiries from the following companies that I did not authorize. These inquiries are fraudulent, and I am requesting their immediate removal. The details are listed below : XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry dates XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX Please let me know if you have any questions or need further clarification. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: Global Lending Services LLC
State: IN

Complaint narrative:
Subject : Unauthorized Credit Inquiries Dispute Good Evening, I recently reviewed my credit report and discovered several unauthorized inquiries from the following companies that I did not authorize. These inquiries are fraudulent, and I am requesting their immediate removal. The details are listed below : XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry dates XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry dates : XX/XX/XXXX, XX/XX/XXXX Please let me know if you have any questions or need further clarification. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$25000.00}

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 2024-12-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2024, I ordered movies from XXXX XXXX {$XXXX} and {$XXXX}. 

I never recieved the shipment of the movies and at the time I was in the hospital due to being elder abused and attacked at a XXXX. 

I contacted XXXX, a XXXX representative who informed me that I would be credited with the charges totaling {$XXXX} and $ XXXX would not need to pay for the movies. He confirmed I did not recieve the shipment of movies. See attached recording of the call. 

I contacted XXXX XXXX ( XXXX  ) who also informed me by letters that they investigated my dispute and would credit charges totaling {$XXXX} and {$XXXX}. See attached letters. 

XXXX  refused to credit the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX BANK ACCOUNT # XXXX AMOUNT {$XXXX} XXXX  XXXX BANK RAN OFF THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THAT THIS ACCOUNT IS NOT ACCURATE AND IT SHOULD SHOW A XXXX BALANCE

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 2024-12-16 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I can not see my updated credit report, only shows credit report as of XX/XX/XXXX. Believe my profile is split, and data needs to be removed in order for actual real time scores to be seen. I believe that my social security number has been removed from account and needs to be added back, as I can not get any information inside the equifax app or website when I log in. 

Reference case number XXXX that was given XX/XX/XXXX by call representative that stated there was a issue with my profile and information and that it needed to be worked on further. No answer on this information. 

My current information to be added so my profile can be seen and credit scores be obtained by equifax is : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Phone : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX  XXXX is attempting to collect an old debt that they have already written off a few years ago. They served me with a summons to appear in court for some time in XXXX of XXXX. This is already a charge off for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below 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 XXXXXXXX These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$25000.00}

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 2024-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ACCOUNT # XXXX XX/XX/year> AMOUNT {$XXXX} XXXX RAN OFF THIS ACCOUNT AS A LOSS ( CHARGE OFF ), IT SHOULD HAVE NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THIS ACCOUNT IS NOT ACCURATE AND IR SHOULD SHOW A XXXX BALANCE.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My wallet and SSN was lost and have been a victim of identity theft still to this day. I called to remove inquiries in XXXX, XXXX, & XXXX, said company said that a FTC report is needed to remove inquiries. FTC report was sent in and said company is stating of not receiving it. Will not remove inquiries from report after non stop reportings. They will not remove them over the phone but also will not admit to receiving information that was sent in.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like this item investigated l. The inaccuracies are highly injurious to my XXXX XXXX. 
Account XXXX XXXX XXXXXXXX XXXX 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 the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like this item investigated l. The inaccuracies are highly injurious to my XXXX XXXX. 
Account XXXX XXXX XXXXXXXX XXXX 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 the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank 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 explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it 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 explanation
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Late Payments and Privacy Violations I am writing to formally dispute inaccuracies on my credit report as provided by Equifax, XXXX, and XXXX. Specifically, I have identified incorrect late payment entries that are both inaccurate and unjustified. 

Incorrect Late Payments : The reported late payments are inaccurate. I have consistently fulfilled my financial obligations, and these entries are damaging to my credit profile. 

XXXX XXXX XXXX - XX/XX/year> - PAID IN FULL - CLOSED XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX XXXX CLOSED Furthermore, I am deeply concerned about the recent Equifax data breach XXXX in which my private and sensitive information was exposed without my consent. This constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). I expect Equifax to take full accountability for safeguarding my personal information and to rectify any misuse that has resulted from this exposure.

Company response to consumer: Closed with non-monetary relief