vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11.15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this 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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian have violated my FCRA consumer rights to ensure these incorrect negative reported items are removed from my consumer credit report. XXXX has incorrectly reported my payment history in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Both credit bureaus have different and incorrect information. I was never late with payments with XXXX XXXX. I made payment arrangements and XXXX agreed to not report my payments as delinquent.

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 2023-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX. My account number with Comenity/Childrens Place ends in XXXX. I am filing a complaint against Comenity/ The Childrens Place credit card company for unfair lending and credit practices. I had not realized I was primarily paying Late fees, interest charges, and insurance on this account. I am in the process of getting the fraudulent Account Assure that was placed on my account without my approval credited back. On, Friday, XX/XX/2023, I talked with a supervisor named XXXX. She stated that she was a supervisor of the Sr. Account Specialists. I explained how it is unfair that I have been paying nothing but, Late fees, interest, and insurance charges. I asked if there was a way they could refund some of these fees and she said no. I am contacting the Consumer Financial Protection Bureau in hopes that Comenity will help rectify this serious injustice. I think it is only fair that they credit these fees to clear my account to a XXXX balance. I have attached a copy of the transaction supporting my statements. Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/XXXX I fell victim of a scam that my banking institution is very aware of as I was told they get numerous calls a day about this scam that's going on. The scam is that there are people posing as loan companies or loan officers that convincingly get you to give your login information. Once they have it they start disputing transactions without you having knowledge off it and getting the credits somehow. Even though it's the customers account the customer isn't receiving these credits the scammers are. The customers are unaware that there are transactions being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  elaborate Ponzi scheme. I have been working with XXXX XXXX XXXX, until his retirement. 

I am trying to communicate with my lender ( Navy Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX XXXX. 


The case number for the open Federal Investigation involving this matter is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and his email is XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB, I am writing to bring to your attention a matter of utmost importance that has significantly impacted my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and ensuring that justice is served. 

Violation of FCRA : Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( A ), Section 604 ( a ) ( 2 ), Section 611, Section 623 ) On XX/XX/XXXX, my life took an unexpected and painful turn when I discovered an unauthorized credit inquiry made by XXXX on my credit report. This inquiry has had far-reaching consequences, not just financially but emotionally as well. I want to share with you the emotional toll this has taken on me. 

Imagine the shock of realizing that someone had accessed your financial history without your consent. The sense of violation and intrusion is hard to put into words. I have always been diligent about protecting my financial information, and to have it compromised in such a manner has shaken my trust in the system. 

This unauthorized inquiry has had a ripple effect on my life. It has resulted in an unjust decrease in my credit score, making it difficult for me to secure favorable terms on loans and credit lines. As a result, I've faced obstacles in securing affordable housing and even employment opportunities that require a credit check. It has created an overwhelming sense of frustration, XXXX, and helplessness. 

I have taken all the necessary steps to dispute this unauthorized inquiry, and I appreciate the initial response from the credit reporting agency. However, I now seek your intervention to ensure that my rights under the FCRA are fully enforced. I kindly request that you investigate this matter thoroughly and compel XXXX to rectify this violation. 

Furthermore, I urge the removal of unverified accounts from my credit report, as these inaccuracies are unfairly impacting my financial standing. This would not only bring a sense of justice but also help me rebuild my life and regain some semblance of normalcy. 

I implore you to consider the emotional turmoil and financial hardship I have endured due to this situation. My hope is that through your intervention, justice will be served, and I can move forward with confidence in the credit reporting system. 

I kindly request your prompt attention to this matter and will provide any necessary documentation to support my case. Please keep me informed of the progress of your investigation and any actions taken. 

Thank you for your assistance in ensuring that my rights as a consumer are upheld and that the credit reporting system is held accountable for its actions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This complaint is against XXXX XXXX XXXX the Make Believe Wells Fargo Executive Office whose number is XXXX XXXX XXXX. Because in reality theyre only Customer Service Representatives to whom works from a small cubicle and puts on false appearances. However XXXX XXXX continues to call and harass me despite her already knowing that theres a legal third party involved in which these play actors refuses to contact and what theyre stating is the contrary to what their legal representatives have presented. Now today during a conversation with a Wells Fargo Employee after I did my part in paying the first months mortgage of {$1000.00}. All of a sudden Im told on this evening that theres a Sheriff Sale Date on my residence. So in reality I was lied to and Im requesting that these Con Artist Executives stop calling me after already knowing that they had already sent out the letter. This is nothing but basic stupidity and racism because they thinks that XXXX are stupid, can not think for themselves. And theyve been sued by the City Of XXXX for their fraudulent activities towards minorities. And make note of the 3 attachments in which absolutely nothing has been done to this day to remove XXXX XXXX from this Mortage Title. To whom first committed fraud with the Mortage Note and forging the XXXX XXXX XXXXXXXX XXXX  Refinance Check in my name in which this fraudulent bank actually put XXXX as my last name on the check. Isnt That Fraud? Then during a recent conversation a white employee degraded me by indirectly stating that I may not complete the Loan Modification. Then why did they approve me for it? Smh

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 2023-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp.
State: IL

Complaint narrative:
Hello Im reaching out for a case that I have already filed against Aspen financial. Previous case number- XXXX. 
This is not correct and I do not agree with what Aspen Financial responded with. They sent over information that could easily be auto generated with my information. This is identity theft. I have never opened any account with this company. I have never received any kind of information about this account until XXXX, which I quickly responded to as this took a major hit to my credit. The response from Aspen financial is fabricated and is fraudulent. 
I have asked where did the funds get sent if this was legitimate? Why has this never hit my credit until XXXX  if it was opened along time ago? None of my questions have been answered. Aspen Financial sent over documentation that is fraudulent and not mine. I would like this to be investigated more as this was not me who opened this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer XXXX report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2023-09-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased a laptop at an Apple Store on XX/XX/2023. The total cost of this purchase was {$4200.00}. I chose to finance the card using an Apple Card which I opened at the time. On XX/XX/2023 I was charged for the above amount. However, when I reviewed the billing statement for the card, the total amount due was {$4600.00}. It seems in addition to the cost above I was charged an additional amount of {$360.00}. I called Apple Card to clarify why I was charged this amount, and they were unable to tell me why. They recommended calling Apple directly, which I did. They were also unable to tell me why I was charge the {$360.00} amount. My receipt does not list this purchase amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIERIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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:
I am writing to dispute certain inquiries listed on my recent credit report, which I obtained from your agency. After carefully reviewing the report, I have identified several inquiries that I believe should not be included in my credit history. 
Below are the details of the disputed inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 I understand that credit inquiries can impact my credit score, and I am concerned about the negative effects these inquiries may have on my financial profile. I have not authorized any of the above inquiries and believe they are inaccurate or unauthorized. 

I kindly request that you investigate these inquiries and provide a response as soon as possible. If these inquiries can not be verified as legitimate, I request that they be removed from my credit report to ensure the accuracy of my credit history. 
If you require any further information from me to expedite this process, please do not hesitate to contact me at

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a saving account with bank of America. Due to pandemic hardship, I need money to pay my bills. I asked my brother to lend me {$2000.00} and wire to my saving account. Right after the money was in, {$990.00} was taken out of my saving account by BOA without any authorization. I disputed immediately. BOA sent me a letter stating that they took my money to offset a business credit card ending XXXX. I never had a business credit card ended with that number. I called many times to dispute, and only get transferred from one representative to another. I requested my money back to pay my bills. They refused to refund me. 

I have explained to them that is no my account. Further, they are not allowed to take money out from my saving account to cover for credit card. They still refuse to refund me. 

I need help from your guys to ask them to refund me immediately so that i can pay my bills.

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 monetary relief
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-09-01 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation