vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
My account had its auto payment removed. Neither I or my wife made any adjustments. When I contacted XXXX XXXX I was told they did not either. As a result payment for XXXX and XXXX payments were not made. I recognized this when I got an alert advising that I have missed two payments. 

This missed payments was no fault of ours, as soon as we got this alert I contacted the bank and made the payment ( XX/XX/2024 ) My account was reported as 30 days past due in XXXX of XXXX which is inaccurate XXXX had on 29 days, as a result we only had XXXX XXXX XXXX days

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed with XXXX XXXX and experian and XXXX XXXX. My negative account for a credit card I paid in full and closed is still negatively impacting my XXXX XXXX even though its been over 10 years

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 2024-03-22 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: UT

Complaint narrative:
This account was charged off XX/XX/2020. Then the report was repeatedly updated every month as charged off for 22 consecutive months in a row. A charged off account should NOT include an active payment history after the date it was charged off. This information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 explanation
Consumer complaint received 2024-03-22 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 formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: NC

Complaint narrative:
I have been trying to cancel my account with this company, and they have made it impossible. They continue to withdraw money from my account with the most recent withdrawals being XX/XX/XXXX for {$76.00} and XX/XX/XXXX {$67.00} XX/XX/XXXX XXXX they currently have {$180.00} withdrawals from my Checking account and Ive asked him yesterday through text message if they could please help me cancel my account. You can only reach them by text message and the response was a email thread showing me how to cancel it. The problem is you have to have a XXXX XXXX balance and when they continue to withdraw money from my account it is never never a XXXX XXXX balance because of all the money is always pending, I have money pending XX/XX/XXXX has still not processed just stuck in pending status. They also sent {$1.00} to a cash card for me to withdraw which is also impossible to withdraw so the money will stay locked and its preventing me from withdrawing because I dont have access to the cash card to withdraw and they made it impossible to withdraw it from my linking checking account. Please force this company to close my account and stop taking my money. I feel like I would have to close my entire checking account because they refuse to stop. This has been going on since XXXX charging bogus fees for a genius subscription so they can invest funds into services I did not ask for. This company is a scam based off offering a payday advance of {$50.00} to withdraw money by debiting unauthorized transactions out my account every other day. This Albert app needs to be closed down immediately

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX, my wells fargo Acc no are XXXX, I have around XXXX XXXX + in my Wells Fargo checking account, but there fraud prevention team first stopped my online access and then blocked my account for sometime and then i called them so after verification they reopened my account, and they did this same for 3, 4 time, then finally they decided to close my bank account, as a XXXXXXXX XXXX, for me visiting branch is not possible, so they people are holding my balance, I want you to please transfer my balance to my bank account before I XXXX, so I can utilize it. 
This is an utter nonsense banking where bankers and fraud prevention team do not understand the helpless of a human being, if someone is about to XXXX and you are harrasing him for your security excuse, My only last hope is this platform, I have faith in consumer financial protection bureau, I hope i get my funds transfer to my other bank account before I XXXX. 

Yours Truly 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 explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
Credit acceptance high high interest rate and added products 28 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC
State: VA

Complaint narrative:
Original account was opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Glass Mountain Capital LLC XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Debt : {$610.00} I was unaware of this account until contacted by phone XX/XX/XXXX from Glass Mountain Capital . Following the call, I received a letter from Glass Mountain Capital with an attached copy of the lease agreement disputed by me. The email address used on the agreement is incorrect and neither of the 2 debit cards used for payment belong to me. I do not have debit cards ; only 2 credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: IA

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge.

Full accounting ledger.

All legal documents.

An explanation showing me how you have computed the amount.

Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor.

Confirmation that the account has not crossed the statute of limitation ( SOL ) period.

Evidence that you are a licensed debt collector.

An invoice of the products/services ordered.

Dates of products/services being rendered.

The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Capital one stated that I had opened a credit card on XX/XX/XXXX. I have no knowledge of any credit cards opened by Capitol one in my name. I have not been able to be approved for a credit card since XXXX. Someone fraudulently opened an account or someone with a similar name was mistaken for myself. I had no knowledge of this account until I tried to apply for a loan and checked my XXXX  XXXX. Then it was transferred to XXXX XXXX XXXX who never tried to get a hold of me or call me nor did capital one. When I called Capitol one they said they had no knowledge and couldnt access my account. They didnt even tell me I had an open account. I dont even know the card number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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:
Experian closed CFPB complaint number XXXX without providing documentation of verification of inaccuracies. The creditor also, allowed the company an access of 30 to respond to complaint.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
*I lost almost XXXX credit score due to Comenity Capital Bank 's mishandling* Between XXXX and XX/XX/2022 I went to XXXX XXXX XXXXXXXX ATM to pay back my credit card balance in cash as usual. This time the ATM rejected my card to my shocking surprise. Later on I learned that my credit card and it's all services were handed over to Comenity Capital Bank ( the new merchant ) without my consent. I made a phone call to the new merchant who was now handling my credit card service and he assured me that I will not be charged the late fee at this time if I made the full payment of the " amount due '' ; because he understood my situation. I made the complete payment of balance and he assured me I am all set and nothing is due on me. After 1 or 2 months between XXXX and XX/XX/2022 the new merchant kept on charging me late fee, thereby violating the communication I had with the merchant. I asked them to get the record of the phone call and make sure the agent clearly told me that I will not be charged any late fee or interest, but they said they did not have the record while clearly on the start of the every phone call the hair a voice saying the call will be recorded. They kept on increasingly charging the late fee of non-payment of the unfair late fee. 
Despite knowing it is unfair, I made the payment of all those wrong charges in order to stop the chain reaction of the late fee of the wrong late fee. 
I made several phone calls to them asking them to resolve the issue and pay me back all the wrong charges they did. There was no response for many months. The biggest XXXX I have right now is the loss of my almost XXXX points in my credit score XXXX them reporting to the credit bureau of my non-payments which were unfair and already wrong. The total wrong payments, if I remember correctly, are under {$100.00}. But I repeat my biggest concern is the loss of my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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