vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I just started using care credit this year for pet expenses. I recently maxed out the credit limit on the card. My first payment was due on XX/XX/XXXX so I paid the minimum payment due plus {$1000.00}. I used a rep to make the payment so I could apply the excess amount to specific promotional balances. I was told XXXX XXXX  to post and then my account would have credit available. My purpose was to pay down on a XXXX month deferred promotional balance so that I could use the card to pay for upcoming expenses at a vet who offers XXXX  months deferred interest. On XX/XX/XXXX I tried to use the card and the available credit had not been updated to reflect the {$1400.00} payment. I called care credit and was told that anything payment over {$1000.00} may cause the entire payment to be held for several days. So I could not use the card for the vet bill as I intended, nor can I use it for the vet charges that will be incurred on XX/XX/XXXX because I was told by a second rep at care credit that the available credit will not be updated until midnight Monday night so Tuesday, XX/XX/XXXX, it will be available. That's XXXX days after I made the payment. He said if I had made XXXX {$700.00} payments on different days, there would have been no problem. And, he said this holding of payments is done randomly. So I paid {$1000.00} extra on the payment to care credit for no reason and still have to pay more money for the vet bills that had to go on a different card.

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank closed my checking account in XX/XX/year>. There is a balance in my checking account that they refused to disburse to me directly. They told me the moneyi is in the account awaiting for the original company to process a Reversal/Recall of funds. The original company is XXXX XXXX XXXX. XXXX XXXX XXXX emailed me back in XX/XX/year> stating that they can not process Reversal/Recalls of funds. Therefore my funds are still stuck in US Bank. US Bank refuses to help me any further. I am frustrated because US Bank has my funds sitting in the closed account and no one will assist me.

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 2024-04-19 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: TX

Complaint narrative:
I am a victim of XXXX XXXX. Equifax has refused to remove the XXXX account XXXX that is a direct result of XXXX  Equifax is refusing to remove the XXXX XXXX account XXXX and asking for more documentation. I have sent it in several documents supporting my case and they continue to ask for something more. Even though they removed the accounts that are a result of XXXX  prior, and the XXXX other credit reporting agencies have removed the XXXX account This has been going on since XXXX, my XXXX and I were told by Equifax we can not report a XXXX  claim through the CFPB, they told us it would be immediately dismissed and they would not process the dispute. After calling the CFPB, I found out that is lie I was told my documents are not vailed, nor accepted which makes no sense because Equifax accepted and removed the other accounts with the exact same docs from the exact XXXX. Even after they spoke to my XXXX they said I was not a XXXX XXXX I am frustrated and upset, reliving over and over just trying to get XXXX last account off my credit report Under the law the required documentation is defined as identity docs, determination letter, XXXX  statement I have sent these docs as well as police reports, court docs, and more. 
Please help make this company follow law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I am writing to challenge the presence of a fraudulent item currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this item remains on my credit report. After contacting the creditor linked to this item, they acknowledged its fraudulent nature. Consequently, the item has been removed from XXXX and XXXX. I have also provided the company with all necessary documentation to substantiate my claim. 

Bankruptcy XXXX  XXXX Discharged Reference : XXXX Date Filed XX/XX/year> Court US BKPT CT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: OH

Complaint narrative:
I recently look at my credit report. I saw a hard inquiries that dont not have permissible purpose. 
Can you reinvestigate the inquiries I listed above, I also attached evidence 1. XXXX XXXX XXXX on XX/XX/year> this hard inquiry dont have no permissible purpose on my credit report. Delete this inquiry due to violation of 15 USC 168 1B 2. XXXX XXXX on XX/XX/year> this hard inquiry dont have no permissible purpose on my credit report. Delete this inquiry due to violation of 15 USC 168 1B

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 2024-04-19 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: CA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2024-04-19 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: CA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc.
State: SC

Complaint narrative:
I sent a letter to all three credit Bureau 's and I haven't got this account verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: AZ

Complaint narrative:
XXXX is showing that I owe {$99000.00} in student loans, when I only owe {$62000.00} in student loans. They are listing two loan accounts, one for {$36000.00} and one for {$62000.00}. All of my student loans were consolidated into one account years ago. I contacted Edfinancial services months ago regarding this issue, and I was told they are aware of the problem reporting. Yet, they haven't fixed it. I have disputed the information twice with XXXX, and they refuse to correct it. I filed another dispute on it with XXXX, and also a complaint and dispute with XXXX, in writing today. I am concerned that I will be refused some credit that I apply for, due to showing such a high student loan balance and debt load.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credit card closed my account XXXX XX/XX/2024 even though i set up a new payment plan on my account. The account was closed and charged off without any explanation and phone call from the credit company. I want to reinstate my account and continue paying my account balance back to XXXX  balance. The closing of my account has a negative impact on my credit report as a charged off account. 
Account type XXXX one card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-04-19 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: NC

Complaint narrative:
i recently took a look at my consumer report and noticed a unauthorized account on my report i did not apply for or authorize which violated my rights and i would like it removed asap seeing it had a negative affect on my 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 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Company is reporting inaccurate information on my credit report. Have tried to contact many times with no prevail.

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 2024-04-19 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 explanation
Consumer complaint received 2024-04-19 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-04-19 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: WI

Complaint narrative:
I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. Failure to do so may result in legal action being taken against your bureau for non-compliance. 

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX  to be serviced by XXXX  XXXX XXXX and had no problems. XXXX XXXX switched their provider to Comenity Bank and from there I had several problems. First I was not notified of the change. I had an electronic documents agreement with XXXX  XXXX XXXX and was used to receiving my documents online. I always had elected to utilize auto pay. The first I became aware of the change of servicer was with a a past due payment and a phone call. I never received a credit card from Comenity and a card was required to sign up for online banking. I never received notices from Comenity in spite of repeatedly updating my address. The mental burden of needing to remember without notice when my payments were due without notices was undue. A phone call was the only way provided to make a payment since I do not have checks. The wait times to call in were prohibitive and speaking with a person at all was at times a challenge. Due to this unreasonable burden I missed several payments. These missed payments are now on my credit report. I tried to file a credit dispute with the company and followed the instructions they gave me over the phone, but the company never replied. I don't know of anything else I can do than to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC
State: MA

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX closed a checking account of mine because they identified fraudulent activity. They put a fraud lock on the account. A new checking account was opened for me. 

XXXX of my recurring charges on the closed checking account was for XXXX XXXX XXXX a gas station. Before I had an opportunity to update XXXX XXXX with the new checking account information, XXXX XXXX XXXX charges were returned because of the fraud lock : XX/XX/XXXX XXXX Rewards {$8.00} XXXX XXXX XXXX {$5.00} I immediately called XXXX XXXX to tell them of the fraud lock and provide them with my new checking account information. When I called XXXX XXXX they re-directed me to their debt collector CHECKredi. I told CHECKredi the charges were returned not for insufficient funds but because my XXXX bank account linked to XXXX XXXX had been closed for fraudulent activity. CHECKredi said that I would be charged fees for insufficient funds and if I wanted the fees returned I would have to send them a letter from XXXX XXXX XXXXXXXX stating it was fraud and not insufficient funds as to why the charges were denied. The CHECKredi fees I was charged were : XX/XX/XXXX CHECKredi Return Fee {$35.00} XX/XX/XXXX CHECKredi Return Fee {$35.00} Immediately after speaking with them, CHECKredi used the new checking account number I had provided to XXXX XXXX to collect the XXXX payments of {$5.00} and {$8.00}, but also charged me for the XXXX fees of {$35.00} for each transaction. XXXX XXXX has been paid in full. 

Subsequently I contacted XXXX XXXX XXXX and explained the situation to them. XXXX XXXX XXXXXXXX provided me with letters stating that both the {$5.00} and {$8.00} charges were returned because of FRAUDULENT ACTIVITY and not insufficient funds. These letters were mailed and emailed to CHECKredi, but as of today CHECKredi has refused to return the {$70.00} in junk fees. 

I would urge all consumers to avoid doing business with XXXX XXXX and to contact the CFPB if they have been adversely impacted by the illegal debt collection and anti-consumer activities of CHECKredi.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation