vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: NH

Complaint narrative:
I received a letter from XXXX XXXX that they had a data breach and gave me 2 years of coverage with Experian. On XX/XX/XXXX there was an inquiry saying it was for XXXX XXXX XXXXXXXX but I do not have any accounts with them or applied for any type of credit with them. Experian told me to contact you to inform you of this activity. Below is the inquiry information. 

Alert Type : Inquiry - New Inquiry Found On : XX/XX/2024 Why am I receiving this? 
Experian XXXX monitors your credit to detect signs of identity theft. You have a new credit inquiry on your credit report. When you apply for new credit or a loan, and the creditor/lender views your report as part of their decision-making process, it's called an inquiry. 
Additional Info Details SourceEXPERIAN Alert XXXX Inquiry XXXX NameXXXX XXXX XXXXXXXX Phone XXXX XXXX XXXX XXXX Business XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you recognize or authorized this activity, no action is required. What if I don't recognize this activity? 

Don't worry, there are steps you can take! 

Contact the creditor - this may clear up what's happening Review your credit report for new activity Dispute the account information on your 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 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC
State: VA

Complaint narrative:
I recently took out a loan from Special Financing Company in XXXX, XXXX on XX/XX/2024 for {$17000.00} for a Real Estate Mentorship. They made me pay an immediate XXXX payment of {$870.00} from my debit card. I decided to not move forward and now they will not refund my first payment. I called many times with no positive response about getting my deposit back. I am a XXXX XXXX and will be XXXX XXXX XXXX this year. I believe I am being taken advantage of. All I want is my payment because I did not expect to be paying XXXX XXXX of 29.99 %. I never used the Loan so I believe I'm not asking for nothing except my deposit back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I have an account with the Exchange Credit Program ( Military Star card ) on which I had multiple zero-interest promotions, all of which were in good standing with no missed payments. Two were expiring in XXXX XXXX timeframe, and XXXX was to expire on XXXX XXXXXXXX XXXX ( amount remaining was {$350.00} ). 

I made a larger payment in the amount to pay off the soonest expiring balance in full ( {$350.00} ) on XXXX XXXXXXXX XXXX, prior to the expiration date. All but {$15.00} of this payment was applied instead by the creditor to XXXX of the balances expiring later, and this caused the soonest expiring promotion to expire and I was charged deferred interest on that purchase. 

I called multiple times to inquire about correcting the application of payments so that the expiring promo was paid off and, instead of fixing the problem, the creditor has now made it worse by adjusting the prior payment to pay off all of the remaining zero-interest promotions such that my entire balance is now subject to interest. 

12 CFR Part 1026 ( Regulation Z ), subsection 1026.53 ( Allocation of payments ) requires that payments are to be applied first to any promotion expiring within 60 days, unless the customer requests otherwise. All XXXX asking was for the merchant to follow the law.

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 2024-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In case XXXX I asked for my credit card statements and the branch manager finally gave them to me, but I need to report the unauthorized transactions as fraud. When I call Bank of America, they ask for the phone number on the account in order to authenticate my account. but the phone number belongs to the lady that stole and used my credit card. This was the only option they gave me to authenticate my account over the phone. I went into a branch where the Branch Manager knows me and although he released my bank statements, he stated he couldn't initiate a fraud case unless I provided two forms of ID. I advised him the suspect that stole my credit card also stole all of my ID and there is a criminal case against her. Earlier this month I ordered my ID and social security card but never received it. I notified our mail carrier and the mail carrier stated that a lady named XXXX XXXX XXXX ( she is a resident here and our suspect ) advised her that she was going to be taken care of me and that I was going to be living with her and told her to divert all of my mail to her place. All not true. I filed a complaint with the postal inspector.

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 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: CO

Complaint narrative:
Accounts Receivable XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX Contacted me about a debt owed. I sent a Debt Validation letter to them within proper time limit requesting information and stated to treat this debt as being in dispute and under discussion between us. They sent back part of information requested, but failed to provide all requested information including proper Licensing Information and/or a Certificate of Authority from my state of XXXX and their state of Florida. I sent XXXX XXXX letters requesting this XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They failed to comply and I haven't heard back from them til MayXX/XX/XXXX. I considered this matter closed, but XXXX XXXX called me from Accounts XXXX and was very rude, very loud, yelling, not cooperative and he hung up on me. I called back to talk to a superior, and she also was very rude, talked over me, did not recognize my valid debt Validation request where I specified that 28 days have lasped all 3 times. She also did not listen to my complaint about her employee yelling at me on the phone. I had considered this matter closed per my last letter and any further inquiries will be sent to the Attorney XXXX office of Florida. I filed a complain today with the Attorney General against Accounts XXXX for harassment.

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 2024-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
I have asked the GLA Collections for help resolving the debt, but I will need a physical copy of a bill or itemized statement. They have been sending me on a wild goose chase since XXXX. I need this removed from my credit report. If documentation can not be provided, that would be fair.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
On XX/XX/year> my Wells Fargo Checking Account was closed with {$1000.00} remaining in it. 
On XX/XX/year>, I finally found a way to contact as I currently reside in another country. I spoke with XXXX. Who told me the reason behind closing the account and that a check had already been issued in XXXX. I explained that I did not receive that check, so she reissued check # XXXX. 
On XX/XX/year>, I called again as I did not receive the reissued check # XXXX. This time I was told that they would need to send out a stop-payment form that I needed to sign, notarize and send back. 
On XX/XX/year>, I sent back the notarized stop-payment form, which was received at Wells Fargo XXXX XX/XX/XXXX at XXXX. 
On XX/XX/year>, spoke with XXXX. He confirmed my mailing address and confirmed receipt of the stop-payment. He said he would send check # XXXX. 
XX/XX/XXXX XXXX received another stop-payment form. 
XX/XX/year>. I still have not received the check with my funds.

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 2024-05-28 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: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-28 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: TN

Complaint narrative:
This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from 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 2024-05-28 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-28 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: TN

Complaint narrative:
XX/XX/year>, XX/XX/year>, XX/XX/year> were disputed I am writing to request your assistance in resolving fraudulent accounts and inaccurate information on my credit report. Recently, my wallet was stolen, and as a result, my personal information has been misused to open fraudulent accounts that do not belong to me. Given that I am currently in the process of buying a home, it has become crucial to rectify these inaccuracies and ensure that my credit report reflects accurate and reliable information.I kindly request that the Consumer Financial Protection Bureau investigate these fraudulent accounts on my credit report. I believe that upon thorough investigation, it will become evident that these accounts are a result of identity theft. Therefore, I respectfully request the removal of these fraudulent accounts from my credit report, as they are negatively impacting my ability to secure a home loan and move forward with the home-buying process. I hope I am doing this correctly. If not i am taking a calculated risk with hopes of creating a great and lasting change in not only my life but also my XXXX children who don't deserve to struggle on my behalf.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards cbna I am writing to dispute the accuracy of the information reported to your bureau regarding the above-mentioned account. The account was opened on XX/XX/2021, but I did not use the card or incur any charges. 

Despite my inactivity, the account has been sent to collections, which I believe is an error. I request that you investigate this matter and take the following actions : 1. Verify the accuracy of the information reported by Citi. 
2. Remove the collections status and any associated negative marks from my credit report.

3. Update my credit report to reflect a " closed '' or " inactive '' status for this account. 

Please investigate this matter and correct my credit report accordingly. I appreciate your prompt attention to this matter.

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 2024-05-28 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Apple, this is my second request. I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit reports. There are still inaccuracies on my credit report with this tradeline. Please download my dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: GA

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 XXXX, Experian, and XXXX data breach.

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 2024-05-28 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My grandmother passed away 3 years ago and now im finding out that she had opened credit cards under my name who are now in collection such as the following accounts : XXXX XXXX XXXX XXXX {$1100.00} MIDLAND CREDIT MANAGEMEN- XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

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 2024-05-28 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: VA

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-28 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: VA

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-28 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: CA

Complaint narrative:
Hello CFPB, 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 and 1682 : XXXXXXXX XXXX XXXX XXXX  XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX Account # ending in XXXX and Account # XXXX has violated my Rights. 

XXXX XXXX XXXX Account # Ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my Rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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.

15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported.

Thankyou for your attention to this matter!

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