vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Linebarger Goggan Blair & Sampson LLP
State: OH

Complaint narrative:
This is the second time this law firm has tried to collect a debt on an account that that was opened with my stolen XXXX. I received a letter today stating I owe {$550.00} for an utility account with city of XXXX XXXX. 

Actions taken : XXXX XXXX XXXX received letter stating i owe this debt a. The debt has driver 's license number XXXX- this in not my driver 's licesne number. 
2. Sent letter disputing it to firm 3. Filed complaint with FTC 4. Filed complaint with CFPB This law firm is well aware my identity has been stolen and that I have never lived in Texas. I have never opened any accounts in Texas. I have already opened a complaint with this bureau for another fraudulent account this firm is trying to collect on. In fact, they send all the requests for payment to my Ohio address, where it is easily verified that I have lived for nearly 20 years. I have been employed by the same company with an XXXX XXXX XXXX XXXX  for 20 years. I can produce an Ohio driver 's license. I can prove I live in XXXX, Ohio. 

This law firm can not and will not ever prove that I have ever lived or signed any agreemnt in XXXX XXXX or any other XXXX XXXX  because someone else did this. Yet somehow, they continue to pursue collectionst me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: ID

Complaint narrative:
I have accounts with XXXX, and XXXX XXXXXXXX, and other accounts as well that I've never heen given credit for paying on time and paying off. My oldest account is XXXX XXXX XXXX it is child support and I've paid off almost {$30000.00}. My XXXX  account is not past due it is paid up to date. My XXXX XXXXXXXX account is paid off completely. With no late payments, I had XXXX XXXX  accounts both are paid in full. I have never been late on anything. This should give me a perfect score. My score does not reflect this or any of my efforts. XXXX was supposed to update my credit to reflect these issues but never did. Transition will not even give me mt credit score without giving them money. And will not give me a copy of my report at all.

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 2024-10-03 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: CA

Complaint narrative:
I've noticed unauthorized inquiries on my credit report by various companies, which has caused me significant stress. I'm concerned about the potential misuse of my personal information and the impact on my financial standing.

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 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Dispute Regarding Interest Charges on account To whom it may concern, I hope this email finds you well. I am writing to formally dispute the interest charges applied to my Zales XXXX Credit Card account, Account # XXXX, for the billing period of XX/XX/XXXX to XX/XX/XXXX. 

Upon reviewing my account statement, I noticed an unexpected interest charge of {$850.00} that was applied on XX/XX/XXXX. I believe this charge in incorrect for the following reasons : 1. I have consistently made timely payments in the amount of {$250.00} and adhered to the agreed-upon terms of my account. I have 2 plans which consist of the first XXXX with the amount of {$3000.00} ( Expiring XX/XX/XXXX ) and the second plan {$1200.00} ( Expiring XX/XX/XXXX ). I have set-up monthly payment of {$250.00} which is more than the minimum required payment. 
2. I have made recent purchase plan last XX/XX/XXXX ( second plan ) with the amount of {$1200.00} that should be expiring in 12 months. They have set-up their own payment allocation without my consent. They have allocated my monthly payment of {$250.00} mostly on the new purchase which was originally allocated on the first plan. 
3. I have called customer care to dispute the charge and even spoke to Supervisor XXXX  ( ID # XXXX ) about the issue but refused to reverse the charge even though I mentioned that will be reported to consumer bureau. 

Given this information, I kindly ask for a thorough review of my account & the removal of the interest charge in question. Please provide me with a written response outlining the conclusion of your investigation. 

I appreciate your prompt attention to this matter and look forward to resolving it soon. Feel free to contact me at ( XXXX ) XXXX or email me at XXXX if you need further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NV

Complaint narrative:
RE : Unauthorized Credit Inquiry XXXX XXXXXXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report XXXX, TransUnion, XXXX. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Subject : Request for Removal of Late Payments Under 15 U.S. Code 1681i, 1637 ( b ), and 1681s-2 Dear CFPB Members, I am writing regarding my account with XXXX XXXX  ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. 

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate information on my credit report, and under 15 U.S. Code 1637 ( b ), I am protected in my rights as a consumer to receive accurate information about my accounts. Additionally, according to 15 U.S. Code 1681s-2, creditors are required to report accurate information to credit reporting agencies. In this context, I request that my circumstances be reviewed and that consideration be given to the removal of these late payments, as they have negatively impacted my credit score.

I am willing to provide any additional documentation that may be necessary to support my request and facilitate the review process. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Request for Removal of Late Payments Under 15 U.S. Code 1681i, 1637 ( b ), and 1681s-2 Dear CFPB Members, I am writing regarding my account with Ally Financial ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. 

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate information on my credit report, and under 15 U.S. Code 1637 ( b ), I am protected in my rights as a consumer to receive accurate information about my accounts. Additionally, according to 15 U.S. Code 1681s-2, creditors are required to report accurate information to credit reporting agencies. In this context, I request that my circumstances be reviewed and that consideration be given to the removal of these late payments, as they have negatively impacted my credit score.

I am willing to provide any additional documentation that may be necessary to support my request and facilitate the review process. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, 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 2024-10-03 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: IL

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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Last four of Care Credit Mastercard : XXXX Birthdate : XX/XX/XXXX Social is XXXX On XX/XX/XXXX, I called into Synchrony Bank to ask for a replacement care credit Mastercard . The representative inexplicably, either through poor training or a miscommunication, accidentally closed my entire CareCredit account that I have had for ten years instead of just issuing me a replacement credit card. I logged in the next day and saw this error, but it was after twenty four hours and systematically they couldnt help. Im filing this complaint because I want someone at synchrony to please correct this error and reinstate my account. Ive never had a missed payment, derogatory mark, and Ive been a good and loyal customer for many years. This was purely employee error, and I believe the bank should do right by a good customer and help correct it The managers in duty were extremely rude and disrespectful. I tried multiple times within the allowed window of time to have them fix my account. They tried sending me several links I never received?

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 2024-10-03 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: MA

Complaint narrative:
I recently reviewed a copy of all My credit reports and noticed that I had a fraudulent account on them. Please remove this XXXX account from My credit reports. I've been doing My due diligence on being a worthy person to obtain good credit and this is hurting my ability to do so. 
Thank You Kindly.

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Debit card was reported missing on XX/XX/year>. 
After I reported the card lost, Chase found some charges international/ foreign charges that I did NOT authorize. 
CHASE Closed my checking account ending in XXXX and did not return the money from my account. 
They also calling me to pay the charges on my checking account that was NOT authorize or no knowledge where all the charges come form. My checking/credit Account information was compromised. 

The CHASE representative asked me to provide a document and I did sent it to them by Fax from XXXX XXXX. 
No information of resolution was received from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
My information/credit is been on high risk and been pulling it without my consent also been sending me some garnishments letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-03 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELET THE BELOW ACCOUNTS FRAUD BY LAW COMEDITY BANK 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 I never had an account with this company Reasons for the Deletion 15 USC 6802 ( I was not informed in writing that they were going to share my personal information without my permission ) 15 USC 1681B ( The Credit Agencies, XXXX, XXXX, XXXX ) did not receive any documentation from me in writing or any other legal instrument nor did I provide a borrower 's authorization & certification to release any information. I ask them to produce the letter they could not. 

18 USC 1028 A ( It is Fraud to pass my information with our my consent and open up accounts in my name is illegal ) I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. 
The reasons why these items should be deleted are indicated below. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) 15 USC 1681 ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items had been deleted pursuant to 611 ( a ) ( 6 ) 15 USC 1681J ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 15 USA 168 ( j ), there should be no charge for this report. 

I am asking that this information be removed from my credit profile. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: DE

Complaint narrative:
I have come across erroneous information in my credit report, which is covered by 15 USC 16c-2. This misinformation is adversely affecting my creditworthiness.

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 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I am having issues trying to get a payoff letter of my Shellpoint mortgage. Customer support said they have no way of escalating, no way of communicating with other team which handles payoffs, and no way to communicate issues/problems internally for improvements/enhancements. 

On XX/XX/XXXX, I asked requested payoff amount online, to be delivered via web. 
On XX/XX/XXXX, the company I am refinancing with requested payoff amount. 
Neither of us got anything. 

Tuesday XXXX I called. Person told me they would email the payoff over to the refinance company right now, and it should take XXXX mins. Nothing was received. Never got a call back that there was any kind of issue- especially concerning that we expected within an hour. 

Wednesday XXXX - I called. Person told me that an " email might take XXXX XXXX, a fax is quicker, let me do a fax ''. When she tried to put in the system, it said it would take up to XXXX XXXX to process. I guess because I had a discharged bankruptcy. I told her that was the message I got on XX/XX/XXXX, but never received anything back then. She said she would put in the request again. But the XX/XX/XXXX request should be completed on XXXX ( today ), as that is XXXX XXXX. Never got it today. 

Today XXXX - I called. Person I spoke with said they would email me a letter now. Then he got the same message and told it would take XXXX XXXX. I told him it's already been XXXX XXXX from XX/XX/XXXX request, and way past that from the XX/XX/XXXX request. He said he didn't see a request on XX/XX/XXXX. The people from Tuesday 's and Wednesday 's call did though. he said he would submit. 
I told him we are doing the same thing over and over and expecting different results. I asked to speak with a supervisor- he said he can't do that. I asked him to escalate- he said he had no way of doing that. I asked to speak with whoever is supposed to work on this- he said he didn't know and had no contact info. 

I am trying to refinance. If this continues, I lose my lock. And rates and payment info will go up.

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