vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I have been charged interest 3 times on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a 12 month interest free promotion for purchase over XXXX $ made at XXXX XXXX XXXX  The fraudulent activity nos from the company that issues the card that company is comenity also known as bread financial https : //d.comenity.netXXXX  They would not assist me without going to XXXX XXXX XXXX and having one of their employees call comenity, they were on the phone with them for over 2 hours while I was there..this was in XXXX XXXX XXXX I believe, I heard the employee from comenity confirm with XXXX XXXX that the interest would stop being applied namd they would credit me for the 2 interest payments they have already taken..well they took interest again,, I called on XX/XX/ amd tyey said it would be escalated to a review,, amd thats ridiculous, intold them they are scamming people I would love for someone to look into this and assist people being taken advantage of..the employees at the XXXX XXXX XXXX in XXXX XXXX XXXX are aware of this problem and have to assist other customers as well ... they even told comenity they were being dishonest with customers please help!! 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: SC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America account was compromised I live on XXXX and I also am the XXXX for my daughter and grandson both of which are on XXXX somehow my BOA account was accessed without my permission. This is the second time since XX/XX/2023 Ive had random unauthorized charges in my account BOA is telling me I have to pay the first disputes they credited from XX/XX/ by XX/XX/ 2 days after receiving this notice my account was almost completely depleted. I filed disputes with boa and they completely restricted my accounts all our XXXX funds are in these accounts we have no way of paying are rent buying groceries. Also phone bill is due so we cant pay that either I am a victim of fraud and boa is treating me as if I am the one who caused this to happen I am in a desperate situation to recover all my stolen funds and need someone that can help me please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
As of XX/XX/2023, I am being denied access to purchase a new car and access to a new home/ apartment because I can not lift the freeze manually from the Experian App. The Experian app prompts for two-factor authentifications to my old cell phone number. I have called Experian more than 8 times about this matter and just got stuck in their phone tree. On the two occasions that I did reach a representative, they were combative and did not update my contact phone number.

Many vendors that I have tried to do business with over the past month have recommended that I temporarily remove the security freeze from Experian so that the " vendor '' could extend offers of credit/ products to me. The last time I was able to access my Experian account was on XX/XX/XXXX when I changed my phone number with XXXX. Ever since then, Experian has been holding my credit XXXX. I have been able to change my number with everyone I do business with except Experian. I would like assistance in changing my contact information with Experian and hope you investigate ways to prevent Experian from doing this to any other consumer. I tried to create another account with Experian with my current phone number and new email address however Experian 's website stated " It seems you may have created an account previously '' after I entered my SSN and DOB. Unfortunately, there is no workaround. Just this complaint. Please help 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was unaware of the unauthorized use of my card until it was declined for a very small purchase in early XXXX. I Called them immediately and I was told that the reason was because they suspected fraudulent use and that they had tried to contact me and couldn't. I did not receive any such mailing ; they have my cellphone number email address and work number. I was assured that I would not be responsible for charges that I did not make or authorize. I have been working with Target fraud department and hoping to resolve this issue to no avail. I did receive questionnaire asking which charges were fraudulent and I sent paperwork back. Only to receive the very same paperwork sometime later. That was a problem because I didn't retain a copy and requested they send another which they did not however on XXXX XXXX XXXX  I discovered the information and resent it certified mail to the address provided. I have received a bill from Target that states Only that " this is an attempt to collect a debt '' and asks for a payment of XXXX payment on the full amount of XXXX. These transactions are for several fast food purchases made on the same day and several online purchases including from Target and sports equipment stores that they did not tell me what the items are. Several alcohol purchases online to other states and even to XXXX. They were not made or authorized by me. And I made that adequately clear to a customer service representative who told me that the letter should not have been sent because the issues were clearly still under investigation And that the have erroneously categorized it as a dispute rather than Fraud. This has been unresolved since XX/XX/ and involves charges from as early as XXXX XXXX XXXX The bill sent to me prior to the statement in question had a balance of approximately XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

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 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 2023-10-03 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: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-10-03 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: LA

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 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 explanation
Consumer complaint received 2023-10-03 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: MD

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX along with account XXXX XXXXXXXX were opened as a result of identity theft. My information was stolen and used without my permission. I brought this to the attention of CapitalOne, however they are still attempting to collect this debt and illegally reporting it it the credit bureaus. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I entered into a settlement agreement with XXXX XXXX  XXXX XXXX Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/. I then received a letter stating that the account was paid off as agreed and the account was closed. Then earlier this year I was contacted by Midland Credit Management collection agency saying that I owed them for the unpaid XXXX account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX XXXX getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. XXXX has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: ND

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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