vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
When I use XXXX or XXXX to send money to other individuals, Barclays charges me {$10.00} " Cash Advance Fee '', even though clearly there is no cash involved. Since I have my payments processed automatically, I only noticed these fees today. It turned out, I was charged these fees 8 times this year! 
When I asked Barclay 's to explain why I was charged these fees, they referred me to their Terms & Conditions, which say " The purchase of money orders, traveler 's checks, XXXX XXXX, ATM transactions, cash withdrawn from a bank teller, foreign currency, lottery tickets, gambling chips, wire transfers, certified checks and third-party payments are treated as cash advances ''. However, Terms & Conditions don't say that XXXX and XXXX are classified as wire transfers. I only found out about it when I asked about the cash advance fee. How could I have known in advance that XXXX and XXXX transactions would be subject to those fees? This is absolutely unfair.

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 2024-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
In XXXX, a credit card was opened under my name for the following account : COMENITYCB/ZALESXXXX The account spent an amount of {$5300.00}. I notified the credit bureau fraud teams and Zales immediately, and the account was promptly closed. However, a collection was opened for this exact amount ( {$5300.00} ) under " XXXX XXXX XXXX '' in XXXX, even though the Zales account was previously closed and removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
I just reviewed a copy of my credit report and i found this fraudulent account, this is hurting my ability to obtain credit.

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 2024-11-28 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: NY

Complaint narrative:
I just reviewed a copy of my credit report and i found this fraudulent account, this is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Removal of Unauthorized, Non-Permissible Inquiries Dear Sir/Madam , I recently obtained a copy of my credit report and noticed several inquiries that I have no knowledge of, which I believe were made without my consent. I have not applied for any credit in the past 18 months, and I did not authorize these inquiries. I am concerned that my personal information may have been misused, and I am requesting that these inquiries be removed from my credit report. 

According to Section 604 of the Fair Credit Reporting Act ( FCRA ), all inquiries must have a permissible purpose for being made. As I have not applied for any credit or initiated any transactions with these companies, I am requesting proof that these inquiries were authorized or have a permissible purpose as defined by the law. Without this proof, I ask that these inquiries be deleted immediately, as they do not meet the necessary requirements for reporting. 

The inquiries in question are as follows : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I have contacted these creditors, and they have failed to provide any written authorization or documentation proving that I initiated these inquiries. According to the FCRA, if any information is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted. Therefore, I respectfully request that you delete these unauthorized inquiries from my credit report as they do not meet the standards set by the FCRA. 

In addition to the above, I would like to emphasize that I have not applied for any credit in nearly two years. The unauthorized inquiries listed above are a serious concern for my security and privacy, and I would appreciate your immediate attention to this matter. 

Please send me an updated copy of my credit report once these unauthorized inquiries have been removed, as required by law. 

Thank you for your cooperation in resolving 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 2024-11-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I bought Vanilla Gift Card in XXXX and put {$340.00} on it via cashier. After the purshase I opened the package and found out that 4 digits are ripped off from the card number and at the same time I was not able to use a card at gas station. 

I called the number which is placed on the card and Vanilla Gift Card customer support team blocked the card, but told me that all the money is still on the card, but it registered to somebody else and asked me to send an email to them with the subject " Ownership dispute '' to XXXX and attach front and back of the card, receipt, my ID. I did that on XX/XX/XXXX, but heard nothing back from them. 

9 months later I called Vanilla Gift Card customer support team again and they told me that the email address XXXX is not correct and asked me to do all the same thing, but at this time send an email to the different email address XXXX with a different subject " Ownership verification '' and attach the same documents. I did that on XX/XX/XXXX. 

2 months later again I didn't hear back from them. I need my money back. Today, on XX/XX/XXXX I called them again and was not connected to an agent, because I guess they disabled this feature and during the call automatic auto-reply system asked to report a problem via https : //balance.vanillagift.com/. I did that and the case with number XXXX was created and I was instructed to send another email with subject " First Name Last Name XXXX '' to XXXX and attach back and front of the card, package and receipt. I did that now on XX/XX/XXXX, but I have no hope to get response and my money back, because all I see is that they ignored my emails and did not resolve my problem for almost the entire year. 

Thank you in advance. 

Best, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-11-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute the accuracy and completeness of an account on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information below contains inaccuracies that I request you investigate and correct or remove immediately : Disputed Account : Original Creditor : XXXX XXXX  Account Type : Debt Buyer/Collection Date Opened : XX/XX/year> Balance : {$23000.00} ( as of XX/XX/year> ) Status : Collection account, {$23000.00} past due as of XX/XX/year> Reasons for Dispute : 1. Inaccurate Ownership : The account is listed as a debt buyer account, which does not align with my records. Please verify the account ownership and validate the alleged debt. 

2. Balance Discrepancy : The reported balance of {$23000.00} is inconsistent with the original balance and payment history. Provide documentation to substantiate the balance, including an itemized statement. 

3. Date Inconsistency : The Date Opened is listed as XX/XX/year>, but this conflicts with my records. Please validate the accuracy of the date. 

4. Incomplete Data : The Terms field is listed as 0 % and the Monthly Payment field is blank, which is incomplete and misleading. 

Per the Fair Credit Reporting Act, the credit reporting agency must ensure all reported information is accurate and complete. I also refer to XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, which underscores the importance of accuracy in consumer reports. If this account can not be fully verified or corrected, it must be removed from my credit report immediately. 

Requested Action : Conduct a thorough investigation into the disputed information. 
Provide verification and documentation from the data furnisher ( XXXX XXXX  or subsequent debt buyer ). 
Remove or correct all unverifiable or inaccurate information. 

Please resolve this matter within the 30 days required by law and send me a written response with the results of your investigation. If you can not verify the accuracy of the disputed information, I demand that this account be REMOVED from my credit report. 
Thank you for 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 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered several unauthorized accounts on my most recent credit report, which I believe are fraudulent. I ask that they be promptly blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several fraudulent accounts on my latest credit report that I did not approve. I request their immediate deletion.

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 2024-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: City First Mortgage Services, LLC.
State: GA

Complaint narrative:
XXXX XXXX Predatory lending practices, such as exorbitant interest rates and closing costs is not a legal practice. 

This loan was secured with XXXX XXXX in XXXX of 2023. It was sold to XXXX XXXX XXXX before I could address the high interest rate and unfair closing costs. XXXX XXXX directed me to XXXX  XXXX. 

XXXX XXXX and XXXX XXXX, the XXXX XXXX  Team directed me back to you who should have advocated for me, the buyers I am writing to express my disappointment regarding the terms of my recent mortgage agreement with your company. The loan was sold to XXXX XXXX XXXX last year. However, I am advised to address this concern with you as the loan 's originator. 

I purchased a home on XX/XX/year>, in XXXX, Georgia. I encountered several issues that warrant your attention and review : XXXX. Interest Rate : Despite having an excellent credit score of XXXX, I was assigned the highest interest rate of 9.125 %. This rate is significantly higher than the average rates for individuals with similar credit scores. Given my strong credit history, I believe this rate is unfair and not reflective of my creditworthiness. XXXX. Closing Costs : The closing costs for my mortgage exceeded {$30000.00}, which appears unusually high for a home priced at {$450000.00}. My pre-approval letter indicated a purchase limit of {$570000.00}, and I expected the closing costs to be proportionate to the purchase price. I should have received credit payments from the seller for the items that were not fixed at closing ( i.e. - the heat/air conditioner ). 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 2024-11-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : 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 XXXXXX/XX/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 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My recent credit report includes accounts that I do not recall authorizing, and I believe they are incorrect. Please remove them at once.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing the reporting of a derogatory account by XXXX XXXX on my credit report. The account details are as follows : The account was opened on XXXX. 
The last payment was made on XXXX. 
The account had a credit limit of {$XXXX} and was closed on XXXX with a {$XXXX} balance. 
The account status is reported as derogatory, which is negatively affecting my XXXX XXXX. 

I do not understand why this account is marked as derogatory, especially since the balance was {$XXXX} when the account was closed. I have not received any notice or explanation regarding this status. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor XXXX invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).

I am requesting an investigation into this matter, as well as an explanation or correction of the derogatory status.

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