vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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:
I applied for a Sephora Credit Card through Comenity Bank on XX/XX/XXXX. 
When I went in person to the store on XX/XX/XXXX, I was told I could not pay my credit card in person, but had to call. I called together with an associate and we were both told I could not pay without an account number. 
I do not have the associates name, but the store was : XXXX XXXX at XXXX, XXXX, XXXX  XXXX. 
I was told to wait up to 2 weeks for my card and account # to come in via mail. 
2 weeks pass, on XX/XX/XXXX, I call Comenity bank. I was assured that since it was the holidays, mail was a little slower and to call back if I dont get my account info within a week. ok fine. still within the 4 week limit so no worry of a late payment or anything of the sort. 
I then call XX/XX/XXXX. ok.. it's been a month now. just give me my account # so I can pay the balance. again, oh nothing will be added to your credit report, dont worry, we'll send another letter out. ok, fine. 
I EMAIL XX/XX/XXXX- hey, this needs to be taken care of. can I mail a check? anything? no one is helping me and ALL I want to do, is pay my balance. 
No response. 
XX/XX/XXXX : finally I received my account information via mail. Online system won't let me REGISTER in order to pay (?!?! ). Finally, I've had enough. I call and in the process get told I dont even have an account and nothing with my name/social security is coming up. I then get transferred TWICE because everyone is so confused on how to navigate the situation. Finally, they tell me to just pay via easy pay ( where I dont have to create an account ). ok fine. as long as I can pay im fine and will cancel this useless card. I go to easy pay.. oh would you look at that? I have a {$33.00} late fee. that's convenient? I tell them how many times I have called.. " ma'am, this is the first call we have gotten. '' I politely tell them to check their email as I had also sent a detailed call log of the amount of times I have reached out to them, telling her there may be nothing tied to my account because the online system isn't even recognizing my account. I even offer to send the email AGAIN to whatever email she can read at the moment. She refuses to check the email and says I either pay the late fee or get sent to collections. Are you insane? This is the most frustrating credit card I have ever received. just plain ridiculous. 
person I talked to at customer service that said there is nothing she can do to help : XXXX. Employee # : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
I was a part of a data breach! Remove any/all inquiries from ALL credit reporting agencies including Experian, XXXX, XXXX, and 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 2025-01-07 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent, and I believe they are a result of my personal information being leaked on the dark web. I am requesting the immediate removal of the following inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-01-07 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 did not approve this inquiry, nor did I have any conversation with this lender on the given date.

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 2025-01-07 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:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Experian, XXXX XXXX and XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding an erroneous entry placed on my credit report by Wakefield and Associates. On XX/XX/XXXX, Wakefield and Associates added an account to my credit report that does not belong to me. This account is linked to XXXX XXXX XXXX XXXX XXXX, and I believe it is the result of identity theft. On XX/XX/XXXX, I was notified that my Social Security number had been compromised due to a data breach and subsequently discovered that it was available on the Dark Web as early as XX/XX/XXXX. Following this notification, I carefully reviewed my credit report and discovered the erroneous entry. To address the matter, I filed a dispute directly with Wakefield and Associates on XX/XX/XXXX. I provided them with an explanation that my Social Security number had been compromised, and I informed them that this account does not belong to me. Despite these efforts, the company declined to remove the incorrect information from my credit report. For further context, I have documented evidence of several breaches and Dark Web disclosures involving my Social Security number over the past year : XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Dark Web activity found These breaches and Dark Web activities directly contributed to this identity theft issue. I am requesting your assistance in addressing this matter with Wakefield and Associates to have the erroneous information removed from my credit report. This situation has caused me significant stress, and I need this resolved promptly to protect my credit standing. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
My fianc and I had set up an account specifically for our honeymoon fund. After our honeymoon, we transferred the funds into our money market account. Subsequently, a bill was paid, which caused a negative charge to be posted to our account. Unfortunately, we were never notified about this, and we were unaware that the account had gone into delinquency. XXXX claims they sent 3 letters, and I have the XXXX informed delivery emails as evidence to support that we did not receive. 

We recently got married and are in the process of purchasing a new home. When I visited the bank to request new cards and inquire about a mortgage, I was informed that our account had been locked and closed. There had been no communication from the bank regarding this issue, and the account was reported to the credit bureaus, even though I made an immediate payment to resolve and was assured this issue was out to rest. 

I called Lake Michigan Credit Union, and was advised to dispute the issue with the credit agencies, which I did. However, the credit agency informed me that I need to resolve the matter directly with the bank. 

We are currently in the process of building our dream home, and this negative mark on our credit is severely impacting our ability to secure financing. I have maintained excellent credit throughout my life, with no history of late payments or delinquencies, and this situation is truly disheartening. We genuinely did not realize there was an issue with the account, and it was fully paid off before it was reported to the credit bureau.

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Down payment and refund for service contracts is being kept from me when they are due to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Last year i received a letter from a debt collection agency ( i did not make a copy of the letter..i realized now i should have ) about a {$59.00} dollar dept i owe to XXXX  about equipment that was not returned when i canceled my account. 

I replied back to the company and provided the XXXX tracking number and receipt and letter from XXXX store how the equipment has been paid. They told me yes they see and all is resolved. 

Today XX/XX/year> i received another letter from another company MRS BPO , LLC with the same amount of {$59.00} that i owe to Spectrum. 
I just contacted MRS to see what this is about, but i am 100 % sure its in reference to the equipment i shipped back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX SXXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Cease and Desist Letter To Whom It May Concern, I am writing to formally demand that Portfolio Recovery Associates , LLC immediately cease and desist all communication with me regarding the alleged debt referenced in your correspondence. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Your continued attempts to contact me regarding this matter, if not in compliance with the FDCPA, could be considered harassment under the law. In XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), the Supreme Court reinforced the applicability of the FDCPA to debt collectors, and violations of these provisions will not be tolerated. 

Additionally, in XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, 559 U.S. 573 ( 2010 ), the XXXX emphasized that debt collectors are responsible for compliance with the FDCPA, and ignorance of the law is not a valid defense. 

I no longer wish to be contacted regarding this matter by phone, mail, email, or any other form of communication. All future correspondence must be limited to written notices as permitted by law and only to inform me of any specific legal actions you intend to take concerning this alleged debt.

Additional Requests Verification of the Alleged Debt : Provide detailed documentation to validate the existence of this debt, including the original creditor 's name, the date of the debt, and the exact amount claimed. 

Confirmation of Compliance : Acknowledge in writing that you have recorded and will honor this cease-and-desist request in accordance with FDCPA regulations. 

Notice of Rights This letter does not serve as an acknowledgment or admission of the validity of the debt in question. Any attempt to pursue collection activities after receipt of this notice, except as explicitly permitted under the FDCPA, may be considered willful noncompliance. 

Such actions will compel me to take further steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's Office, and pursuing appropriate legal remedies. 

I expect your written confirmation of this cease-and-desist request within 10 business days of your receipt of this letter. Please direct all necessary correspondence to my address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-07 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: CA

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

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 2025-01-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-08 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: DE

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 2025-01-07 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: FL

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

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 2025-01-07 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a statement from XXXX that I opened a credit card in XX/XX/year>. I never opened a credit card with them. I was also charged with XXXXXXXX XXXX worth of purchases, which I never did.

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