vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a free Experian ID account because of a breach several years ago when my financial information was stolen. I am supposed to be able to access my score a rundown of attempts to access my accounts as well as lock/freeze and unlock? unfreeze my credit. 
My problem is it takes several hours of phone calls to be able to login this has been an ongoing problem since the breach. I know longer remember the date of the breach but it has been several years. 
I tried reaching my Account on XXXX XXXX and again today XXXX XXXX at approximately XXXXXXXX XXXX it is now XXXXXXXX XXXX I just ended the call to Experian and and decided the CFPB may need to get involved. I am pretty sure I'm not the only one with this problem. 
Id theft has no consequences for the Company 's credit bureaus and others who aggregate our personal and financial information. his has to change. 
The reason i wanted to check my report is I was notified of another breech we were involved in. 
Contact numbers for these Credit bureaus are buried so you have to jump through hoops to find them, when you do find them you have to jump through more hoops to get to a Human and generally they are from overseas and their language skills are extremely limited. 
Thanks for listening please help. 

XXXX XXXX XXXX XXXX, Oh 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Amex : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
My charged off vehicle was repossessed after making my payment 7days late due to financial hardship. Though I was given a written agreement of a monthly payment of {$400.00} on the 15th with no grace period for late payments I was told by a Bridgecrest rep by phone that I can still redeem my vehicle if I make my monthly payment and pay the repo fee of {$350.00}. 

Bridgecrest accepted my Monthly XXXX payment totaling of {$490.00} on XX/XX/23. 
I called back after borrowing money to pay the repo fee but the company was closed over the weekend so I had to wait til Monday to pay the repo fee. 

When I called to pay the repo fee and redeem my vehicle I was told by a bridgecrest representative that I had to now pay {$560.00} because I now have a bi-weekly payment and it was due on the XXXX of XXXX. I was not informed of these changes made, When I asked was I on bi-weekly now after they took my monthly payment and the written agreement was monthly, I was told because I defaulted by paying late, they changed it back to bi-weekly payments. 

the company has violated the contract agreement and given false information because even on my original contract agreement before charge off the bi-weekly payments dates are not set for the XXXX. The company has made It financially difficult to get my vehicle back by charging twice ( a set monthly payment {$400.00} ) ( and a bi-weekly payment ) both for the month of XXXX in order to get my vehicle back. 

I was not notified of these changes the company has violated XXXX code by giving False, deceptive, or misleading representations or means. 

I was told by another bridgecrest representative that the monthly agreement was of no effect after the fifteen but yet they took my monthly payment for XXXX and charged me bi-weekly payments on top of that for the month of XXXX plus additional fees in just XXXX weeks of repoing my vehicle totaling in the amount of {$1200.00}. 

the company has put my car up for auction without giving me any written notice, I updated my address months ago by phone and even confirmed again my information and the company has not sent me any notices but lied and said they sent out notices on XX/XX/XXXX that the vehicle was sent to auction. 

When I called by phone to make my payment on the XXXX I was told by phone my vehicle was not in auction nor was there a key made and I was given a quote of {$350.00} after paying my monthly cost of {$490.00} to get the vehicle back. 

This company has financially oppressed me and robbed me and auctioning off my vehicle even after receiving my monthly payment for the month of XXXX, I was told I still owe a debt and have to pay regardless or I can't get my vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have had a Lowes credit card for many years.

When I went to the hospital this summer, I wanted to have my son and his friend be able to pick up things from the store for me.

When I called Lowe 's to add them to my account, Lowe 's canceled my card and issued two cards to the boys. When Lowe 's did this, they put hard credit hits on each of the boy 's credit reports without their permission. 

I still await my replacement card that was taken and blocked during a time when I have needed to use the card. This has been very inconvenient for me. 
When I called to ask them to take the hard hits they put against the puts off, Lowe 's refused and said the boys would have to call them themselves and provide social security numbers and driver 's licenses to have the hits removed.

This is not fair to the boys who did not ask to have Lowe 's search their accounts.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Need XXXX and Equifax to follow suit on item removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried on many occasions with all 3-credit reporting agencies. they are report inaccuracies and inconsistency on my credit report. they are not metro compliance, all items they claimed to have investigated and how was that done and still its inaccurate and inconsistent no updates. remove they are hurting my credit. and all negative items that is hurting my score must be removed immediately. i have attached documents of proof of the inaccuracies and inconsistencies

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
They call me 3 times a day for the last week 2 have asked repeatedly to but put the do not call list they have called repeatedly and I would like for them to stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
The XXXX XXXX XXXX in XXXX XXXX has recently sent a garnishment to my employer. The garnishment is for an XXXX store card in which I never had or applied for. Now i have contacted all 3 Credit agencies and this store card was no where to be found on my credit report. I also contacted XXXXXXXX XXXX which owns the XXXX XXXX card and reported this as fraudulent. The XXXX XXXX XXXX has not had good standings with the XXXX  and most of the bad complaints are like mine in that the XXXX XXXX XXXX is persecuting people for debts not really owed. 

XXXXXXXX XXXX  did tell me the card was taken out in my name and is investigation th allegation, when i tried to receive help from the XXXX XXXX XXXX it fell on deaf ears and they were extremely rude. Ponzi scheme if you ask me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
About a month ago, I visited my local chase bank ( whom Ive done business with for about 10 years now ) and applied for a bigger credit card ( my current one has a XXXX limit ). The supervisor sat down with me and called the underwriter and had them on speaker phone, they asked all the questions and finally got to the question of income. I responded with I am XXXX XXXX XXXX, and receive XXXX a month in va compensation and they responded ok, so, unemployed and the supervisor kinda sat back into his chair looking confused. I said no, I have XXXX XXXX XXXX through the va, and its total and permanent they said ya, unemployedand Im sorry sir but your application has been denied, goodbye and hung up. The supervisor looked me square in the eye and said you might wan na find yourself a different bank and shook my hand and I left humiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and 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 is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, COMENITYCAPITALXXXX Reported : 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, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23 my BOA account was locked due to suspicious activity, I have confirmed numerous of times that it was me using my own debit card. Then XX/XX/23 BOA made the decision to close my deposit account. There is a balance of {$62000.00} that is rightfully owed to me but BOA keeps extending the hold on my funds. A cashier check of {$42000.00} was deposited on XX/XX/23 and was supposed to be made available by XX/XX/XXXXbut BOA keeps extending the hold. There is a new hold on XX/XX/23 for the same deposit. I felt that BOA froze my account unlawfully with a faulty fraud detection program, when there was, in fact, no fraud. I also felt that BOA broke the Regulation CC law by not making {$5500.00} worth of funds available the following business day and going pass over 7th business day. 
XXXX XXXX XXXX : Bank of America Account # : XXXX Routing : 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