vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2022-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian for almost 3 years now will not let me file online disputes. I've done everything asked as in trying different browsers and machines. Yet friends are able to dispute on my devices. I've even paid for the premium service because they told me that would fix it ... a year later still nothing. I just get ignored. And I'm certain it's because they purposely removed my ability to do so. As I've spoken with many others online with the same problem same runaround and same results. If they're just randomly removing people 's ability to dispute online that gives way to ask ... are they even looking into the disputes? Why send XXXX in the mail? I have XXXX faith this company will do what they're quite literally in business to do. This company needs to be watched and closely. They have the ability to make life impossible for anyone if they neglect duty. Even sending this complaint I feel as though my credit will suffer just from the treatment I've already received from them.i lack any faith in this companies abilities to do its job as it should. They take action randomly removing ability to dispute online e why wouldn't they neglect to add or remove information that would help that individual? That account is clearly flagged in some way.

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 2022-10-21 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/22, while checking my account online, I discovered 8 charges on my BJs Perks Mastercard that I did not make. I immediately called the number on my card ( XXXX ) XXXX ) to report the charges and was on hold for over 20 minutes and never spoke with a customer service representative. I also contacted them through the secure message center, explained the problem and uploaded an attachment of the 8 unauthorized charges. I received a form letter response asking me their " Account Protection team '' by phone at XXXX. I have called both numbers at multiple times since and each time was on very lengthy holds without ever speaking to a person. I sent another message through the online message system, letting them know I tried to call many times but could not talk with anyone to resolve the issue, and provided my phone number for them to call me. I got the same form letter response asking me their " Account Protection team '' by phone at XXXX. Again, I've made multiple attempts to contact them with no answer. 

The 8 charges were all made on XX/XX/22 All appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these charges. I have uploaded a screen shot of these charges on my account. I am extremely frustrated by the non-existent customer service for this credit card ( issued by Comenity Bank ) and at a loss for how to resolve this. My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I was able to lock the cards on the account. I want to have these charges removed and close my account ASAP. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 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: MI

Complaint narrative:
Account XXXX XXXX XXXX XXXX loan I bought my vehicle in XXXX of XXXX, After repossession of my vehicle 2 yrs. later there was a 33 state Predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relive all defaulted loans to help repair credit of those individuals. So, after several attempts to get the account removed from my credit profile it remains on my credit report. XXXX settle the case early XXXX according to the agreement, my debt is to be forgiven and the account status because of what the agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of 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 2022-10-21 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have already submitted a report recently reguarding a dealership running my credit fraudently and as a reesult I incurred alot of hard inquries. I accidently left out some of these inquries that was left out of that report because I was awaitng for an offical credit report to b mailed out to me, but wasn't aware they included more. I would like to at this time include these inquries to the report I previously submitted. The previous report number is # XXXX. These are the added Inquries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX bank ) 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 2022-10-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already submitted a report recently reguarding a dealership running my credit fraudently and as a reesult I incurred alot of hard inquries. I accidently left out some of these inquries that was left out of that report because I was awaitng for an offical credit report to b mailed out to me, but wasn't aware they included more. I would like to at this time include these inquries to the report I previously submitted. The previous report number is # XXXX. These are the added Inquries below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX ( bank ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MO

Complaint narrative:
Hello I have made transfer to XXXX on XXXXXXXX XXXX XXXX and XXXX promised to deliver the funds by XX/XX/2022. The transaction reference number is Reference No.XXXX and the transaction amount is XXXX USD. Its been almost 6 months and the funds were never delivered and were deducted from my debit card. I tried contacting Remitly multiple times and the only thing they say is they are working on refunding it but never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.

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 2022-10-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.

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 2022-10-21 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: IL

Complaint narrative:
There is 3 accounts on my credit report from XXXX, which is a student loan servicer. The 3 loans were opened and placed on my credit report in 2006. Ive never defaulted on the loans and the loans were paid off. Ive contacted Experian to have them removed from my credit report because they have been on there well over 7 years. Experian failed to look into my dispute. I want these 3 accounts with XXXX removed from my credit report.

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 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2022-10-21 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: MO

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2022-10-21 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: PA

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 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I received a letter from Credit Control , LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX XXXX XXXX and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX XXXX, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights.

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 2022-10-21 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: AZ

Complaint narrative:
Reference to CFPB report XXXX, XXXX XXXX. Experian Credit Bureau received a notification from XXXX XXXX that my payment to them was over 60 days late. I disputed this because XXXX XXXX attempt to take advantage of a senior citizen ( XXXX years old ) by falsely stating I refinanced my loan. In my dispute, I specifically, pointed out to Experian that this loan was already paid off and I can prove it by giving them copies of all payments to show the amount of the load was completed. In addition, XXXX XXXX could not provide a copy of any contract showing I refinanced the load nor could they provide any substantial evidence proving I received any money from them other then the original loan. This Experian did not do. 
Experian Credit Bureau refused my dispute without confirming XXXX XXXX intentions were legitimate. They just reduced my credit rating to below average and again this reflected of me not being able to obtain a Home Owners Line of Credit. Experian could have substantiated XXXX XXXX allegations by having them present the documents showing the loan was legitimate. Experian did not this..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
We initially filed several disputes with American Express on XX/XX/XXXX against XXXX XXXX XXXX. The charges were for an upgrade to a timeshare purchase on XX/XX/XXXX. We submitted 4 disputes and we received letters stating we won our cases on XX/XX/XXXX. They refunded us the amount of all charges and sent us a refund check. However, we received notice that one of the charges was placed back on our account on XX/XX/XXXX because it was over 60 days old, {$16000.00}. 

I have called every day since XX/XX/XXXX explaining the fact that XXXX XXXX breached our contract on XX/XX/XXXX and that is why we are disputing all payments for this upgrade in XXXX. They did not breach the contract until XX/XX/XXXX, but since we filed it on XX/XX/XXXX, we are within the 60 days of our claim, but American Express keeps closing the claim for the reason of 60 days, they are only looking at date of transaction and not all the evidence I have uploaded to them. First, why would they have given us a refund in the first place, and second I have had to call every day to re-open the case to hopefully get their investigation team to see that they breached the contract on XX/XX/XXXX instead of just looking at the date of the transaction. 

I have written down everyone that I have spoken with including a supervisor XXXX, who assured us that the case would get looked at and she agreed that I was right filing within the 60 day time frame. We filed it right away after XXXX XXXX breached our contract on XX/XX/XXXX. I have documentation that shows XXXX breached the contract and have forwarded all the necessary documents to American Express, but the investigative team will look at my supporting documents. I need help so that they will!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.

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 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: OH

Complaint narrative:
I took inquired about a loan for {$1000.00} and was approved and sent the funds before any information was given on the actual amount due for repayment. I was unable to login on their website until the day repayment was due. This is where I finally was able to see how much they would deduct biweekly and finally able to see the interest rate charged. The interest rate they charged is 689.99 % for {$1000.00} loan. I was completely blindsided and never thought charging so much was even possible or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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