vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: UPGRADE, INC.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Self Financial Inc.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
This complaint is against PayPal for their inconsistencies and discrepancy in handling of a dispute on transactions that happened on my PayPal account. I use my PayPal for purchases and payments on both recurring payments and purchases where the merchant only accepts payment through PayPal. Then I had a series of unauthorized cash advance payments on different credit cards between XXXX and XX/XX/2023. My first attempt to dispute these charges through PayPal came with a hostile response from PayPal denying my claim by comparing these unauthorized cash advance to regular purchases made which is totally absurd. I now had to dispute these charges with the credit card companies, and to my dismay PayPal continued to provide the same unscrupulous comparison of authorized purchases with unauthorized cash advances. To make matters even worse and more annoying, some of the unauthorized cash advances we resolved and others not, on the same claim that was filed. This is causing so much confusion between me and the credit card company because of the information provided by PayPal. PayPal should take responsibility that a series of unauthorized transactions is on them and retrieve the misleading and inconsistent information provided to the credit card companies. The Credit Card companies are : XXXX XXXX XXXX XXXX XXXX ending in XXXX for {$2000.00} plus fees and interest during the period of dispute since XX/XX/2023, XXXX XXXX XXXX XXXX XXXX ending in XXXX for {$1100.00} and XXXX XXXX XXXX XXXX ending in XXXX for {$1300.00} ( of the remaining disputed charges ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America I put in my minimum payment of XXXX and they then did a second payment of XXXX without my authorization. I called they said they would reverse it but I have a feeling it will take a long time to process the reversal. I want to submit a complaint to ensure the reversal will happen in a timely manner. The payment of XXXX was never authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : RENTRECOVERY {$2100.00} 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I noticed a debt popped up on my credit report so i went to locate the crediting company to contact them and when i contacted them i was being screamed at by collection agency procollect in XXXX XXXX XXXX. # XXXX XXXX, texas. XXXX saying i owe a debt but wasnt explaining the debt of where i owed from just saying has has my number now and would be calling everyday. Im unaware of this debt and Ive been a victim of identity theft several times and need help.

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 2023-11-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 2023-11-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: NJ

Complaint narrative:
On XX/XX/2023 I went to a local XXXX in XXXX XXXX and attempted to take out XXXX from the ATM. The ATM did not dispersed the funds so I contacted XXXX XXXX to inform them of what happened as that was the institution that was printed on the ATM. Subsequently, I was advised to contact my bank which I contacted the Wisely company. They are the payroll company that handles my checking. They stated that XXXX had to do an investigation and advised me to contact them. In addition, they stated they would put in paperwork and send to XXXX XXXX. At the time they did not have any established dates for resolution. Since the XXXX, I have called Wisely and XXXX. They are literally pointing the finger at each other regarding resolution and investigation. Wisely stated that they have until XX/XX/XXXX. As I advised both institutions I needed my funding and if I had stolen XXXX then I would be in jail right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX, who used Comenity as their bank provider. I received my first invoice in XX/XX/XXXX and paid it in full and on time on XX/XX/XXXX using a standard personal check. Comenity has accepted the funds and has not recorded it as paid. Now they are calling me several times a day. I provided Comenity written proof from XXXX XXXX and mailed it to the address they requested over a month ago and the calls are still coming in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Reel Time Capital LLC
State: AL

Complaint narrative:
I borrowed {$500.00} and I paid it back. I thought that was the end of it until months later I started getting harassed that I never paid off my loan to them. Of course I was still receiving letters in the mail asking me to come back and borrow again but I never did. I try never to use these companies because of the ways that they try to trick you into borrowing money you dont need, but I had an emergency come up and I live on a very low income. 
Now, I just received a email stating I owe them over {$4000.00}, dollars! For what? This is getting ridiculous and I have been on the phone with these people asking them to stop harassing me and they wont. I might go XXXX months without hearing from them and then out of the blue they send another email or letter. They wont even tell me when I borrowed that amount and what I put down it was for. Its because I didnt borrow anymore money from them ever again. 
Can you please help me get these people to stop harassing me? 
Thank you for your help. 
XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX {$2100.00} 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX {$2100.00} 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-07 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Subject : bait-and-switch scheme RE : XXXX XXXX XXXX  card XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Amount Paid : XXXX Payment Method : Barclay Credit Card I agreed and confirmed that the price for car rental was {$280.00}. ( see attached ) Upon arrival to pick up the car, I was requested to pay an additional {$170.00}. 
I refused to pay, did not take car delivery, and left the office. 

XXXX XXXX XXXX XXXX runs a classic bait-and-switch scheme, especially geared toward XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 
Unfortunately, XXXX XXXX XXXX card involved and supports this bait-and-switch scheme and refuses to fix this situation. 
To confirm my view, you can also visit those two sites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You'll see literally hundreds complains about XXXX XXXX XXXX and XXXX XXXX XXXX Regard, 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