vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: MRS BPO, LLC
State: OH

Complaint narrative:
XXXX has turned over my name and information to a credit collection company that sent a bill to my address that is incorrect and I dispute. I requested detailed information on the account and XXXX sent me a bill Account Number XXXX XXXX XXXX XXXX for services extending from XX/XX/XXXX through XX/XX/XXXX at the address XXXX XXXX XXXX XXXX, OHIO XXXX. I moved from that address in XXXX of XXXX, cancelled service with XXXX and returned the equipment. This company has been turned into the Ohio Attorney General previously for sending a bill reflecting the equipment had not been turned in, yet I still had the receipt and provided it to the Ohio Attorney General. Now, I received a bill shortly after the mailing date on the notice of XX/XX/XXXX from MRS BPO, LLC- A DEBT COLLECTOR stating they have a collection account : XXXX in my name. I have no debts or collections of any kind and requested a copy of the original creditor claiming to be owed. On XX/XX/XXXX I received a packet with a bill from XXXX from the dates indicated above. I had no service at the address that I authorized and I moved in XX/XX/XXXX. Please request this collection agency and/or XXXX to provide the original contract signed as any additional contract it may have that authorized service at XXXX XXXX XXXX XXXX Ohio XXXX after I moved into the same place I currently live. I just renewed my lease now 1 year later. I moved into my current place in XXXX of XXXX, cancelled XXXX service and returned equipment. XXXX is committing fraud and I want each and every inquiry or negative report on my credit removed. I intend to place a inquiry on my reports and sue XXXX and the collection agency for each and every fraudulent entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This started last year that we missed the payment due to our vacation trip, we're charged Late Lee ( LF ) and Interest ( I ) but was reversed upon request, which we appreciated. 

On XXXX, we called disputing the total charges of {$32.00}, after a lenghty talk the CSR said she'll try to waived the OTHER LF & I, we then paid the {$17.00}, leaving a balance of {$15.00}, supposedly they will waive. 

We then requested a copy of the statement dtd XXXX and was received. Talked to them again to waive the {$15.00} as pormised, this time based on their XXXX.Statement send On XXXX, Why didn't they gave me the balance then, we assumed it's still {$15.00} but to date ( XXXX ) Talked to XXXX XXXX when asked, it's NOW {$49.00}, representing 2 LF+I, but never received the XXXX Statement. 

Can you imagined instructing us to talk to our Bank, what's our bank got to do with their LF-I?! 

They even reported me to the XXXX for measley {$15.00} arrears, which was not fair afterall my XXXX score was XXXX and was pulled down to XXXX. Unfair from a lousy company to do that w/o checking XXXX background.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 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: CA

Complaint narrative:
I froze my credit with Experian multiple years ago. 

I wanted to check to ensure my freeze was still active. You used to be able to freeze and unfreeze on their website without an account. I set up my free before an account was required. Now the system requires an account. 

I tried many, many times to create an account on experian.com, but it simply would not work, and no errors were present to indicate what was going wrong. I called them many times and tried to get in touch with a human to figure out the problem. Their regular support phone system is terrible and will now allow you to reach a human. I had to use their business support line to pretend I was a business then, upon connecting to a human, inform them of my actual issue so they could transfer me. 

When I got to an actual human, they were extremely confused and had difficulty understanding what the problem was. They had to call many different departments and supervisors to relay my information without actually connecting me directly with the more useful employees. They ultimately said " you can not create an account because you have a credit freeze in place, we need to lift the freeze so that the account creation mechanism can pull a credit report and verify your identity ''. I said okay, they unfroze it, I tired again, and it still wouldn't work. They then put me on many holds as they called various other departments to see what was wrong. They then concluded that there was some inaccurate information on my credit report that was preventing me from creating the account. They said the only way to resolve it was to mail me a hard copy of my report and, upon receiving it, I need to then call them back ( somehow navigating the terrible phone system ) to then dispute any inaccurate information or confirm that there is indeed no inaccurate information, at which point they would have to escalate the issue. 

I now have to wait XXXX weeks to get the report. I have little faith that I will be able to resolve the issue once the report is in hand. In the meantime, until this gets resolved, if it ever gets resolved, I am completely unable to freeze and unfreeze my credit with Experian. This is an infringement on my rights, as the FTC recently rules that bureaus must allow free access for consumers to freeze/unfreeze their credit on demand : https : //www.ftc.gov/business-guidance/blog/2018/09/new-freeze-law-effect-september-21st-your-business-ready I don't know what to do.

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 2023-04-04 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX ACCOUNT ; XXXX DATE OPEN ; XXXX XXXX THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: WI

Complaint narrative:
XXXX XXXX ACCOUNT ; XXXX DATE OPEN ; XXXX XXXX  THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 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 a 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 to any 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 2023-04-04 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: MI

Complaint narrative:
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX DEPT OF EDXXXX XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any 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 2023-04-04 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: MI

Complaint narrative:
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any 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 2023-04-04 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good 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 non-monetary relief
Consumer complaint received 2023-04-04 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please send me an up to date credit report to my email : XXXX and or by mail : XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from transunion and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from 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 non-monetary relief
Consumer complaint received 2023-04-04 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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN XXXX XXXX UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN XXXX XXXX UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
The account that was opened was fraudulent and I have tried to show the The police report and I'd theft .gov papers and the photo of me and my address and they still say it mine and it's not... I'm disappointed in all this to correct something that isn't mine and never was and was never in California

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
I have used Wise ( previously Transferwise ) for over 2 years to make weekly payments to parties in the XXXX and more recently to XXXX as well as domestically to the U.S. I made three transfers on XX/XX/23 and those went through. Since then I have attempted to make an additional transfer ( on XX/XX/23 and again today XX/XX/23 ) in the amount of {$120.00} but the Wise app and website keep claiming that there isn't enough money in my bank account for the payment to go through. This is false. The account in question has over {$600.00} in it. 

I called their " customer service '' and the person was completely unhelpful and basically said there is nothing she can do : I have to wait 4 days for this to " clear '' and she blamed the ACH system because the 3 transfers have somehow " not cleared. '' This is a false statement. The 3 transfers have already been reflected on my bank account and the recipients have received the money - there is no " clearing '' needed. And I've never had this problem before. She claimed you can only make one payment at a time and then you have to wait 4 days and that is also not true, I have made multiple payments in the past, including the ones on XX/XX/XXXX. 

I asked to be connected to someone ( e.g., a supervisor ) but she claimed none was available. Sounds like a real control risk here. 

I am going to completely switch my business to a more reputable and reliable transfer service. I am asking you to investigate " Wise '' because something is clearly fraudulent going on here if I can't access money I know is in my account. These transfers are to people in XXXX XXXX XXXX who are supporting my business and although the amounts are small, this is what these people live on. Waiting 4 days is out of the question and would break my contract with them that requires payment in 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
The Capital One credit card company employees failed to inform me about the status of my ongoing dispute with two unauthorized purchases on my account, resulting in an overdraft that negatively impacted my credit score and my account balance. 
I waited months without any notification that a response had been posted/uploaded to my 'statements and documents ' account on XX/XX/2023, after my response on XX/XX/2023. During those months my account remained in overdraft and my credit score was negatively impacted by charges that I had disputed and did not authorize. 
On XX/XX/2023, I called the capital one fraud department and spoke with an employee who told me to submit a signed letter I had already submitted on XX/XX/2023. I realized that I was being given 'the run around " so I asked to speak with a manager. The Fraud Dispute Manager, XXXX, Employee # XXXX  XXXX, told me that I had a 45-day deadline from the time of their response on XX/XX/XXXX, which put me over the deadline to continue my dispute. 
The unprofessional and neglectful customer support I received from Capital One employees was the only reason I was unaware of the status of my dispute claim. The capital one employees I spoke with also provided false phone numbers for the XXXX company. When calling the number provided, a random tax representative by the name of XXXX answered. 
I have no way to contact the XXXX company, however, capital one seems to be in contact with them but is providing little to no assistance in handling my dispute professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence

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