vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I have communicated multiple times with them and the havent send me my request for debt validation showing my signature my self opening that account or that I did any transaction with my signature. Picture its from my last interaction with this company that I have proven they dont have my phone number their base because the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XXXX dismissed without prejudice, for lack of prosecution and cost to plaintiff but still they sold to another company. This company also send me letter stating they have requested consumer reporting agencies to report to the account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Upon reviewing my recent credit report, I found multiple fraudulent accounts that were added without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im victim of XXXX XXXX debt bondage, which falls under XXXX  debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly ask that you remove and block all information in 4 business days. Pursuant to section 605C of the Fair Credit Reporting Act. List of fraudulent accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: PA

Complaint narrative:
In the debt validation letter, the debt collector, AR Resources , Inc., is supposed to provide an end date for a 30-day period when I can dispute the debt. That is missing from the document they sent me. They are in clear violation of the The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
IN 2005 I was given a HELOC with INTEREST ONLY PAYMENTS. at that time until recently I was unaware that this is an illegal loan. I paid on it for 14 years interest only payments. This derogatory information needs to be removed from my credit report. 



Also I recently requested a 5 year fraud alert on my Experian file and received a letter stating that I need send in identifying information. I did this and was it is being requested of me AGAIN. PLEASE LOOK INTO THIS. I ALREADY SENT IN THIS INFORMATION.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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:
TransUnion routinely ask for Drivers License and Social Security Card which are items which banks use to create credit when performing a consumer transaction. My credit is an extension of my reputation. TransUnion continues to damage my reputation with fraudulent credit reporting causing me to have denial of credit. The Federal Reserve Banking Act Section 12 Part 1 States the ony entity that can deny credit is the Board of Governors.

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 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year> a wire in the amount of XXXX was sent from XXXX XXXX account XXXX to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX The recipient claims they have not received the money and Bank of America has not replied to 5 recalls initiated by XXXX XXXX. Bank of America is holding my money and will not return it to my account.

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 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I I checked my consumer XXXX XXXX credit report to see I have a collections with XXXX and other crab bureaus on this account ALDOUS number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: CT

Complaint narrative:
I do not recognize these inquiries or have any connection with the mentioned creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: CA

Complaint narrative:
I have been trying to cancel my subscription and. Lose out this account since XX/XX/year>. Ever month fees are taken out and all I am getting is errors and cant speak to a live person. 

The process to close out the account I have to enter Albert Cash debit card to confirm your Cash account closure. I dont have an Albert cash debt card as one was never issued. I tried but due to the making address I am using it wont send one. I have been living in motel and have no residence address. So I have been forced to deal with fees of {$XXXX} taken out every month. I cant unlink my bank account with adding another which I dont have snort to provide.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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: SC

Complaint narrative:
on XX/XX/year>, I discovered that my credit card account has been compromised, resulting in unauthorized transactions that I did not initiate or authorize. I have already reported this issue to your fraud department in XXXX ( or wherever ) without success. For some reason no one could understand my issue. Apparently, someone changed the phone number and address on my account, which has since been canceled. Apparently I owed XXXX $? on the card for a recurring charge. I never received the bill because this address had been changed and I was unable to long on to my account because it had been closed. 

Despite this, I was dismayed to learn that a negative report related to this fraud has been sent to XXXX, which has significantly affected my credit report and score. My score dropped XXXX points and therefor will be extremely costly in regards to future loans, etc.

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has closed my checking and credit card accounts with claim I am deceased. They told me they did not get authorization from the SOCIAL SECURITY XXXX to label me as deceased either. I have not been able to manage my accounts at all, nor make special deposits because of their error. I was able to do a Live Proof Claim with the banks notary. The XXXX of the bank located on XXXX XXXX in XXXX, XXXX said that I will need a new account and that the new account will have a monthly service fee which is an adverse effect on me because the account they closed did not have that monthly fee.

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 2024-09-05 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:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-09-05 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: GA

Complaint narrative:
PLEASE SEE DOCUMENTS AND HAVE THE ACCOUNTS AND INQUIRIES DELETED IN 24 HOURS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE SEE DOCUMENTS AND HAVE THE ACCOUNTS AND INQUIRIES DELETED IN 24 HOURS.

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 2024-09-05 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: SC

Complaint narrative:
Unauthorized inquiry on credit report equifax refuses to show proof of the investigation the did to verify. I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Sunday, XX/XX/XXXX at XXXX XXXX I received a text and email fraud alert from Chase Bank. I was asleep at that time and was not able to reply to the attempted charges. Upon waking up on that same day, I realized my account had been compromised and that my debit card was missing. I immediately called the bank to open a claim and cancel the card. I was told that a claim would be opened and that I would received a temporary credit for the charges in question. A few weeks later, I notice that the credits in my account had been reversed. Upon calling Chase and inquiring the reversals, I was told that they deemed the details of the claim insufficient and that the fraud claim would not be honored. I called the claims department and was told that there was not enough information to confirm that my card was not in my possession or that I was not the one who used the card for the charges in question. I was told to come up with evidence to prove it was not me and to fax over the evidences. I was confused on what I could use as evidence to prove it was not me so I decided to visit my local branch. At the branch, I was helped by a gentleman who told me that I could submit the text alert, the email alert and the details of the transaction printed from the Chase banking website. These evidences would prove that Chase flagged it as fraud and that I was confirming their suspicions. I submitted all the documentation and escalated the claim. I then received a call from the person assigned to my claim stating that they would look into the denial. 48 hours later, I received another call from that claims manager informing me that the decision made by Chase to deny my fraud claim would stand. According to the claims manager, Chase is saying that because the location of the fraud is within, my scope of region, Chase believes I did in fact process and approve the charges in question. I then called the claims department again and was told to come up with more proof that I was not at those locations, at that time using my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federal protected consumer rights. XXXX XXXX XXXX Account number XXXX I looked at my XXXX report a few days ago, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual 15 USC 1681 ( e ) ( b ).

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Pursuant to the Fair Debt Collection Practices Ac
t, 15 USC 1692g validation is requested from XXXX XXXX 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 non-monetary relief