vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 of 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 2024-02-26 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:
Account # XXXX XXXX XXXX XXXX Amount : {$500.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. This inaccurate information reporting to my credit report is a direct violation of my consumer rights. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.

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 2024-02-26 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions I sent over all the information that was requested of me from them. I need to know about when it will come off my acct. I need to know since i sent the info when would they take it off my account.

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 2024-02-26 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: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, discover has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I first visited The USA in XXXX for education purposes. l applied for an SSN and got it. I stayed for a while and then returned to my country. Right now I have been living in The USA since XXXX. I am a US citizen. I visited the USA for vacation and trade purposes several times between XXXX and XXXX. But I never applied for any credit card, personal or student loan during this time. The current situation is I am being called and receiving mail Law firm about a debt. I have no idea what debt they are talking about. I do not know what I need to do. I received the first mail in XXXX from the Law office. Between XXXX and XXXX no one called me about this issue. Now They started calling me again. 
For your information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
Ive been asking Crypto.Com to close my XXXX crypto card for MONTHS. I sent all details and proof of ownership and identity as well through email. They kept emailing me weeks later telling me they apologize and that since a lot of time has passed since my request ( DUE TO THEM INTENTIONALLY RESPONDING LATE EVERY TIME ), to re confirm whether I want to close the card. THIS SAME XXXX HAS BEEN GOING ON FOR MONTHS. 

WHAT THE XXXX IS THIS? HOW IS THIS OK? Im extremely frustrated so posting here. THEY GAVE ME THE SAME RESPONSE AGAIN TODAY. They could keep doing this forever like this. 

WHO DO I CONTACT? This is driving me crazy. This is extremely shady. 

I know I dont NEED to close my card and can freeze and empty the balance which I did. But I want to close it and should be able to. 

Is there any agency I can report this to? Ive used very strong language with each passing email response telling them I AM SURE I WANT TO CLOSE IT AND TO CLOSE IT FOR GOOD FOR SURE INSTEAD OF DELAYING. They just wont do it. 

They keep stalling and telling me to resubmit the request or re email them back BECAUSE THEY KEEP TAKING FOREVER TO RESPOND. IVE EMAILED WITH MULTIPLE REPS AND RHE SAME THING KEEPS HAPPENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXL - 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 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I received my bill and noticed there was a late fee. I paid my bill thru my credit union and the credit union bill pay page showed my payment should reach Comenity in time. I called Comenity customer service on XX/XX/year> or XX/XX/year>. I explained my credit union bill pay system had apparently estimated the time of delivery wrong as it should have been by the deadline. I was told they could reduce my fee by {$15.00} but would not reverse it. I was angry, told the representative to close my account and hung up. I called back the next day as I had not requested that a copy of the account closure letter at that time. I was told I would be sent a letter closing the account after I explained my issue to the representative. I had the same issue with my XXXX card which is also issued by Comenity in this same time period. I called XXXX Comenity after speaking to the Big Lot 's representative and was told that yes, they could reverse the charge on my XXXX account and they did so. I have since gotten reminder emails that Comenity Big Lot 's is trying to get payment of the late fee. The total charge has now gone up to {$60.00} which is outrageous and apparently no portion of the fee was reversed as I had been told it would be. Also, since I requested the account closed I assumed that the balance would be frozen at that time, not that additional late fees would be charged. I still have not received the account closure letter requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
Carter-Young Inc has filed collections against my credit report for a collection that the creditor has not provided proof that amount due of {$290.00} is actually valid. Carter-Young Inc did not do any due diligence to make sure the amount that creditor is trying to collect is valid or not. I have requested from the creditor to provide me proof of the charges since XX/XX/XXXX. The property manager of XXXX on XXXX said they would provide me pictures of the damages and never did. My daughter moved out of the apartment in XX/XX/XXXX and we did not get this bill until 2 months after her move out date. The renter is only allowed to dispute via email. XXXX on XXXX does not give you the option to dispute in person or by phone. 

Property manager stopped responding to my emails and also did not respond to my complaint with the XXXX. XXXX on XXXX did not even bother to respond to my dispute with XXXX to provide proof that the charge was valid. 

I spoke to supervisor XXXX XXXX with Carter-Young Inc today XXXX XX/XX/XXXX and gave her the background with XXXX on XXXX and how XXXX on XXXX provided no proof of the charges they are trying to collect. I am not sure how a debt collector can attempt to collect a debt when the debt collector does not even know if debt is legit or not. 

We have video of what apartment looked like when my daughter moved out in XX/XX/XXXX, but the creditor has not provided any evidence on why a full paint or shampoo was necessary. 

XXXX on XXXX also needs to explain why utility charges are being billed a year after being incurred. All I have asked is for XXXX on XXXX to validate the charges, but instead of validating the charges XXXX on XXXX has turned me and my daughter to a debt collector and debt collector did not even validate if the charges are valid and now I have taken a significant hit to my credit score. My XXXX Score dropped by XXXX points, XXXX dropped by XXXX points and XXXX dropped by XXXX points after the collection hit my credit report on XX/XX/XXXX. 

XXXX on XXXX may not charge the renter for normal wear and tear on the premises and may only charge for actual abnormal damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: WA

Complaint narrative:
In XX/XX/XXXX, I applied for a Home Depot credit card while shopping at the XXXX XXXX XXXX. I never received the credit card in the mail but one month later I got three fraudulent charges on the statement. 

Three Fraudulent charges are : 1. XX/XX/XXXX Hardware purchase {$250.00} 2. XX/XX/XXXX Hardware purchase {$500.00} 3. XX/XX/XXXX Electrical and Lighting {$110.00} The XXXX Home Depot store was not even able to find the three transactions in its system. 

On XX/XX/XXXX after receiving the first statement showing the fraudulent charges, I called the Home Depot Credit Card Customer Services immediately and filed a dispute. XXXX, the customer service, canceled the credit card and provided a case number for this claim. 

In XX/XX/XXXX I received a statement for a different credit card account for the same three fraudulent charges. I called the Credit Card Service again. XXXX, the service representative told me Home Depot transferred the charges from the closed credit card account to this credit card. I do not even have that credit card. XXXX reopened the case for further investigation and asked me to call back. 

On XX/XX/XXXX, I called the Home Depot Security Operations and talked to XXXX who said the second account is still active but I told her I do not even have a credit card with Home Depot for that account. XXXX also informed me that one more account under my name is still active. I don't have those three Home Depot credit cards at all. XXXX closed the second and the third credit card account and gave me a confirmation number # XXXX. 

On XX/XX/XXXX, I received another statement with the same three fraudulent charges {$860.00}, plus fees {$29.00} and interest charge {$5.00} totaling {$900.00}. These charges showed up on the account I had closed with the confirmation number of # XXXX. 

How could Home DepoXXXX transfer the fraudulent charges to accounts that had been closed? 

In summary, the credit card I applied but never received had fraudulent purchases that I did not authorize in XX/XX/XXXX. The three fraudulent charges were transferred to a different credit card in late XXXX and then transferred to another credit card. 

All the facts shown above are proofs of serious identity theft and credit card frauds. I have tried to resolve this matter for over 6 months, but XXXX XXXX still claims I am responsible for the fraudulent charges. 

Your help on resolving this issue would be highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX ( XXXXe ) # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX ) # 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.

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 2024-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  ( XXXX XXXX XXXX ) # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously requested multiple times to dispute the inaccurate addresses with your bureau. Despite these efforts, they persist on my credit report, which is concerning and unacceptable. 

I can confirm that I have never resided or conducted any financial activities at the addresses mentioned. It is crucial to rectify this misinformation promptly, as inaccuracies on my credit report can adversely impact my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into these inaccuracies and promptly remove the erroneous addresses from my credit report. Furthermore, I urge you to ensure that my credit file reflects only factual and verified information in accordance with the Fair Credit Reporting Act. 

Please provide written confirmation once the necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter and cooperation in resolving this dispute.

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 2024-02-26 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: TN

Complaint narrative:
Transunion website site wont let me dispute or file claim against an account! I cant get no information about any accounts! Every time my Credit Score gets above XXXX, Transunion will find some old account or unknown account and place them on my credit report to keep my credit score below 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 2024-02-26 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: MD

Complaint narrative:
These requests are not related to me, and I didn't give any authorization to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regional Acceptance acct # XXXX is falsely reporting a negative account listing on my XXXX XXXX credit report that is beyond the seven-year reporting period. This company falsely re-aged the account in order to continue reporting it when it should have been removed from my report at the end of last year. Regional Acceptance has removed their false information from my XXXX and XXXX reports last year. When I dispute with XXXX it always comes back verified or the date expected to fall off my report keeps changing. Last year it said XX/XX/XXXX, this year it says XX/XX/XXXX. XXXX Regional Acceptance is responsible for the false reporting or XXXX is. Either way, the negative reporting on the account is beyond seven years from the date of last activity ( XXXX, not XXXX as they falsely reported ), is obsolete and needs to be deleted from my XXXX 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 explanation
Consumer complaint received 2024-02-26 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 urgently request the full deletion of these inquiries from my credit report as they do not belong to me, and I have no affiliation with the listed creditors.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
There we're a multiple fraudlent accounts opened at Bank Of American, XXXX XXXX and A XXXX  XXXX Credit card opened in my name. I never opened these accounts nor did I ever have any association with any other these accounts because of these accounts I am unable to open an checking account with Bank of America and XXXX and Im also unable to open a credit card with bank of america

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