vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: OR

Complaint narrative:
I am trying to unfreeze my credit so my bank can see my credit report to process a loan. I am unable to do this. At one point, Experian said I did not have a freeze on my credit. After reporting this to my bank, they were unable to access my credit report. I have been unable to carry out the instrucions Experian gave me in a letter verifying that I had placed a credit freeze.

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 2024-02-02 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a notice on XX/XX/2024 that a hard inquiry had been done on my XXXX account. The hard inquiry was for a new credit card. I also received emails from Chase Bank that a credit card was approved in my name. I went to a Chase Bank and told them that I did not apply for a new card. I have never had any kind of accounts with Chase Bank. I do not believe that any charges were made as I received an email from Chase Bank stating that the card would be received

in 5-7 business days. The card was approved for a credit limit of {$15000.00}. Chase Bank called their fraud depa
rtment, and the credit card has been stopped. 
I have also called XXXX and have requested a 1-year fraud alert on my account. I have also gone to my bank ( XXXX XXXX  ) to let them know what happened. I am also filing a report with my local police department. 

I have also contacted the Social Security Administration to let them know my SSN was compromised. 

My big concern is that Chase Bank had all of my pertinent information to include my name, email address, home address, and my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: CA

Complaint narrative:
My information has been improperly used. Now my credit report has this item that is not 100 % accurate. To make matters worst, my credit card limits got reduce because this inaccurate item is hurting my credit.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX - I opened a XXXX 's XXXX XXXX unsatisfied with customer service and other experiences with the card I paid a final balance of XXXX on XX/XX/year> and requested the account be closed. However, I continued to receive statements for a fee and interest charge which I objected to, however the account remained open and continued to incur charges. These fees and charges ballooned to {$350.00} and went into charge off status. Although I continue to dispute this item I keep receiving message that the account is with another lender yet that information was not furnished to me. This is a violation under USC 1681.

Comenity also violated IRS 4681 which prohibits income from being reported on a consumer credit report and failing to provide a 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: PR

Complaint narrative:
I have been disputing the following for almost the last year. The reality is that this whole situation has filled me with anguish and has affected and continues to affect my entire financial life. 

The first of these accounts is XXXX XXXX with the account number XXXX. If we compare the data of this account with the Payment History, there are things that do not match, for example the Last Payment Made XX/XX/XXXX is incorrect. The Date closed XX/XX/XXXX is also incorrect. There is also missing information in the Payment History. The Balance, Past Due, Ammount Paid, Remarks from the Open Date to today 's date have never been documented. I wonder if this is 100 percent accurate. According to the FCRA, this account should not be present in the report. If it is going to be kept in the report, then tell me why, since it is inaccurate, it should be kept in the 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 2024-02-02 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: IN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Ive received 5 remediation letters for unauthorized services from Wells Fargo. I called the number and was told I would get checks for each of them, including extra checks for being unhappy. They said the checks would arrive in 20 days. This was in late XX/XX/XXXX. I called today, XX/XX/XXXX because I havent received a single check. They say that theyve been delayed and have no idea when they will go out.

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 2024-02-02 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: PA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 

2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft

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 2024-02-02 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: LoanCare, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 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 2024-02-02 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: IN

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-02 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: IN

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-02-02 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: IN

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-02-02 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: CT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: KY

Complaint narrative:
Please see attached documents. Do not close1 this complaint stating it is not me. I am a natural person and a consumer.

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

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the XXXX pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the XXXX pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, 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 2024-02-02 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: AR

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the XXXX pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the XXXX pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, 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 2024-02-02 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: U.S. BANCORP
State: SC

Complaint narrative:
Purchased accounting services and have yet to recieve the services fully completed. Was advised to continue to try to resolve with merchant and when I did that, The bank then refused to assist with the dispute because I was strung along for months with false promises.

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 2024-02-02 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: OH

Complaint narrative:
1. Inquiry Date : XX/XX/2023 Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX  Creditor Name XXXX XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent

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 2024-02-02 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: IL

Complaint narrative:
please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Approve Holdings, Inc
State: LA

Complaint narrative:
The issue provided does not actually describe my issue. I used Auto Approve in XXXX of XXXX. I refinanced with them. XXXX XXXX XXXX purchased the loan. I then heard nothing from Auto Approve until XXXX of XXXX, at which time they began bombarding me with requests to send them updated copies of my drivers ' license and insurance for " title perfection. '' I have told them multiple times now that XXXX XXXX XXXX states there's nothing wrong with the title. They keep harassing me. They call me with both listed and spoofed numbers, text messages, emails, and traditional mail. I've told them both in writing and over the phone to cease and desist. Today, for example, I yelled at the representative to stop calling. I hung up. She immediately tried calling me back. I had to block that number, as I've had to do in the past. My title is fine. The bank through which I make my payments has assured me of such. I've made 14 payments to them. There's no reason to share additional PMI with Auto Approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
Account was paid off in XX/XX/2024. Vehicle paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: NV

Complaint narrative:
Account was paid off in XX/XX/2024. Vehicle paid in full.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a security notification regarding an inquiry alert on my bank account. Upon looking into my account it was discovered that AMEX had retrieved my credit report and an AMEX credit card was fraudulently opened with my name and information on it. I Began receiving emails regarding the credit card that was issued, the email address to the card/account being updated, and a notification email that the card is in transit. I therefore contacted my bank, AMEX, and the 3 credit bureaus to freeze/secure my credit, report the fraudulent activity, and open an investigation. AMEX was unable to give me more information although they did say they were able to lock and cancel the fraudulent account. Although I reported the fraud account/card I continued to receive AMEX emails regarding activity from the account.

Company response to consumer: Closed with explanation