vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I paid my charge of {$38.00} with a check. The bank says check XXXX was paid and the Comenity Bank for the Woman Within Charge Card keeps calling me for finance and interest fees I do not owe. Comenity Bank has XXXX complaints on the XXXX website and needs to be closed due to fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 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: SC

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-01-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-01-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have challenged the 100 % accurate reporting of this XXXX XXXX XXXX  charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account..XXXX XXXX XXXX transunion XXXX and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number transunion is reporting XXXX XXXX is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting {$780.00}, {$0.00}, and {$780.00},,,,, ,this is inaccurate reporting

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 2023-01-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-01-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have challenged the XXXX XXXX accurate reporting of this XXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... .equifax XXXX XXXX XXXX XXXX XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX is reporting XXXX, XXXX  is reporting XXXX, and equifax is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX,, ,this is inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have challenged the XXXX XXXX accurate reporting of this XXXXXXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law XXXX  times now... i have pointed out that this account is being reported as a re aged account... XXXX XXXX XXXX XXXX and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX  is reporting XXXX, experian  is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX ,this is inaccurate reporting

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 2023-01-16 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: TX

Complaint narrative:
Several hard inquiries and wrong as addresses and wrong name XXXX which I never used My name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: IA

Complaint narrative:
I have received XXXX TEXT messages beginning XX/XX/2022 from National Recovery Agency listing the debtors full name and address, account number, original amount owed, current amount owed, original creditor and current creditor. I am not the debtor. While I am related to the debtor listed, the debtor was XXXX years old on the date the text messages indicate for the origination date of the debt. This company has not called the number they are sending the text messages to for the purpose of verifying the identity of the person receiving the text messages. The amount of details regarding a debt this company is sending out to unverified recipients is concerning.

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 2023-01-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am XXXX XXXX and I want you to remove this fraudulent accounts in my credit report! I need your help because i'm having a hard time right now to call them.

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 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is my business checking account. My accounts payable person paid a vendor XXXX XXXX XXXX XXXX  via ACH there were XXXX payments made XXXX XX/XX/2022 XXXXXXXX XXXX in the amount of XXXX payment ID XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX XXXX XXXX in the amount of XXXX Payment ID XXXX My accounts payable per had the correct routing number but on number missed ( left off ) of the account number of XXXX XXXX so we didnt know until our vendor called for payment at which time I called Wells Fargo and filed for them XXXX XXXX it and let me know. I did this the first time XX/XX/XXXX, we called several times between the XXXXXXXX XXXX and XXXX. I then went to my branch and spoke to XXXX XXXX XXXX and he started working on it I didnt hear from him so I went back and spoke to him again. These interactions were at the branch in XXXX XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I got a call from corporate and the lady told me XXXX XXXX XXXX XXXX has the money I ask how can that be the routing number was correct and it was XXXX XXXX XXXX she said she doesnt know but I have

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 2023-01-16 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: IL

Complaint narrative:
I am XXXX and I need your help with the cause of numerous inaccuracies in my credit report. My XXXX XXXX is at stake because of this.

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 2023-01-16 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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of theft in XXXX XXXX, 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of theft in XXXX XXXX, 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
***I previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IN

Complaint narrative:
Just received letter from afni , inc collection agency for att in the amount of XXXX. Closed this account in XXXX of XXXX. Att said could not closed account till it was paid in full. So paid the amount of XXXX of which they said would be owed. Now XXXX  months later I get bill from afni , inc saying I owe XXXX, but I have never received a bill for this or a call about it. Tried talking to afni but they were very aggressive and did not want to hear anything I said.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In 2022, I signed up for a new credit card with Wells Fargo, N.A. to purchase appliances from a local store for a home renovation. The interest-free period on the Wells Fargo credit card applies during a ~18 month period provided the minimum payment is made timely. What is deceptive is that unlike other credit cards ( e.g., XXXX ) where purchases are made at a specific retailer on a new card during an interest-free period, my monthly Wells Fargo statement does NOT calculate my monthly payment amount so that I will have paid off the purchases during the interest free period/term. Instead, if I paid ONLY my monthly payment, I would only pay off ~ XXXX of my purchase balance by the time the interest-free period ends. This is not clearly explained, and is described on p. XXXX of the monthly statement in the midst of lots of other text ; this important language is NOT bolded or set apart from other terms and conditions on XXXX of the credit card statement. The onus is on consumers to do the math - that is, to calculate that by the time one 's interest-free period ends, one will NOT have paid off the full purchase amount if one pays only the monthly minimum payment. This is very different from how other credit card companies/banks handle these types of interest-free terms for new purchases and should be clearly and separately stated on XXXX of each consumer 's monthly bill. The language should be bolded and put in a box with a red border, and furthermore, Wells Fargo should be required to include a calculation of what a consumer must pay monthly to pay off all purchase amounts during the interest-free promotional period. This is a deceptive practice and it is intentional- the interest rate for unpaid balances increases from 0 % to 28.99 % ; it also is not consistent with the practices of other credit cards companies and must cost Americans millions of dollars each year. The way Wells Fargo presents monthly invoices for interest-free promotional purchases defeats the purpose of an interest-free promotional period for new purchases.

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 2023-01-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is Transunion, XXXX, and XXXX did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how Transunion, XXXX, and XXXX are violating my rights.

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 2023-01-16 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: FL

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 TRANSUNION XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021

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 2023-01-16 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: LEXISNEXIS
State: GA

Complaint narrative:
I requested a copy of my consumer report from Lexis Nexis via their website in XX/XX/2022. I was denied online access and was forced to wait for a copy to be sent via mail. After waiting for it to arrive I received a letter from Lexis Nexis " RE : Unable to process request ''. They are asking for personal and private information that I am not required to give nor am I comfortable giving.

Company response to consumer: Closed with explanation