vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - identified fraudulent charges on my card and notified Comenity the card Holder ( Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX ) a division of Bread XXXX  XXXX XXXX XXXX XXXX, OH XXXX The Customer Service agent confirmed the fraud, took details and advised a new card was to be issued. Charges were removed. 

XX/XX/XXXX - fraudulent charges were reapplied to my account and received an email to call Comenity, XX/XX/XXXX - called Comenity and they said they had no knowledge of any fraud and directed me to fraud department. 

On phone with Fraud Department- was told Comenity had a computer " system update '' and they can not access my account. 

XXXX from the Fraud department tells me there is " literally nothing they can do '' - they can not see my account nor resolve any inquiries. 

Shocked to hear that I asked XXXX to repeat that as I could not believe what I was hearing - she confirmed that Comenity can neither access my account, nor speak about the fraud. She did say that I am responsible for the payment. 

I asked for a XXXX. I asked her to close my account. 

She said XXXX can not do so at this time as the system is locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 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: NY

Complaint narrative:
In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has XXXX my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-08-24 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: NY

Complaint narrative:
In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX  Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX LLC ( XXXX XXXX Bank XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX  has all 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 XXXX : 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 2022-08-24 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: IL

Complaint narrative:
I have several inquires on my Experian Credit Report for XXXX XXXX which I did not request or authorize. I have contact Experian via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX XXXX has already attempted to close her account shared with her deceased son XXXX XXXX multiple times, she is told it is closed, and then we receive messages about insufficient funds. XXXX visited a branch in XXXX Oregon shortly after XXXX passing XX/XX/XXXX, notified the bank of XXXX passing and withdrew the funds to close the account but the account was not closed. Again XXXX went into a branch XX/XX/XXXX to close the account, was forced to pay XXXX for an NSF fee to close the account and asked to close the account. On XX/XX/XXXX we received another NSF fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. Equity Advantage Holdings, Inc.
State: OH

Complaint narrative:
I received a check # XXXX for {$77.00}. Per the letter I was being reimbursed for the enrollment fee. However, after reviewing my paperwork it shows my enrollment fee was actually {$390.00}. See below for a screenshot of my paperwork. I am requesting a check for the full amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I saw on my checking account online that two electronic checks for {$1000.00} and {$2000.00} were cashed on my Huntington Nat'l Bank checking account. 
I contacted the bank and we put the account on hold for 90 days, their policy, and opened up a new checking account. 

On XXXX Huntington bank put the {$3000.00} back into the on hold checking account. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX asking about the money that was deducted from XXXX XXXX XXXX. 

I called XXXX, which is legit, and explained I don't know who XXXX XXXX is and someone stole my {$3000.00}. XXXX sent me paperwork to fill out so they can investigate and suggested I submit a FTC Identity Theft Report Affidavit. 

So I am doing that now. 

I am filling out the form they sent me and am sending back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account number 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account number 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 explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX, have 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 an 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 2022-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ongoing Issues due to identity theft. Please see attached FTC Report attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: PA

Complaint narrative:
Ongoing Issues due to identity theft. Please see attached FTC Report attached!

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 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I transferred USDT to my Binance account. I have confirmed that it was in fact received by them, but Binance has stated that it is going to indefinitely withhold the funds due to a technical error on their end. From their customer support : " Your money is basically stuck in limbo until Binance.US supports USDT-Polygon. If/when we support USDT-Polygon we will be able to recover your funds and deposit them into your wallet ; however, because you used an unsupported network your funds are currently unrecoverable. '' Here is a link to the transaction : XXXX XXXX XXXX This is the status on their website : Amount XXXX XXXX Status Awaiting verification Confirmations XXXX of XXXX Date XX/XX/2022 XXXX To XXXX Balance Address XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX  XXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other ( 1 ) XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX  XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute 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 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act convergent 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 explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I did not receive validation of debt via mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act 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 2022-08-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.

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 2022-08-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent multiple letters and I am not getting any response. They are not providing anything that shows their investigation. They are taking more than 30 days to response, or they fail to respond.

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 2022-08-24 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:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : 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 2022-08-24 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:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: American First Finance, Inc.
State: FL

Complaint narrative:
I have been trying to dispute this fraudulent information from my credit report and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act 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 explanation