vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case PORTFOLIO RECOVERY ASSOCIATE is attempting to collect XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
on XX/XX/XXXX I saw on my credit report that there where a variety of no inquires that i didnt authorize at all and i want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CO

Complaint narrative:
on XX/XX/XXXX I saw on my credit report that there where a variety of no inquires that i didnt authorize at all and i want them removed

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 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Garnish my bank account for a debt XXXX  years ago 2005 that not even mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
XX/XX/XXXX - I receive a call about fraud in my account, on the phone for over an hour trying to solve it but I had to get off the phone because of an appointment. Account gets locked. 

XX/XX/XXXX - I send Ally bank the information they requested ( selfie, photo of my ID and SSN cards ) XX/XX/XXXX - account is still locked. Husband and I are on the phone for an hour trying to solve it. Phone gets disconnected, no call back XX/XX/XXXX - account is still locked. Can not access any of my money, either in checking or savings

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 2022-06-13 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2022 an order was placed for a XXXX XXXX XXXX XXXX XXXX through XXXX with XXXX XXXX XXXX. On XX/XX/2022 my package arrived damaged with the jacket missing. XXXX was notified and I was told to keep the contents that I received until my issue was resolved. XXXX XXXX was notified about this issue and I was told by XXXX XXXX that I needed to file a claim with the carrier, XXXX. A claim was filed with the carrier and was also denied due to it being filed incorrectly. XXXX XXXX XXXX is the only party that is allowed to file a claim with XXXX  due to contractual agreement that they have with them. I have provided the letter to 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 explanation
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
Lane Bryant is a store credit card that is financed through Comenity Bank aka Bread XXXX. I have had this card for some time now so I am saavy about reading my email, letters that come through U.S. mail and communications sent to me electronically on the store credit card website. I was checking my account balance recently and started to go back and review my bills. I receive my bills paperless and generally just go on the website to pay the bill. When I saw that my balance was not really going down like it normally does, I started digging into previous bills and noticed that at some point, I started receiving DOUBLE finance charges from this company. I called in XXXX times to try and have the issue resolved however always received the runaround. The last time I started asking questions about terms and conditions and it was noted that they did not send me a copy of the terms when they changed them. There were no terms in my electronic communications nor had I received any via XXXX. Therefore XXXX Lane Bryant broke their original contract with me, did not properly notify me of the change in terms that would impact my account, and consequently, I am asking that these DOUBLE finance charges be removed from my account. I should have ONE finance charge for EACH billing cycle. This conversation about change of terms took place about XXXX months ago. I am a XXXX XXXX, so was really busy trying to XXXX XXXX  in the pandemic. Now I am on summer and want to pursue this issue of non-compliance on the part of the credit. It appears that Comenity is making these changes on all of their accounts gradually. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-06-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-06-13 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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX is the amount they owe XX/XX/2022 they still haven't closed this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My ex-wife and I received 3 checks from the IRS in the amounts of {$300.00} ( dated XX/XX/XXXX ), {$300.00} ( dated XX/XX/XXXX ), and {$4200.00} ( dated XX/XX/XXXX ). The checks were written to us both as payees as follows : XXXX XXXX. & XXXX XXXX XXXX remotely deposited the {$300.00} check dated XX/XX/XXXX into her personal, sole account with Chase Bank ( account ending in XXXX ) on XX/XX/XXXX without my knowledge, without my endorsement, and without my consent. I filed a police report for theft, and the police determined it to in fact be theft. 

I believe the other two checks, in the amounts of {$300.00} ( dated XX/XX/XXXX ) and {$4200.00} ( XX/XX/XXXX ), both also from the IRS, were deposited in the same manner in the same account. They were never endorsed by me, nor did she have my permission to deposit them. I do not have access to this account.I have filed a police report for those checks as well, which is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Yes my Barclays credit card has been given to me XX/XX/2022 I used the card account and everytime the alert for purchases popped up I clicked I authorized them then all of the sudden they said for me to call because they thought fraud on the account even though I authorized it like I was supposed to do i I called XXXX times and was told I could use it that it was fixed now I still can't use it this is ridiculous they have done it before to me and I couldn't use the account for over XXXX  months I want this fixed

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 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} XXXX XXXX through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, Experian XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone Experian, XXXX and XXXX directly to dispute the inquiries and request they be removed. I did not authorize the inquiries and was told by each that it is legal for an auto dealership to run your credit through several banks, and the inquiries would remain on my credit report for 24 months, and I did not authorize any of this and that does not make it right or legal.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for an Amex XXXX XXXX on or about XX/XX/21. It was my understanding that I was applying for a XXXX XXXX XXXX Amex card. I wanted to collect travel miles and get access to business lounges in airports. The annual fee was advertised to be XXXX When I tried to link my new amex card to my XXXX account, it wouldn't link. And when I checked billing on the account I had a charge of XXXX for the annual fee. 

I feel like the company may have taken the opportunity to upsell me online. I tried to explain this to the company and get them to switch cards. I'm really unhappy with this situation as I am oversold and not even able to even share all the benefits with my extra card member. 

I would like help convincing the company to let me have the card I thought I was applying for. They have so many different financial instruments that it can be really confusing and I feel they are using the confusion they are generating to take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As follow up to complaint XXXX, I have had my money misappropriated by Capital One. I have repeatedly informed them that I did not want any of my money in my XXXX  sent to XXXX XXXX XXXX  They provide wrong information to XXXX with regard to transferring my accounts, resulting in last minute efforts to get paperwork. XXXX did secure one account, and I provided follow-up paperwork for the second last XXXX 

I sent emails demanding Capital ONE XXXX either close the account and send me a check or send it to XXXX. Despite these repeated requests, they misappropriated {$5300.00}, sending it against my wishes along with my information to a notoriously unreliable company. This should have been a simple matter, but through XXXX XXXX incompetence, misleading statements and outright lies has caused me not only to waste an enormous amount of time but has damaged my health with the severe stress. 

I want legal action and need to help to prosecute them for their malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXXXXXX XXXX XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3 Validate Account XXXX  Account Number : XXXX Please remove it from my credit report XXXX Account XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX  Account Number : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-06-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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 non-monetary relief