vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: KY

Complaint narrative:
I had gone to XXXX XXXX on XX/XX/XXXX for XXXX. My insurance at the time covered 50 % of it. I paid half on XX/XX/XXXX on my XXXXXXXX XXXX card, the invisalign arrived on XX/XX/XXXX and I had to pay the other half. ( it had to be paid in full before they could give me the trays ). I put that on m XXXX XXXX as well. Everything was paid up front. I had contacted the insurance company ( XXXX XXXX ), as well as XXXX XXXX to confirm that me switching jobs would not interfere with this since it was paid in full. They said since it's paid, there wouldn't be any issues. I started a new job on XX/XX/XXXX. I finished my invisalign on XX/XX/XXXX. i received a bill stating that my insurance only paid half and that i owed {$990.00}. I got in touch with XXXX XXXX as soon as I received it and they said that the insurance denied the claim. I explained that I had already paid everything and that I no longer have that insurance. They said they aren't sure why it was resubmitted and to contact the insurance company, which I did. The insurance company said the claim was resubmitted once the treatment was completed and there's nothing they could do. So I Contacted XXXXXXXX XXXX back and they said it would be taken care of. The guy I spoke to was XXXX. The next thing I know, I receive a notice from a collections company ( Harris & Harris , LTD. ) and have received daily phone calls. I have explained to them that this was paid and it should've never been sent to collections. If needed, I'm sure I can try to contact XXXX XXXX and get the statements from XXXX of XXXX. 

I also mailed a dispute to Harris & Harris on XX/XX/XXXX explaining this same situation and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed some unauthorized inquiries on my credit report, or someone applied for something in my name. According to the F.C.R.A Fair Credit Reporting Act legally these must be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$7100.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: OneMain Finance Corporation
State: TN

Complaint narrative:
Recent hard pull on credit file. Their website strictly states soft pull, got a preauthorization, then when calling to check on info, I did not sign or authorize anything, nor asked, for the hard pull, told what I needed to submit, told them I would get back with them, then seen on credit report, I already have an account with this company and was looking into adding more funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name XXXX XXXX, Account # XXXX Account Name XXXX, Account # XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 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 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CEX.IO CORP.
State: MA

Complaint narrative:
I registered at a cryptocurrency exchange cex.io back in XXXX. Used it sparingly. Upgraded to their Address verification level with an ability to deposit and withdraw both XXXX and XXXX currency up to {$10000.00} daily. 

In XXXX I initiated a verification process to get upgraded to their Enhanced level of verificationwithout any daily deposit and withdrawal limits. 
Throughoutthe process I provided cex.io with my tax income documents ( IRS XXXX XXXX ), proof of income, and all the documents they asked for. Communication was conducted with cex.io via email. I must note that at some points they didn't respond to my emails and I had to wait for their replies for months. 

After they received all the documents proving my income they asked me to provide " screenshotof the withdrawal destination platform showing owner ship of that wallet. '' for transactions dated back in XXXX. 
I find it unreasonable to require this kind of information for these reasons : XXXX. Transactions are old. I upgraded to Address verification level after those transactions took place. So why cex.io is looking at the old transactions whichpassed the previous verifications? 
XXXX. I have no access to destination wallets, since they were not mine. Even if they were mine, why am I required to take their screenshots and share with someone? That is unsafe practice. 
XXXX. I don't have to remember who I send coins to or who sends coins to me. 

A cex.io customer support representative wrote that they had to comply with regulators. They didn't mentionany regulator 's name or a source of information where such regulations are defined. 

I decided to cancel the Enhanced verification and withdraw my XXXX XXXX to my XXXX. However, I found out that cex.io has locked my funds without any notification. 
I XXXX twice asking to unlock my coins, but receivedno any reaction. 
I XXXX on XX/XX/XXXX demanding to unlock their illegal hold, but receivedno any reaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items 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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: CO

Complaint narrative:
XX/XX/XXXX - Key Bank was deducted funds from our checking account and the description said XXXX XXXX XXXX ; however, the funds were not applied to our commercial loan but to another customer 's loan. Once identified, these deducting and applications to another loan has been occurring since XXXX, XXXX in the amount of {$4500.00}. Key Bank said they were working on contacting the other customer prior to refunding our money. We received {$4500.00} on XX/XX/XXXX. Our calculations indicated the amount missing is {$5800.00} ; which they state they are reviewing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes
which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings
State: TX

Complaint narrative:
I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I made an online purchase of {$25.00} with XXXX XXXX. 

On XX/XX/2023, an automatic payment of {$25.00} was made to bring the account to {$0.00}. 

I received a letter from Comenity that my automatic payment was returned and that I had a balance of {$25.00}. My financial institution informed me that Comenity bank had my payment returned back to them. Per my financial institution, I also had sufficient funds in my checking account to cover that payment. ( Please see letter from my financial institution ). 

Besides reversing the {$25.00} payment, Comenity charged me another {$25.00} late fee on XX/XX/2023 as well as a minimum finance charge in the amount of {$1.00} as well as another {$0.00} for finance charges. 

Then on XX/XX/2023, Comenity charged another {$25.00} returned check fee along with {$0.00} financial charges. 

Then a payment of {$25.00} was applied to my account on XX/XX/2023. Another payment of {$25.00} was applied on XX/XX/2023. At that time, I should have had a positive balance on the account. 

However, on XX/XX/2023, Comenity did a payment adjustment in the amount of {$25.00} when I called and spoke to a supervisor to dispute their error. On XX/XX/2023, finance charges in the amount of {$4.00} was refunded. My balance should have been XXXX. 

Then, on XX/XX/2023, Comenity charged me a late fee of {$29.00}, on a balance. I was under the impression that everything was taken care of. 

On XX/XX/2023, Comenity charged me minimum interest charges {$2.00}. 

Then, on XX/XX/2023, I finally received a letter from Comenity that they were unable to resolve the dispute. They asked me to provide a letter from my bank indicating that they did not return the payment ( a copy of which is attached ). 

Now I logged into my account and found that the balance on my account is {$58.00}. I immediately called Comenity and asked to speak with a supervisor. No supervisor was available. 

I should have NO balance on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX Account XXXX, XXXXXXXX Account 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 non-monetary relief
Consumer complaint received 2023-07-24 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 XXXX, XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX Account XXXX, XXXX-XXXX  Account 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 explanation
Consumer complaint received 2023-07-24 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: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a sofa from XXXX XXXX. In XXXX of XXXX, I was informed that XXXX XXXX  completed an XXXX process to sell their company to another company and that my order was never produced. I was given the option to cancel my order and submit a claim for the amount of money I spent. I did so. I was told to wait until XXXX XXXX for a resolution. XX/XX/XXXX of XXXX, I found out that the company responsible for settling XXXX XXXX  debts would not be paying out my claim. So I was out that money for a product I never received. I am waiting for XXXX to resolve this dispute and refund my XXXX dollars.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/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