vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened an account with chase bank. When I opened my account I tries depositing checks into the account and the checks had came out of the persons account that they drafted out of. Chase has received the funds and is refusing to credit my account for the amount of the four checks which is XXXX. They have hung up on me after calling them to discuss the account after being placed on hold I was hung up on and never received a call back. I really don't understand how chase can just straight up steal my money from me. The checks cleared and where taken out of the person account they had been written from and this is beyond ridiculous and crazy that this can actually be happening I just dont understand or get it. Chase needs to resolve this issue immediately as to me this is theft and they have no right to just take my money when there has been nothing wrong done on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XXXX XXXX I attempted to place an online grocery order with XXXX when there was an error and a hold placed on my card for {$160.00} but the order/transaction was never processed when I went to try again with the correct time it said I had insufficient funds. I contacted both parties immediately. On Friday XX/XX/XXXX at XXXX a member of XXXX escalation team, XXXX released the hold for the funds of {$160.00}. I informed Current through chat and have been in contact with both entities multiple times. Current refuses to listen or escalate the issue. When I ask for a supervisor they refuse. They have apparently been telling customers for months that their phone lines are down. Current bank has told me they do not have my funds and to get a refund from XXXX. I have confirmed multiple times that there is no hold be XXXX nor an order to refund since it didnt go through. XXXX escalated me several times for this matter. I had to track down Current Banks issuing lender, XXXX XXXX at XXXX am today XX/XX/22, and call their customer service. The lady was kind enough to transfer my call to the current employee live where I was told two conflicting reasons, refused again to have any sort of escalation or help of any kind. I have multiple chat logs with both as well as calls back and forth with XXXX. I trust XXXX when they tell me they do not have my funds. I do not trust a bank that doesnt even allow customer calls had I known that I would never have joined Current bank. I dont want anyone else to have to go through this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
Midland Credit Management. they call 15-20 times a day, sometimes 5-6 times in 10 minutes. I have told them I do not have a debt and if they think I do then to send me a letter in the mail of my debt. I have never received a letter and today at XXXX XXXX, they called my wifes employer number after we have told them numerous times not to contact us. They threatened to give information to my wifes employer about me and a debt and then said she has a debt with them too so they can do whatever they want. 

This company needs to stop calling people, follow the guidleines of consumer protection or be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-05-25 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: LA

Complaint narrative:
Please remove fraudulent / unauthorized account/ collections : XXXX XXXX XXXX XX/XX/2021 or provide proof within 30 days

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 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A credit card from Capital 360 was opened in my name. I contacted them and had them close the account and set an alert. 

I also put a Credit Freeze on XXXX, XXXX, and XXXX. 

What else do I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MS

Complaint narrative:
I noticed an authorized account that I do not know of on my credit report via Experian. Therefore, I started a dispute with them. I submitted a dispute with Experian on XX/XX/XXXX and was rejected due to a lack of supporting documentation. On XX/XX/XXXX, Experian requested that I upload supporting documents to verify my identity because this is an identity theft case. After countless attempts, I was able to upload the XXXX police report, which specifically stated that my identity was stolen, a copy of my driver 's license, and a bank statement. The company completed the dispute on XX/XX/XXXX, and they will not remove the account, and I wasn't provided with any reasons as to why they rejected my dispute. I contacted the company on XX/XX/XXXX because I wasn't clear on the dispute result and was having concerns related to their investigation. I spoke with a fraud specialist named XXXX, and she wasn't able to provide the investigation result on my dispute as requested. She also stated that " Since Experian is a third party company, the creditor ( XXXX XXXX ) do not have to provide any documentation to prove that it belongs to me so that it stays on my credit report. '' On the other hand, as a consumer, I had to go through hurdles to prove that my identity was stolen and still got rejected from the company without proper explanation. I've requested to speak to XXXX 's manager, XXXX, but she refused to transfer or connect me with him or someone who could help me better. She stated that she would request for her manager, XXXX, to return my call within 24 hours. Until today, no one from Experian has attempted to contact me via the number provided. Experian, however, sent out a generic email as a response without any further explanation as to why my dispute was rejected. My score for the other two credit bureaus is much higher because I do not have any delinquency. Because of Experian, I've lost a job opportunity, and it is preventing me from purchasing property.

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 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I feel USAA is punishing me for a XXXX bankruptcy filed in 2019. USAA will NOT activate my bill pay feature on a NEW checking account. They say because I had a debt with them they will not activate the bill pay feature with newly established account. I tried to work with the executive offi e but they wont do anything. Their decision is punitive in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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:
Transunion has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX. XXXX XXXX XXXX - {$270.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX - {$88.00} ( PLEASE DELETE ) XXXX XXXX XXXX - {$420.00} ( PLEASE DELETE ) INQUIRIES : XXXX  XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX  XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXX/XX/XXXX ( PLEASE DELETE ) Thank you so much for your time and attention to this matter.

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 2022-05-25 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 XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: ME

Complaint narrative:
I applied for a personal loan on Upstart 's website on XX/XX/2022, after receiving several correspondence from the company, informing me that I was pre-approved. That same day I was preliminarily approved for the loan. On XX/XX/2022 Upstart 's Loan Operations sent me an email requesting my most recent bank statement. I uploaded a copy of the bank statement later that day. On XX/XX/2022 I received an email from The Upstart Team informing me that I was approved for the loan. I was instructed to log into my account to review and accept the final terms. On XX/XX/2022 I logged into my account and submitted the first form. I immediately received a message in my Upstart message box informing me the company was not able to offer the loan to me at this time. I immediately called the company and spoke with a woman named XXXX. When I asked XXXX why I was denied the loan, a day aftyer being told that I was approved, she informed me that they company found a " new loan '' from XXXX XXXX  XXXX XXXX ( " XXXX '' ) on my credit report. I advised XXXX that I obtained the loan from XXXX over a month before I received the loan invitation from Upstart. XXXX said the company can not approve my loan. I then spoke with XXXX 's supervisor, XXXX, and I reiterated what I told XXXX. XXXX put me on hold to check with a Credit Analyst. When XXXX returned to the line she told me that I did not disclose the XXXX XXXX XXXX I informed XXXX that I completed the Upstart application in full and the company checked my credit immediately afterwards. I did not apply for any new loans since applying for the XXXX XXXX XXXX  XXXX said Upstart did not notice the XXXX XXXX XXXX before sending me the loan invitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

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 2022-05-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681 b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1. EQUIFAX MORTGAGE SERV - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. EQUIFAX MORTGAGE SERVICE- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX I put in a fraud claim with XXXX XXXX Bank for a charge of {$10000.00} that happened on XX/XX/XXXX from a merchant that I have never done business with. I was given a fraud claim number of XXXX. XXXX XXXX Bank Credited me back the money on XX/XX/XXXX and also sent me a letter stating that. They also sent a letter stating that I received services from said company but never provided any information or any paperwork on that company.

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 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Garner & Conner, PLLC
State: TN

Complaint narrative:
I received several debt collection letters from the debt collector. The most recent one dated XX/XX/XXXX XXXX letter states that I owe a total of {$4900.00}. The credit card was opened without my consent I assume many years ago before XXXX possibly XXXX as I was a victim of identify theft during that time. The debt collection letter changes each time and I states four different amounts that I owe. {$4900.00}, {$3200.00}, {$390.00}, and {$2800.00} Which is quite concerning for me. I reached out to the original credit card company to get more information about the account and the account could not be found. I also provide my social security number and an account was not found. I responded to the creditor with a debt validation letter to validate their claim against me. The have never responded. My most recent letter was sent on XX/XX/XXXX. I continue to receive letters pertaining the amount only. They will not validate the debt or any information. The credit card number is non-valid, fraudulent or the debt collector does not have correct information and therefore will not respond to my letters with proof. I understand that Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA and I like to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
A suit was entered in WI circuit court for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been XXXX yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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:
XX/XX/XXXX, i submitted letter to equifax to dispute the inaccurate information in my consumer report. with the letter i attached copies of creditor late payment statements, XXXX  is reporting my first late XXXX, XXXX have copies of late payment from XXXX thru XXXXequifax has stating they have not received my document to support my case. i submitted documents more than twice via usps.equifax has not began there process of investigating my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: IL

Complaint narrative:
I complained about this company, XXXX, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to 9 prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
XXXXXXXX XXXX I was selling item for {$40.00} ( I have messenger text chain to confirm all of this ) XXXX  ' asked if I had zelle I do but never used Received email that money sent with a pending notice that I do not have business account. 
Received email stating that I have pending receipt of {$160.00} additional funds pending and secured total receipt will be {$200.00}. 
I need to refund the {$160.00} and deposit finalized I looked through email- stating not comfortable and reluctantly sent $ $ Received no zelle activity of money coming in sent request for $ $ - no reply sent messages that this is not right received 2nd email asking for more $ $ immediately called my bank and they filed a claim but will not refund my money XXXX ' zelle info : XXXX XXXX XXXXXXXX has XXXX  profile claiming not to be him. 
I deleted my email phone or any information from the messaging XXXX tried to send screenshot of XXXX XXXX XXXXXXXX deposit i said i need refund immediately or am calling police- i believe this is a scam he went off line

Company response to consumer: Closed with explanation