vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My email provider, " XXXX '' [ XXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.

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 2022-07-02 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. Stated that 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 non-monetary relief
Consumer complaint received 2022-07-02 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:
Transunion : false reporting : you got XXXX XXXX is a closed account you are reporting it as open. you get As per Metro and E Oscar you get the same reports as the other credit companies you are stating open account false can not report that the account is re aged the account is closed and I request you remove the account as per CFRA guidelines enclosed is a copy that the account is closed

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 2022-07-02 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 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 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 2022-07-02 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been attempting to file a claim with my Chase Sapphire Card in order to be refunded for travel disruptions. I have attempted to use their website but it doesn't work. I have contacted agents and requested a physical form. I was promised one would be sent to me. After 2 months no form has arrived. Every time I call I'm put on hold for long periods of time. Chase is trying to make me give up on filing a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NJ

Complaint narrative:
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 explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: AL

Complaint narrative:
In XXXX of 2022, I received an alert on my credit report for a company called Southern Management Systems for an apartment complex in Florida called XXXX XXXX XXXX. I have never lived nor applied for an apartment complex in Florida, and I dont know why it is showing as a collection on my credit. I reported it to the bureaus, and they say I did it. However no one has shown proof that I physically went there in person to apply for these apartments. I have a police report out of my current state of Alabama as I am already dealing with identity theft, but this fraudulent report needs to be taken off by this XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear Credit Reporting Agency Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : U.S. DEPARTMENT OF EDUCATION -This still shows multiple instances and only one closed.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 Account # XXXX Open XX/XX/2019, 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 2022-07-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a comenity mastercard thru Bjs XXXX XXXX that has been declining for four days. I have called everyday multi times a day the number on back of card and Im hung up on or doesnt go thru. couldnt sign into my account online until yesterday everything looks good so no reason to be declined. This by the way is my only credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NJ

Complaint narrative:
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 2022-07-02 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: NJ

Complaint narrative:
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 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
This complaint is directly related to Nationstar XXXX XXXX CO, Mr. Cooper, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within XXXX hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

Mr Cooper will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX 2022 and without my approval, Wells Fargo switched my checking account to a different account product with higher monthly service fees and balance requirements. I've been a Wells Fargo for over 20 years and my checking account was called XXXX Checking with a $ 25 monthly service fee that is waived by maintaining a {$20000.00} balance. In XX/XX/2022 and without my approval, Wells Fargo changed my account to XXXX Checking which requires a {$250000.00} balance to waive the higher $ 35 monthly service fee. Wells Fargo explained my account was changed to " XXXX '' as part of a restructuring of their checking account products. However, they still offer a Prime Checking account with a $ 25 monthly service fee that is waived by maintaining a {$20000.00} balance so there was no need for Wells Fargo to change my account to XXXX with higher fees and balance requirements. To switch my account back to XXXX Checking, they requested that I come into the branch to sign forms.

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 2022-07-02 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:
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 2022-07-02 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 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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Hi, on XX/XX/XXXX I tried to make a payment to my credit card but Comenity bank said their had a system outage. I waited a few days and tried again, but the system was still not working. They posted a message to either call or use their " XXXX '' option, however the calls would not go through and the XXXX option continued to say my account did not exist. I have multiple accounts through Comenity bank and none of those accounts I have been able to access, pay my bills, or reach the company through the various customer service lines that are listed on my card. A couple of my cards are due now but I still have no way to make my payments. I tried yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) to pay multiple cards, to no avail. Each payment site I visited today continues to claim I can make a payment through XXXX ( I still continue to get " account does not exist '' ) and the phone lines now say to " Please call back at a later time ''. The customer service representative on XXXX continues to make false claims that you can make payments through XXXX or through the phone at present. They literally responded to someone saying that those XXXX systems were up and working before I made my last attempt. I understand that they said they would waive late payment fees UP UNTIL XX/XX/XXXX, but I am still worried about it seeing that the systems are still not operating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 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 Account # XXXX Open XX/XX/2019, 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 non-monetary relief
Consumer complaint received 2022-07-02 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 Account # XXXX Open XX/XX/2019, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.

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 2022-07-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: CA

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason

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 2022-07-02 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: CA

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
1. According to Discover XXXX Bank agreement disputes between XXXX parties must be exclusively decided through XXXX  ( alternative Dispute Resolution method either XXXX  or XXXX  ). 
2.However, without any prior notice from lawyers/ legislators covered by the FDCPA, a legal action was initiated. 
3. I submitted demand to compell private arbitration along with a contract outlining arbitration provision. 
4. Despite my answer Discover and Debt Collectors ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) still ignore my demand and trying to use court system as weapon. 
5. Discover don't respect or follow they own contract. 
6.Debt Collectors violated FDCPA ( XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX )

Company response to consumer: Closed with explanation