vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 non-monetary relief
Consumer complaint received 2023-08-11 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-11 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I opened an account that had an annual fee ( XXXX XXXX XXXX package ) that paid for additional benefits for the account. After only 1 month of inactivity, First National Bank of PA closed my account due to inactivity while there was also still an ongoing open support ticket that directly related to the balance of my account. I called in multiple times and received conflicting information each time. One time I was told it was due to a XXXX balance ( despite the open ticket that was related to a fee that brought it to that balance ). Another time I was told they meant to close an older account opened years ago but closed the new account by accident ( I had closed the older account years ago but somehow they never followed through on closing ). 

They then used all of this as rationale for denying me the checking account bonus offer that I opened the account with, stating that the account was not in good standing due to a fee ( the same fee that still had an open ticket to look into the cause as I believed it was in error ). 

Lastly, they refused to pro-rate the annual fee I paid for this account, despite closing the account and denying me of the benefits I paid for. 

During all of this, I spoke with XXXX at the XXXX branch who was helpful at first when looking into the fee that was charged in error but then after the account was closed, was one of the multiple parties providing conflicting info and refusing to provide a satisfactory or fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX  yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
My grandson purchased a {$50.00} XXXX XXXX gift card with cash at the XXXX, RI XXXX on XX/XX/2023. It would not activate, I tried repeatedlt to contact XXXX XXXX to no avail. I searched on line for XXXX XXXX  card help. I called the number and the man I spoke with said he could help but he would have to put the credit on my XXXX account because my grandson ( XXXX yrs.old ) was a minor. I agreed to that. I gave him my XXXX account to do that. I repeatedly asked him if he worked for XXXX. He replied yes each time. 
Then I see several charges on my XXXX XXXX card in the amounts of {$100.00} and {$99.00}. I called the credit card company immediately. They agreed that the suspicious charges totaled {$1000.00}. XXXXis the name of the merchant making charges on the account. I also received a call from XXXX XXXX notifying me of suspicious charged. They resolved the issue ( credit and new cards ) within XXXX hours. I looked further and they also made charges on my XXXX credit card. XXXX responded the same as XXXX  ( resolved within XXXX hours ). XXXX was also hit for {$300.00}. They contacted me and immediately reversed the charges through XXXX XXXX for that amount. XXXX XXXX XXXX is still dragging this out for 2 months. The amount remaining is {$690.00} Fraud is saying it is a dispute and dispute is calling it fraud. I have spent several hour over these 2 months tring to resolve to no avail. I also made the knowingly futile attempt to complain to XXXXThat is why I am asking for help from a higher source.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2023, I made a payment of {$1000.00} to be applied in repayment of my federal student loan to my then-assigned Student Loan Service Provider, XXXX. The payment processed and was cleared on XX/XX/2023. In the ensuing months, XXXX was absorbed by another student loan service provider called Aidvantage. I was sent an email communication notifying me of this change, created a new login for my account under Aidvantage, and saw that my previous payment of {$1000.00} was not appearing in my account details. I have called Aidvantage multiple times requesting this be fixed only to find it still has not been fixed and have provided Aidvantage with the payment confirmation details from XXXX ( the proof of payment provided was an official email/digital receipt that was emailed to me inclusive of the payment confirmation details, account number, and related dates ). I have since called Aidvantage again only to be told that they have conducted an investigation and they have concluded they require me to provide a bank statement showing proof of payment to XXXX. It is the student loan provider 's responsibility to maintain loan records and - to the extent a loan service provider is either absorbed by another student loan service provider or is the student loan service absorbing another- it is the SOLE RESPONSIBILITY of the student loan service provider in question to maintain accurate transactional records of the accounts in which they are taking over. I have spent countless hours dedicated to trying to fix this issue to no avail. The first time I called to address this issue should have been the last time. However, it was not and I have now opened repeated requests for further payment history to be shared on my account. It is the responsibility of XXXX and the due diligence of the acquiring party, Aidadvantage, to have absolutely ensured accountability of ALL PAYMENT RECORDS made by account holders. I am now being told I need to provide further bank statements as proof of payment. Nowhere is there policy information provided pertaining to requiring bank statement records in order to ensure my previous payments are posted to my account - outside of providing the receipts sent to me by XXXX of payments made, I should not be held accountable or required to take further action on ensuring payment records are kept accurate between XXXX and Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never gave written consent for any debt collector to report on my consumer report. Congress never defines credit report yet Im being denied my credit because of a credit report number. Let me correct that. Title 15 U.S.C. 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.Title 15 1691 Scope of Prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The consumer has an open ended credit plan but due to information on my consumer report that I never gave consent to report it seems my credit is blocked. They have been misleading the public by calling themselves bureaus when they are nothing more than agencies.

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 2023-08-11 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: GA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/27 {$790.00} I filed a claim and was denied XXXX times. I have provided supporting documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit never answered my XX/XX/2023 compliant. 
Consider this Served Notice!!! 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

I need to see your chain of title as well!

Bond insurance- Any signature I have supplied your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
This is the second time I have filed a complaint. Please reference complaint ID XXXX. Their response is that there are bad actors out there that send this type of collection letter and they are not responsible for that. Please address this again. I believe they are sending this threatening letter and are lying about it. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NC

Complaint narrative:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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