vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 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:
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS : TXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX 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 XXXXXXXX TRANSUNION EMPLOYERS XXXX XXXX XXXX XXXX  ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : SXXXX 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 non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Someone open a XXXX account in my name that lived in Washington DC. Southwest Credit is trying to collect {$330.00} from me for an overdue bill. I received a letter from Southwest Credit on XX/XX/2022, informing me to file a fraud claim, I informed them that I never lived in Washington , DC., and this is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: CA

Complaint narrative:
On my XXXX credit report, I requested a collections account be removed a few months ago and they did it. The collections account was purchased in 2016 by XXXX XXXX, XXXX in the amount of {$8600.00}. The collections was posted to my XXXX credit report in 2016. About a month later the collections company post the same collections account that was on my XXXX credit report to my Experian credit report. Up until this time it was never on my Experian credit report. I disputed with Experian that the collections should not be on my credit report due to California. The collections account is over 4 years old and according to California law that falls under TIME BARRED. I would like it to be removed. 

Thank you!

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
To whom it may concern : XXXX : Intent to file suit : violation of the FCRA I have sent 50 previous letters to XXXX XXXX  XXXX, FBCS all by certified mail ( copies of receipts enclosed ) requesting that XXXX XXXX  and FBCS remove inaccurate information from my file, and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that XXXX XXXX  XXXX and FBCS has violated the Fair Credit Reporting Act by ignoring my requests to investigate the accused debt of {$1400.00} dollars. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt XXXX XXXX  XXXX, and FBCS to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX MI, for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am aware of my rights under the FCRA and intend to pursue them to the maximum I appreciate your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: TX

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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX XXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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:
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN EMPLOYERS : XXXX XXXX XXXX  XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-07-01 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: OR

Complaint narrative:
Incorrect Address on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Incorrect Address on my consumer reports

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 2022-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writing to give an official complaint about the Chase XXXX XXXX  Program. I had to cancel a flight and was told I would get a credit. I called to rebook a flight and discovered that the difference between my original flight cost and the new flight was to be forfeited. That seems unfair, unethical, and probably illegal. 

I wrote to Chase to complain about this, but haven't heard back. I just wrote to them today, though.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2022 i purchased a car rental that was prepaid through XXXX. Upon picking up the car from XXXX XXXX XXXX in XXXX Hawaii XXXX I was informed that my card was needed for incidentals, they asked if I wanted insurance, I declined. 
Upon returning the car which had several issues we attempted to resolve with the company through out the duration, the worker XXXX and XXXX informed us to find our own way to the airport and Refused to give me my contract. When I arrived home, there was a charge in the amount of {$180.00} for insurance, which I declined. Their contract was not my signature and had several discrepancies from the blank one they emailed me. XXXX refunded the car rental portion for several other issues and now, my chase prime credit card is refusing to refund a charge that was never approved and not signed by me. I have file complaints against the car rental company for fraud as well. After researching the company, sadly it was found that they have done this to several consumers. 
Ive attempted to resolve this charge 4 times with chase, provided all my information including the forged contract and the difference between the one I have and they still said I made the purchase even though I Showed proof that XXXX refunded their portion and several Other items supporting my Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: AZ

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 explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope all is well. The reason why Im writing is because my XXXX XXXX credit card is not showing up on Experian credit report. Can you please put my XXXX XXXX credit card on my Experian credit report. Thank you very much for your time. Have a wonderful day and please continue to be safe.

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 2022-07-01 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
15 U.S.C 1681 section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions XX/XX/2018 a XXXX XXXX account went into collections. At the time I was under 18 meaning I did not authorize nor sign a contract. Reached out with no avail for validation of debt and did not receive correspondence After 30 days. Identity theft report has been made. I DO NOT RECOGNIZE THIS DEBT, this 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 2022-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity banks website is down and Im unable to access my account online to pay my credit card bill thats due XX/XX/XXXX. I have been trying to get through for several days now ( XXXX XXXX XX/XX/XXXX ), including calling customer service. However when I call, the automated response ends the call and when I actually got through one time on XX/XX/XXXX, it was glitching. Im not sure how to pay my bill and comenity is not communicating when this problem will be resolved, and whether they are waiving late fees for bills due after XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I made a bank account with Wells Fargo. On XX/XX/XXXX XXXX I deposited a check worth {$870.00} into the account. When I tried to take cash right after I deposited the check I was told to come back the next day. Then on the same day I received an e-mail that stated my account would be closing on suspicion of identity theft. The email said the account was expected to close by XX/XX/XXXX. Once I saw this email I went back to the physical branch the next day to ask what happened. They told me I would be able to make a new one but the first one would have to close. I asked about my money and they said as long as I get my money about before the account close everything would be fine. The money never got deposited into my account and then on XX/XX/XXXX I got an email saying my account was officially closed. When I saw this email I went to a branch to find out what happened to my money. I had to wait in line for an hour if not longer only to be told to call the loss prevention phone number. I then had to wait on hold for over an hour before a representative answered and told me to go back to a physical branch and have them call the same number they gave me and then they would co-ordinate what to do to solve the issue. The 3 weeks that followed were me trying desperately to retrieve my money as the bank gave me excuse after excuse like " There's a hold on the account, '' or " we have already mailed the check. '' Finally I decided to go one last time and say I wouldn't leave until I got my money. After waiting in line for almost an hour and a half, I had to beg the teller not to send me home empty handed. She then told me if the money didn't reach the account it probably wasn't deposited and I should go to my employer and ask for a new check. I then went to my employer and was then told the check had been deposited and there was nothing they could do for me. So here I am now over three weeks later being told I have to wait for a letter which I've been told was either never mailed or was mailed 2 weeks ago. I have been stressing over this for three weeks now needing the money to contribute to my rent. It is utterly absurd that this happened in the first place and it is unacceptable how the people at the bank handled it.

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 2022-07-01 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, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX, ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX 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 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 explanation
Consumer complaint received 2022-07-01 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: IL

Complaint narrative:
LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX ) ( GXXXX 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 non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Catch Financial Inc
State: FL

Complaint narrative:
I have happily been Catch Benefits app ( run by Catch Financial , Inc ) for 2 years for my tax withholding and savings, but currently it's holding my money hostage. On XX/XX/2022 I tried to withdraw money to make my quarterly tax payment and no longer had access to my own funds. ( There was some migration and now my account is showing a {$0.00} balance. ) The help desk told me since I didnt upgrade my account by the XX/XX/XXXX deadline that they would have to send me a paper check by mail. Not only did that mean missing the XX/XX/XXXX tax deadline, they also withdrew all the funds from my savings account that I had set aside for my summer vacation which is coming up in 3 weeks. My account is now emptied and still have not received a check. I am getting a different story every week from the help desk. 

It has now been more than 3.5 weeks and this week they are saying I have to wait ANOTHER 10 business days to pass and if I have not received my check, I will need to contact XXXX support team. I dont know who XXXX is. It just feels like they are giving me the runaround. 

I went online to leave a review in the app store and was disheartened to see that there are tons of reviews from customers with the same problem. The same goes for their social media accounts. Multiple stories from small business owners and freelancers whose money they have not returned! They have broken my trust and I would like this claim and this company investigated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation