vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX  XXXX, has violated my rights ; 15 U.S.C 1681 section 602 A. States I have a 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. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: IL

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

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

15U.S.C 1681 section 604 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 2022-10-04 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: IL

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

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

15U.S.C 1681 section 604 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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I sent in letters asking for these accounts to be removed completely from my credit report. I do not consent to my name and likeness to be used in a negative way especially in error. 
Again I demand to have all accounts that are reported as charged off to be REMOVED COMPLETELY from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-04 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: DISCOVER BANK
State: IN

Complaint narrative:
Dear CFPB, I have a reasonable suspicion there is serious corruption occurring at Discover Bank with XXXX XXXX or airlines in general that should be investigated for harming consumers. 

On XX/XX/XXXX my significant other and I arrived well in advance of our flight XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX to XXXX, XXXX. We were allowed to check our luggage in, received our boarding passes and awaited at the gate. We were involuntarily denied boarding for unknown reasons without receiving compensation nor an explanation. A formal complaint has been filed with XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and I have received no response ( except for automatic ). I have also tried contacting XXXX XXXX via telephone numerous times to no avail. 

As a result of not being able to take the flight for unknown reasons and as I did not receive the services paid for, initiated a dispute for this charge in the amount of USD XXXX with Discover Bank. During this dispute, XXXX XXXX claimed we were 'no shows '. This is a flagrant lie to a U.S. federally insured financial institution. Discover Bank informed me the charge was valid as we were 'no shows ' and they could not determine who was 'telling the truth '. For this dispute, I uploaded tangible evidence we were at the airport ( physical boarding passes received upon checking-in with approval to board, physical passport stamps at customs, a taxi receipt showing the drop off at the airport with the time indicated well in advance of our flight, the physical sticker placed on a luggage to track it in case it is lost as our luggage was boarded to the plane ) etc. 

I still can not comprehend why Discover Bank 1. ) they would knowingly allow a XXXX XXXX to provide false statements and 2. ) not formally review the evidence provided and act in the best interest of the consumer. They stated an account manager would call me and this never happened. As I never received a call, I followed up to Discover Bank requesting to speak with an account manager. After 30 minutes, the account manager was finally connected and informed me that if a merchant lies, Discover can not do anything nor do they have a duty to do so. I found this astonishing that merchants can lie to U.S. federally insured financial institutions without any repercussions, as if I, a consumer, were to lie to a U.S. financial services company would face very serious fines and consequences. I have also filed a complaint today, XX/XX/XXXX with the U.S. Department of Transportation and the FDIC. Due to such odd behavior at Discover Bank, there is a clear indication that Discover Bank should be investigated and I am sure that I am not the only consumer impacted. CFPB should be aware of this ongoing activity at Discover Bank and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2022 A letter from Comenity Capital Bank came about a Vacation Club Credit account. I have never applied for this account and never authorized XXXX to issue a hard inquiry on my credit reports. I'm not even sure how they got my info. This is horrible business practice and FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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 XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXX & XXXX Account 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 2022-10-04 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: LEXISNEXIS
State: TX

Complaint narrative:
Lexisnexis Risk Solutions has obtained my personal data unlawfully and used it unlawfully without my consent to damage my credit file report with XXXX and have sold my personal data to other third party entities without my consent. Federal trade Commission protects consumer information when it is used illegally and without consent. Lexisnexis is a third party entity that has been sued for selling consumer personal information without their permission. It has been several years that Lexisnexis has been misusing my personal data, such as my name, addresses, personal account information, age, identity, income, and other personal data like my social security that i have never provided to Lexisnexis Risk Solutions. They have reported false information on my credit report to XXXX of an alleged bankruptcy. Lexisnexis has violated the XXXX XXXX XXXX XXXX reporting false financial information to credit bureaus and other third party entities to cause me to get higher interest on consumer products and/or denied of financial services. 
I have requested several times for Lexisnexis Risk Solutions to freeze the false file reports they have in my name and they have not done so but sent a confirmation pretending they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: UT

Complaint narrative:
As of XX/XX/2022 I reached out to all three credit bureaus, Experian, XXXX, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America and XXXX are refusing to return money that was stolen from my checking account using XXXX. I was a victim of theft on XX/XX/2022 in XXXX XXXX, LA. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX XXXX XXXX. Bank of America did not remove my phone # from my account after their customer support indicated they did. THEY CONTINUED TO ALLOW THE THIEVE ( XXXX ) TO USE MY STOLEN MOBILE PHONE TO RECEIVE THE SMS 2 FACTOR AUTHENTICATION CODE AND GET INTO MY ONLINE BANK OF AMERICA ACCOUNT. These transactions were not initiated and were not authorized by me. My Phone was stolen. Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$1000.00} DescriptionXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX category Cash, Checks & XXXX XXXX Other Expenses Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$2500.00} DescriptionZelle Transfer XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX Amount- {$2000.00} DescriptionXXXX Transfer Conf XXXX XXXX XXXX XXXX XXXX Merchant XXXX XXXX XXXX Transaction XXXX XXXX, Checks & Misc : Other Expenses Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1500.00} DescriptionXXXX  Transfer Conf # XXXX XXXX XXXX XXXX Merchant name XXXX XXXX XXXX category XXXX XXXX Checks & XXXX : Other Expenses

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 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For more than a year the bank, wells fargo state that my PPP loan had not been forgiven after a review my SBA and that no further appeal was available. But today XXXX XXXX XXXX, Administrative Judge of the United States Small Business Administration Office of Hearings and Appeals stated On XX/XX/2022, the U.S. Small Business Administration ( SBA ) Office of Hearings and Appeals ( OHA ) received an appeal from XXXX XXXX XXXX ( Appellant ) challenging the Final SBA Loan Review Decision for the SBA Paycheck Protection Program ( PPP ) Loan No. XXXX. 
It appears that the instant appeal is premature. An appeal petition may be dismissed as premature if SBA has not yet issued a final loan review decision. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 
For these reasons, it is ORDERED TO SHOW CAUSE, no later than XX/XX/2022, why this matter should not be dismissed as premature. 13 C.F.R. 134.1201 ( b ) and 134.1205 ( a ) ( 4 ). 

In effect stating the bank aggressively collected on a loan, without standing and forged a decision letter after lying to this body repeatedly. 

If you need more evidence please see the files located at XXXX XXXX XXXX password occ There you will see more than 600 files that support the statements in the attached case. The file called unknown is the judges order.

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 2022-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Last month, I received a strange letter ( attached ), I believe from Bank of America, and a hard inquiry on my XXXX credit report. I did not apply for credit of any kind. 

The credit report lists the following information : BK OF AMER Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX, XXXX I initiated a message to Bank of America 's fraud department but received no reply. Today, I disputed the inquiry with XXXX. They asked me to report this to the FTC and that the agency passes along information about this report.

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 2022-10-04 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: CA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I submitted a payment of {$3000.00} on XX/XX/2022 to my Barclays credit card. 

The payment cleared from checking account with XXXX XXXX on XX/XX/2022. 

Barclays then, without my authorization, withdrew an additional unauthorized {$3000.00} on XX/XX/2022 - totaling {$6000.00}. 

I made several phone calls to my bank and to Barclays. Barclays kept blaming their own internal technical problems but offered no resolution. Their technology issues are not my issues, and the additional {$3000.00} that they withdrew without my authorization should not be held hostage while they fix their systems.

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 2022-10-04 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: IL

Complaint narrative:
Hello. My name is XXXX XXXX, I have reached out to Experian and XXXX regarding the improper/incorrect/false/illegal reporting to my personal credit report from a creditor by the name of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have also tried resolving the issue with the creditor directly. I have had several frustrating interactions with all 3 companies for years now as the issue has yet to be resolved. The company [ XXXX XXXX XXXX, XXXX ] is reporting a closed account to Experian but is reporting the same account as open, negative and with an incorrect balance to XXXX. I am trying to resolve the matter with the creditor as it is negatively hurting my personal credit causing greater issues in my personal life. I am unable to resolve said debt with illegal and false information being reported and the reporting bureaus accepting this illegal and false information and reporting 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 explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
ALL WELLS FARGO ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : WELLS FARGO 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 2022-10-04 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: UT

Complaint narrative:
As of XX/XX/2022 I reached out to all three credit bureaus, XXXX, TranUnion, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable

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