vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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: IL

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

5 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 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 2022-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Hello Consumer Financial Protection Bureau, Im writing you today in regards to my New York and Company Runway Rewards Credit Card. Consumer Financial Protection Bureau, could you contact conduct an investigation of my New York and Company credit card account to determine why New York and Company closed my New York and Company Runway Rewards Credit Card account? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: NV

Complaint narrative:
I have been the subject of identity theft and am trying to place a credit freeze on my credit report with Experian. When attempting to do so, the Experian website is requiring that I set up an account but an account has already been setup at Experian by whoever stole my identity. The forgot username option on the Experian website is sending the account information to an email address that I do not recognize and that, presumably, was setup by whoever stole my identity. Have attempted numerous times to contact Experian by phone but the automated system doesn't have an option for this issue and there is no ability to speak with a representative. Each time I request to speak with a representative, the automate system says that phone support is only available in limited circumstances and then sends me back to the start of the automated system. The Experian website has no email address published to send this issue by email. I'm at a loss how to contact Experian and gain access to the account setup fraudulently to access to my credit.

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 2022-09-11 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!

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 monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On or about XX/XX/XXXX, my Bank of America/Merrill Lynch Cash Management Checking account was frozen without any reason or notification. I have had this account for over 40 years. I am XXXX XXXX XXXX Veteran and XXXX XXXX XXXX and have NEVER had insufficient funds. 

There were COUNTLESS issues and AGGRAVATION that caused me COUNTLESS HOURS and FEES and Bank of America NEVER answered the phone after HOURS. 

Some examples of the issues include but are not limited to the following : XXXX - My XXXX Check direct deposit was REJECTED because my account was frozen so the funds were not available and I had to contact US Government to track my money down XXXX - Countless checks I wrote to people for services and credit card bills were bounced. As a result, I was subjected to late fees for some services and everyone I paid was charged {$20.00} dollar bounced check fees XXXX - Bank of America NEVER EMAILED me or called me and I was NEVER able to reach them. 
XXXX - My wife spent COUNTLESS HOURS on the phone as the account is joint and they claimed that the account was frozen because they mailed my wife a letter asking her to verify her information. However, they never attempted to call or email me to tell me that if my wife didn't respond that they would freeze my account. This is UNACCEPTABLE and I have NEVER HAD to verify any info EVER BEFORE by mail or any other method. My son who used to work in banking noted that it could be XXXX fraud and not to provide personal information. He has had a Bank of America account for 35 years and NEVER shared personal info by mail and NEVER had his account frozen.

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 monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was served papers to be sued by Synchrony bank XX/XX/2022 amount of XXXX  attorney 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 2022-09-11 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: EdFinancial Services
State: TX

Complaint narrative:
Requested student loan refund from EdFinancial on XX/XX/2022 for the amount of {$6900.00}. After speaking with them several times, they have quoted a refund timeline of 150 business days to a year. Loan balance has not posted back to account and is quoted to take at least one month. This is unacceptable considering other federal student loan servicers are quoting times sub one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: SC

Complaint narrative:
I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!

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 2022-09-11 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: SC

Complaint narrative:
I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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 2022-09-11 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 following companies have violated my rights : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have several address account that are due to identity theft and I have filed a report after constantly trying to get you all to correct 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 2022-09-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX. Validate Account XXXX Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once XXXX. Validate Account XXXX Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information

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 2022-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: OR

Complaint narrative:
For the week ending XX/XX/22 I received over 20 calls from this company and thats just last week. Some days I get 7 or more calls in one day and sometimes before XXXX my time.

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 2022-09-11 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: VA

Complaint narrative:
The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: GA

Complaint narrative:
These Items have been inquired without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion Credit Reporting : The following inquires that are listed below : XX/XX/2022 : XXXX XXXX XXXX XX/XX/2022 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 : XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated these inquires.

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was hacked into, this the 3rd time in 3 months this has happened. Someone hacked into my account XXXX and transferred {$1200.00} to themselves. I have never transferred any money to any member and did not give permission. I am XXXX XXXX XXXX  and need my money. This is federal money from social security that gets deposited into my account and chime has allowed my account to be hacked into 3 times already. Ive changed my password and ask for legal department so that I can file a lawsuit they refuse to give me legal department info. I want my account refunded for {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I do not have exact dates but multiple times I have received offers from Experian saying that they have found credit cards that I qualify for. At least twice I have applied for such cards just to be told that I do not qualify for them. Each time I do so it generates a report which likely affects me negatively. They need to stop doing this to people giving false hope and causing 'credit report inquiries ' to appear on my record. I selected this company to help me monitor my credit...... Not ruin 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 2022-09-11 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: CA

Complaint narrative:
Discover Card offers 1 year no interest witn a rewards match, then cancels your card around 11 months when the balance is full. Saddling you w a high interest debt, no rewards points and no credit line : as well as credit damage. The amount of people experiencing this issue mixed with the financial benefit of cancelling match rewards and locking people into a high interest that discover has, and the sheer number of victims on online forums, I believe discover is engaging in this practice with predatory intent. Additionally they did not disclose the cash over purchase interest rates to me. I would like for my account to be reinstated and reported as such to bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a dining room table from XXXX XXXX and returned it without even having it delivered. The item was around {$1000.00} but only refunded me {$800.00} and now my account is past due even when I already closed XXXX XXXXPottery Barn Credit Card XXXX Capital One said since I already closed my account, they cant dispute it and I will need to reach out to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent {$1500.00} from my Citibank checking account to purchase a pet and the company turned out to be fraudulent. I was told that my money was not protected and I should contact law enforcement.

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 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: NC

Complaint narrative:
NetSpend is refusing to activate my prepaid visa debit card I purchased in a store and also loaded money on. They say they'll send a check in the mail but could not tell me when they'd send the check could not tell me why they wouldn't activate the NetSpend visa prepaid debit card

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