vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681 SEC 602 States, " I have the right to privacy '' 15 USC 1681 SEC 604a SEC 2. it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as LATE for ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Got a XXXX pre paid card for my birthday that I used once and now is completely inaccessible as every time I try to use it the pin is wrong and the card is declined. The other cards I got did not have this issue and the customer service line was nothing but prerecorded non-sense with no pertinence to my situation. Im aware of the stipulation that the first pin entered for the card acts as the cards pin but I didnt put an employee ran the card and I dont know what happened from there for this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
I was sent a pre-approval letter via mail from Fortiva Credit Card. I saw that it said pre-approval instead of pre-selected. The words should stand for themselves and what they mean. It should not be a grey matter for misunderstanding. I have been pre-approved and never been denied. This company is shady, because they should have told me that they was doing a credit check. I don't see were they said they will be doing a credit check. I don't live in the states that they specifically had disclosure on. So, what information applied to me. A credit check should not be need for pre-approval offers. XXXX XXXX just got hit for misleading with pre-approval lies. This effects a person credit score and a hard inquiry. They need to honor my offer and stop having grey matters on the card offers. Pre-approval should mean just that. Just call an activate and receive your card in the mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX  XXXX XXXX Case Number : XXXX XXXX. XXXX Account Number : XXXX 3. XXXXXXXX XXXX Account Number XXXX XXXX  4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/22 I paid the {$110.00} balance on my Ann Taylor account by check payable to Ann Taylor. On XX/XX/22 I received a past due notice. I called and was told my payment had been credited by Comenity Bank to my J Crew account, not my Ann Taylor account. Comenity repeatedly offered a refund that I could use to re-pay the original Ann Taylor balance, but I was told that if I took it I would be liable for penalties and interest. Instead, I filed a dispute which was acknowledged by Comenity by letter of XX/XX/22. This process was repeated on XX/XX/22 and XX/XX/22. On XX/XX/22, I received a refund from Comenity without explanation. I called and was disconnected. I emailed and received no response. After a week of silence, I emailed again and said I would replace the original payment but I would not pay the erroneously charged penalties and interest and would file this complaint. I then received a response that Comenity was researching my dispute and I could expect no resolution for 90 days. I expressed concern that the refund they sent was inconsistent with the dispute I filed and appeared to put me in a position to be liable for penalties and interest. My concerns have not been addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Ive had 31 accounts with Affirm with an excellent pay history. Ive had 2 related XXXX  bouts then XXXX  Can Dr so requested help from Affirm but theyve made it very hard..Initially, my issues to get assistance with payments so the supervisors sent the form. The supervisors knew my completion of the financial hardship form. I tried numerous times to complete the form and it continues to loop back to completing for over a period of 2 hours. Finally, I got frustrated like Affirm wanted me to, I stopped trying. I made my payment to where they werent 30 days late but not on the exact due date. Affirm actually wanted me to be 30 days to demand the full amount of purchase. Affirm is very conniving company even with a customer and review the customer payment history, they want them to fail. What is wrong with this picture? All current customers and new customers, coNtact your Cunsumer Financial Protection Bureau because this happening too much from the complaints Ive reviewed. In effort to make my payments there was a payment on XX/XX/XXXX and XX/XX/XXXX but made 2 duplicate payments. I realize I made 2 duplicate payments, I called Affirm to get retract the duplicate payments that had been processed through my account. Although my financial institution shows payment posted and over drawn the account, they told it wouldnt show processed for XXXX - 5 days then they would retract the duplicate payments. I called my financial institution which told me to contact Affirm again. Due to all the inaccurate information given from their outsourced representatives, I called and tried to call my financial institution with them on the phone and XXXX hung up. Therefore I had to call back with my financial institution on the where XXXX told them it would be retract once the payments completely processed. I received N email from Affirm stating if I leave the payments it would take care of everything so I tried to responded to the email but would not go through on purpose. They delaying retracting the payment after the actual due date to find the grey area to justify keeping both payments. Since my experience with all the inaccurate information I called back. I spoke a very condescending representative that told if I would read the email it says if they cant retract the payment.if I wasnt paying attention to the language in their email and call back, it would be their justification to not retract it. Due my financial institution listening it would be different. It would be their justification not to retract the payment. Since Affirm is questionable actions, my financial institution provided provisional refund because it overdrawn the account. They are waiting to receive the refund/retraction of {$160.00} in 3-5 days quoted to us to reconcile the account. I really feel they will try several tactics and do not care how it affects me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2022-10-06 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: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Equifax claimed they did an investigation on an alleged debt with XXXX XXXX Complaint # XXXX. How did you conduct the reinvestigation? Because 15 USC 1681a ( e ) says that an investigative report should not include information from a creditor... I need a detailed report of who you spoke to at XXXX within the next 10 days, during this time-remove the account from my consumer report as you are required. If you can not furnish me with that information, I demand you delete that alleged account from my consumer report. Send my written consent giving permission to report this account as well-because that's the only way this account should be on my consumer report. The fraud that has been taken place on this account is going to be in a court case very soon-you may want to separate yourself from this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: CT

Complaint narrative:
I initially reached out to XXXX for a potential auto loan refinancing. 

I noticed that they did hard inquiries, so I canceled the request. It shows canceled on their dashboard. 

16 days later, I received a notification that a hard inquiry was pulled on my from a company working with XXXX, the new company working with XXXX is called XXXX. 

I'm currently discussing the issue with the representative from XXXX assigned to my refinancing loan ; he has currently asked if I finished an application at XXXX this morning my time, to which I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: FL

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 alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consum
er to whom it relates. I HAVE 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.

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE!

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 2022-10-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I hold my Bank of American credit cards ( XXXX  and XXXX card ) for XXXX years and keep using it. I was promised when I applied the credit cards that I can downgrade both credit cards to the Cash Rewards card without any annual fees. But now when I called the bank, the agents told me that I can't change any of them. I was shocked that the bank did not keep their word. I was told by my friends that someone can change their XXXX  and XXXX card into Cash Reward. I have no idea why BoA treated their customers differently. I doubt that BoA has discrimination on different customers and feel offence.

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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM INC on behalf of XXXX XXXX is trying to collect {$75.00} for an account that was closed since XX/XX/2021.

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 2022-10-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MI

Complaint narrative:
Please remove the following inquiries from my credit report. Due to identity theft XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/2022 I was attempting to call an XXXX customer service number about a package that was stolen. I called the number that popped up when I googled XXXX customer service number. They stated they were XXXX customer service and walked me through a process I thought was to get a refund. They had me send several XXXX payments to what I was told was a server that would trigger a repayment. I realized this was obviously a scam and hung up the phone. They sent several fake texts saying the money I paid for my package had been returned, as well as calling me multiple times to say I needed to finish the process. I immediately called Wells Fargo to let them know what happened and to cancel all XXXX transactions. The banker I spoke with canceled my debit card and sent a new one, assuring me that the XXXX payments would not go through because they were still pending and those payments would be canceled and returned to my bank account. The next morning, the payments had not been canceled, they had been sent and confirmed, I called Wells Fargo back and they informed me I had received incorrect information, and the banker should have filed claims for me to fight the transactions. The claims for each XXXX payment were then filed, totaling {$2400.00}. I waited 10 days and then reached back out to Wells Fargo to check the status. I was told the bank reached out to the bank that received the money and asked for a refund and they refused so the claim had been denied and there was nothing else they could do. The bank informed me that those payments from me were " authorized '' and therefore Wells Fargo was not going to refund me, even though I was not aware that I was sending money. 

Wells Fargo is holding me liable for unauthorized transactions, after telling me the transactions would be canceled.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance of the Fair Reporting Act these XXXX  accounts has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX 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 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 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 2022-10-06 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: OH

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. 

According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX. XXXX XXXX XXXX XXXX XXXXXXXX not my accounts, ssn was associated with another individuals account information XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX not my accounts, ssn was associated with another individuals account information XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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