vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
There is information, and/or means of identification on my consumer report that is knowingly being transferred, and used without lawful authority, with the intent to commit an unlawful activity such as defamation, that i did not authorize, nor was i given FULL DISCLOSURE by the companies mentioned in the identity report. 

SEE ATTACHMENTS!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony has started random credit checks on open accounts again, similar to the practice they did in 2008. Based on the information they receive, regardless of payment history, they lower your credit limit to just above your current balance. In one case within the last month, they lowered a credit card line of credit from {$12000.00} to approximately {$5000.00}, just above the current balance. Aside from plans I had to use this card, this significantly changes your available credit to debt ratio which impacts your credit score greatly.

Along with this, they send you an email with a link to read said letter about the action they have taken, however the link does not work and produces an the following error message - Invalid or Unknown Request Solicitud no vlida o desconocida The only way to learn what the letter says is to call them and their customer service person will read you the letter over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NY

Complaint narrative:
In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal 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 2023-03-31 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: NY

Complaint narrative:
In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of Child support-XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 Section2 : It also states 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 2023-03-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Office of Child supportXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 Section2 : It also states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke to city of XXXX XXXX and they stated to me that they do not report bankruptcies to credit bureau 's and they didn't know why that would be on my credit and they also gave me some advice to where to look this information update so you're supposed to remove the public information. I was given the attached 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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke to city of XXXX XXXX and they stated to me that they do not report bankruptcies to credit bureau 's and they didn't know why that would be on my credit and they also gave me some advice to where to look this information update so you're supposed to remove the public information. I was given the attached 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 explanation
Consumer complaint received 2023-03-31 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: NY

Complaint narrative:
In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXXXXXX XXXX Account # XXXX violated my rights. 

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal 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 2023-03-31 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: NV

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some inaccurate personal information left that need to be removed. This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any inaccurate personal information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INFORMATION deleted as soon as possible : 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 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On Tuesday XX/XX/2023 at approximately XXXX, a fraudster gained access to my Coinbase account and transferred XXXX worth {$250000.00} out of my Coinbase Wallet. I realized what was happening while the transfer was still pending and immediately contacted Coinbase Support. I was speaking with Coinbase Support while the criminal transfer was still pending. However, Coinbase failed to cancel the pending transfer. Coinbase failed to flag the transaction as potentially fraudulent. Coinbase failed to place a temporary hold on the transfer until its authenticity could be verified. Coinbase failed to respond to my multiple concerns, cases, and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX Im not giving up! 
This was my previous complaint, and I am not satisfied with the decision. 
Again XXXX checked what was delivered! 
I, as a consumer provided picture of the empty envelope ( usps can prove what was delivered ) the seller provided tracking number and status of the delivery. I dont understand why decision in in seller favor!!!? 
Dont support scammers! 
Im going to pay the balance, and they will continue doing this. Do you thing this i ls right. 
SHAME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX recently issued by Comenity Bank ( it was previously issued by XXXX XXXX XXXXXXXX and I never had an issue with it ). I sent them a scheduled payment in the amount of {$86.00} on XX/XX/2023. I was notified at a later date ( the XXXX XXXX XXXXXXXX ) that I had not made my payment and I contacted them on XXXX occasions to let them know I had sent the check. I was asked to wait a few more days and see if it cleared. When it didn't, I contacted them again and said I would make the following month 's payment, due in XXXX, to include what had been due in XXXX. I was told that the late fee would be waived, and I proceeded to cancel the check with my bank ( at a cost of {$30.00} ) that appeared to be lost. I then sent the bill I received for the amount due in XXXX ( they didn't waive the late fee for XXXX, they left it in the bill ) in the amount of XXXX via certified mail to make sure it arrived. On the same date I mailed my IRS due payment and my XXXX card payment. Both of those have since cleared my account. Not the Comenity payment, however. I have proof from the US Postal Service that it was delivered on Monday, the XXXX XXXX XXXXXXXX at their XXXX XXXX XXXX XXXX, TX. I called XXXX yesterday, the XXXX, and they said it hasn't posted and they would file a dispute. I want this resolved so that I can close my account with them and cut up the credit card. I have a credit rating of XXXX and several credit cards that I have been paying in full, on time, for many years. I don't know what Comenity 's problem is, but I don't want my credit effected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 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: OH

Complaint narrative:
consumer reporting agency reporting incorrect infomation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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: OH

Complaint narrative:
consumer reporting agency reporting incorrect infomation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
Flexible Finance is an app that utlilizes a line of credit through XXXX XXXX XXXX  XXXX. to assist renters in paying their rent by splitting the rent payment in half. 

I attempted to close my line of credit with them following the instructions provided in the app, essentially pausing automatic my automatic payments to them. The app does not provide a way to terminate your relationship with the creditor and provides instructions on how to stop payments by " pausing '' on the app. The company does not adequately disclose that this does not terminate your credit relationship. I " paused '' my relationship with them in Late XXXX of 2023. 

I was not provided a statement of balances XX/XX/XXXX as required by law for open lines of credit, so I thought that my credit line had been closed. 

I was also issued an update to terms statement on XX/XX/XXXX ( confirming i still had an open line of credit with them ) and was not provided with an option to opt out and cancel my relationship them as also required by law. 

I emailed the company on XX/XX/XXXX requesting a termination of my credit line. I was emailed back an automated response on how to " pause '' payment again. I immediately responded and requested that the relationship be terminated. I was emailed an automatic response stating to submit questions via a form on the website. I was emailing XXXX XXXX XXXXXXXX which is the email listed and provided in the relationship and credit line agreement as the only method of contact to submit a request for termination of your relationship with them. I have not received a response from them regarding my cancellation request other than that the automated statement that it will be ignored and the ticket closed unless I submit a request through their app. 

I have also emailed them requesting my balance amount and have received no response. My last statement from XX/XX/XXXX shows a negative balance of XXXX and I have emailed them inquiring about this as well. 

This company does not respond to inquiries. 

I would like this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card was stolen without my consent or knowledge on Sunday morning at around XXXX XX/XX/XXXX from a XXXX XXXX. Following it being missing 3 unauthorized ATM withdrawls happened and at 3 different ATMS all over the XXXX XXXX. ( Areas I have never been to or make purchases ) I did not have my card at this point nor knew it was even stolen until the following Monday morning. The Bank even reported it as being unusual or suspicious activity but has denied the claim all together and is refusing to credit the funds. According to Wells Fargo there are no indicators of it being fraudulent, even though I submitted a claim, reported it and they did little to no investigation. I spoke to several claim supervisors that said there was nothing that can be done and they will be denying the claim from here on out. I am prepared to hire a private investigator to look further into this matter. I have locations of the three ATMS and not sure if there is any video evidence they can obtain. But Wells Fargo is not taking this investigation seriously and has not provided any help, action, or reimbursement of my funds being unauthorized dispursed from an ATM without my knowledge. 

XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX CARD XXXX This is the alert they sent me. Which I then verified. Then they denied my claim and said they can not credit me back the money stolen from my account : Subject : We've detected some unusual card activity From : Fraud Detection XX/XX/XXXX XXXX AM This message was sent with high priority Contact Us Action required : Please review recent card activit

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