vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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: OH

Complaint narrative:
My XXXX Victoria Secret card had a XXXX balance I went to use my card in XX/XX/XXXX i was given a number to call because my card needed replaced as it was cracked. 
I called comenity bank req a new card XXXX  card by victoria secret XX/XX/XXXX was told by a XXXX  it can take up to 12 weeks XX/XX/XXXX called again to see the status of my card issue they apologized and said allow just a few more weeks XXXX I spoke to a XXXX  and was told they could not find my account. 

So today XX/XX/XXXX I call again spoke to a total of 9 people and was told was closed due to inactivity without any notification. 
I told them i have been requesting a card for months and still waiting. 

I logged into my email and got this notification from a credit reporting company which said ____________________________________________________________ Remark code added to COMENITYBANK/VICTORI account Between XX/XX/XXXX, and XX/XX/XXXX, the following remark was added to this account : Account closed by credit grantor. 

Remarks are meant to make your report clearer. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
_______________________________________________________________ So i keep getting various closed dates. It was never late and always for 4 years in good standings and this will now reflect a lower credit score for me which is unfair. 
Above says it was closed between XX/XX/XXXX and XX/XX/XXXX Reps have told me it was closed from XX/XX/XXXX which i know was wrong to XX/XX/XXXX Was told again closed XX/XX/XXXX was advised letter not sent. Because they were doing a big system upgrade and they are sorry, no way to reopen it. 

Called spoke to XXXX and was transferred to a supervisor XXXX, she transferred me to a higher up supervisor XXXX, and she came back on line and asked if I was XXXX?? more than once I have had the worst experience with this company who just closed my account that I was in good standings with for 4 years without any notification XXXX - yet another supervisor only had static on her line when i spoke to the point the call was a big waste of time.

Granted I do not use my cards all the time but when i tried i was told it was cracked and to get a new card that never came and then they closed it. 
I want my account reopened, its not fair to me as a good consumer that pays bills on time. 

I should have had an email, letter in mail text, call something to say hey your account may get cancelled, but even when I asked for new cards 3x was i told it was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: MA

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Transunion by disputing incomplete/inaccurate information. Proof of this dispute can be found via USPS Certified Mail - Tracking # 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 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated i have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked the credit bureau to do a verification on my credit report. They did it and stated everything were accurate on them. However, i did a thorough research myself and find improper inaccuracies on my credit report even tough after they did, their verification. 
In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX and account # XXXX, has violated my right. 

15 U.S.C 1681 602 A stated 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 2022-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Financial LLC
State: MO

Complaint narrative:
I was drawn into this payday loan because at the time I was desperate for money and with bad credit I couldn't find any lender to loan me any money. Due to my desperation and how quickly the process of the loan went, it wasnt no time I signed the papers not even thinking about what I was really getting myself into, especially since they fail to explain the details to you, instead they leave it open and up to you by asking if you have any further questions. I signed the papers it took less then 15 mins and it wasnt until I signed and received the agreement that I realized that I would be paying almost 7x the amount I borrowed. In other words I've been paying {$240.00} a month since XXXX, I only borrowed {$400.00} and still presently ( XXXX ) my pay off amount is {$460.00} because the interest rate is so ridiculously high. I owe more then I borrowed to pay the loan off even after paying {$240.00} for the past 8 months. I am submitting this complaint because I want to make as many people as I can aware of how easily you can get yourself caught up in this type of financial burden, and how wrong it is to do this to someone struggling as a single mom who's worked hard to get out of a financial debt. Not only is this wrong it also doesnt get reported to the credit bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have an Activation Code from XXXX for Identity Theft Protection due to a Breach in their system. In my activating the Code ; Equifax system does not allow me to Activate the Code via their website after entering all of my information, setting up an Equifax account website & answering the system questions of information in my Credit report. ( I did not do the text message to my phone since the phone is for CALLS ONLY. ). I called the Equifax Customer Service # & after all of their " automated '' junk I was able to speak to XXXX. She took the Code & claimed she is connecting me to their " specialty team '' of which I am not given a phone # to call them in case I get disconnected. I waited for about 20 minutes & no connection. I called Equifax website Accessiblity phone # & went through the whole automated & was able to speak to XXXX XXXX being who stated their system just decided to do an update & to call back in a couple of hours & someone would help activate the code. I did not get to discuss the website Accessiblity information & she could not explain why the system is not working yesterday via their website for me to activate the Code. In several attempts of activating the code via the link XXXX gave I am getting the same information except not able to answer any questions pertaining to information on my Credit Report. equifax needs to make things more Accessible for XXXX, they need to take care of their Customers, & quite lying about their system be in the internet or their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I went to change a check of the amount of XXXX $ to the western union that is located on lXXXX XXXX XXXX XXXX XXXX XXXX  and the charge me XXXX to change it I think thats to much money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
XXXX I took a loan with XXXX in XXXX XXXX, {$15000.00} at 18 % interest. {$2800.00} was used to pay off a loan balance with XXXX that I took out XXXX for {$5900.00} at 20.918 % interest. 

The remaining {$12000.00} was used to pay off some smaller debt to position my husband and I for success. He had spent 17 months XXXX with the XXXX XXXX XXXX in XXXX and was having a hard time adjusting being back to civilian life. This loan helped us pay bills without too much financial stress while he took some time to heal from the death of his father during his XXXX. 

In XXXX, we unfortunately, separated and I moved out. He filed bankruptcy and I struggled to live day to day working full-time but not making ends meet. XXXX I contacted XXXX to share my XXXX and I was granted a loan modification. 

In XXXX XXXX bought my loan from XXXX. They also granted me a modification after jumping through all the hoops they asked me to jump through. 

Sometime between XXXX - XXXX my loan was bought by One Main Financial. Several times I contacted them questioning why after paying on the loan since XXXX was it not paid off. I had paying on this loan for 15 years! 15 years. 

In XXXX I requested a printout of what I have paid to date. From XXXX to XXXX the principal was decreased to {$10000.00}. I kept paying though. At some point in XXXX XXXX XXXX had removed the interest from the loan so I was just paying principal payment of {$110.00}. 

In XXXX I had enough. I stopped paying. Responsible me struggled with this decision. At the time my father was placed in a nursing home and was diagnosed with XXXX. It is my sole responsibility to make sure he was being cared for properly and being respected in his new living environment. I was overwhelmed and I gave up mentally and emotionally. 

I wish I would have filed this complaint before now. I have worked very hard to bring my XXXX XXXX up from the XXXX it was after leaving my ex-husband. I have paid back close to {$50000.00} for a {$15000.00} loan that wasn't even a mortgage. Help please. 

Thank you, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: FL

Complaint narrative:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) XXXX U.S.C. App. Section XXXX, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

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 2022-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitol One froze my account because I was trying to buy XXXX currency from a well known XXXX XXXX XXXX located in XXXX XXXX, Ca. I called them XXXX different times to verify my purchase with them and explained it to them. The XXXX time I called Customer Service about this issue the representative said that Capitol One would send a check for the XXXX dollars from our checking and savings account! Its been well over a month or more and still no check for my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: RI

Complaint narrative:
I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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:
I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 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 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-26 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:
I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 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 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
We purchased over XXXX in gift cards in last 3 years, and now, after we gave a few out they seem to have already been used. American Express issued them, but now they tell me I have to first find every fraudulent transaction on each individual card, and then contact each merchant and dispute the individually charges with them. 
These cards never left the envelope they came in, but I hope there is a more efficient method to resolve this as I do not have enough time to call that many merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: LA

Complaint narrative:
A company repeatedly charged my CashApp card attempting to drain all funds. They were able to get {$150.00} ( all that was available ). This is has been disputed at CashApp support. 

Hi there, I'm XXXX, a XXXX XXXX for Cash App. After reviewing your case, I can see that you have an unrecognized transaction. 


Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX XXXX Captured {$50.00} XXXX Card Not Present Purchase ACQRA *innskins We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Thanks for your continued patience while your claim is under review. 

XXXX XXXX. 
Cash App XXXX XXXX ref : XXXX : ref -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is XXXX XXXX Cash App XXXX After reviewing your case, I can see that you have an unrecognized transaction with XXXX XXXX 

Date Status Amount Last XXXX of Card Type Statement Description XX/XX/22 at XXXX EST Captured {$100.00} XXXX Card Not Present Purchase XXXX XXXX We have received your dispute and filed a claim. As updates become available, we will keep you informed. 

Our investigations usually take up to XXXX XXXX XXXX. However, it may take up to XXXX XXXX to review and resolve your claim. 

We recommend securing your account by following Cash Apps XXXX XXXX Practices ( https : XXXX ). 

Thanks for your continued patience while your claim is under review. 

Best regards, XXXX Cash App disputes ref : XXXX : ref

Company response to consumer: Closed with explanation