vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
In early XXXX of XXXX, I received a statement from Comenity Bank indicating a balance of {$160.00}, including a late fee of {$75.00} and interest charges of {$4.00}, but the statement does not contain information on any purchase. Additionally, the statement does not have a header and doesn't show any retailer name. I called Comenity Bank on XX/XX/XXXX to inquiry the charges and informed them that I have not received any statements recently and this is the first time I am seeing the charges. They indicated the purchase was for XXXX XXXX and agreed to waive the late fee, but refused to waive the interest charges. I asked to speak to a supervisor and they dropped my call two different times. I called a third time and the customer service person transferred me before I even finished my sentence. I have sent in a payment of {$91.00} on XX/XX/XXXX, which includes my purchase amount of {$86.00} and the interest payment of of {$4.00}. I have also requested them to close the account. Given the circumstances and the fact that I did not receive any statement until a payment is due, I believe their practice is unfair and violated me as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05 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: TX

Complaint narrative:
Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to XXXX as an " Open Account '' under my name.

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 2022-08-05 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: TX

Complaint narrative:
Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to Equifax as an " Open Account '' under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXXXXXX 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 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 2022-08-05 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: IL

Complaint narrative:
I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

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 XXXXXXXX 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 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: IL

Complaint narrative:
They call over and over. They say they dont care and will keep calling. Even though I told them Ill send a cease and desist letter.

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 2022-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried contacting XXXX and Equifax in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have XXXX control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 to the fair credit reporting act XXXX  account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/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 2022-08-05 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 to the fair credit reporting act XXXX account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX is showing citi credit card on my credit report when it is showing in XXXX charged off/closed. My XXXX report is not showing that card on my report nor is XXXX showing that on my report. All 3 reports only show 2 bills that I have outstanding with XXXX and XXXX score of XXXX and XXXX. While XXXX is showing XXXX. I am not saying that didn't happen with citi however, it is not showing on the other 2 credit bureaus because it was CLOSED. It is no longer open. All 3 credit bureaus should match.

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 2022-08-05 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: NV

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

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

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

The following Account ( s ) : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. 
Balance : {$12.00}, 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 2022-08-05 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: TX

Complaint narrative:
Equifax this was put on my credit report my question is why are you reporting to XXXX this this the third time you refuse to answer the question. three times I have asked three times you have dodged the question next I will file with the FTC validate this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Initiated an internal transfer between 2 Chase Checking accounts on XXXX for {$5800.00}. Apparently Chase had put an account hold or freeze on the receiving account due to a recent check deposit. The transfer was not completed. However, the transfer was not reversed and the funds were not returned to the originating account timely. I called the customer service line on XXXX, was transferred about and was advised it would be 2-3 business days for the funds to be credited back. This is a transfer between 2 internal Chase accounts. I find it unacceptable that in not being able to complete the transfer as requested, the funds were debited from the initiating account and will not be reversed/credited back for 2-3 business days. Furthermore in trying to work with the agent to determine if there was some way for the credit to be expedited, the call was dropped and no one attempted to call me back. When I called back again, I was transferred about and placed on hold for 10 minutes only for the call to be dropped again. 

Very disappointing to have the issue in the first place and not be able to successfully connect with anyone to resolve this issue timely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
I have noticed some fraudulent accounts on my credit report. I have submitted a complaint with the Federal Trade Commission. I have also attached my documents and report. Please remove these accounts from my report. 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 non-monetary relief
Consumer complaint received 2022-08-05 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:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Approximately XX/XX/21 I made an online payment to XXXX for {$140.00} on a XXXX XXXX visa card. During that time XXXX had switched from Visa to Mastercard and the payment of {$140.00} went to the Visa and subsequently to Barclay Bank. XXXX contacted me and told me the visa payment had not gone through and I then wrote and mailed LL Bean a check. I contacted the Barclay Bank in XXXX Delaware via telephone and mail, requesting return of my visa payment. My bank sent a communication to Barclay to help with the return of my money. They sent me a check for the full amount, but my bank said the check was illegible. I sent the original uncashed check back and requested a new legible check and I have not received the {$140.00} they had received in error. I have written letters and made numerous phone calls and still have not received the money. The case number with Barclay Bank 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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-08-05 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:
XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX  showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.

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 2022-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Did not authorize for credit to be ran by capital one on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX I had money put on my card by XXXX XXXX total of {$420.00} and I noticed at XXXX. There was a transaction was made of the amount of {$400.00} leaving me with {$20.00} left the transaction was made XXXX XXXX  XXXX XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA US cash charge {$3.00}.

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 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is blaming their incompetence on fraud. 

They paid checks totaling {$18000.00} to a party that was not the payee. They have no info on which bank presented the checks or what account deposited them. 

I am out {$18000.00} because of their incompetence and they have provided no assistance in the month since I reported this.

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 2022-08-05 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: NY

Complaint narrative:
I have noticed some fraudulent accounts on my credit report. I have submitted a complaint with the Federal Trade Commission. I have also attached my documents and report. Please remove these accounts from my report. 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 2022-08-05 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: AR

Complaint narrative:
I was affected by Equifax fraudulent practices, they assumed a vital role in evaluating my credit report and they didn't have my consent or my permission to do so per 15 USC 1681 A. They were unfair, partial and didn't not respect my privacy with grave responsibility that they assumed themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Credit report notice shows a default to a power company in the amount of {$620.00}. 
Account opened XX/XX/2022. 
Service power address is where I lived 15 years ago. 
I am legally divorced ( 15 years ), and ex-wife still lives at service address. 

The debt is with collections so I can not dispute who authorized the account with the power company. 

I live in the same house with the same utilities going on 14 years with never any association with my ex-wife ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief