vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: SD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The credit card XXXX XXXX financed by comenity bank I purchased a piece of Jewelry from XXXX XXXX, they advertised a 12 month interest promotional financing. The purchase amount was {$3700.00}, my first payment was due on XX/XX/XXXX. I signed for paperless statements, I made all payments before the due date each months, my payments ranged between {$250.00} and {$350.00}. The last payment I made was on XX/XX/XXXX of {$250.00} the balance after this payment is {$160.00}, which I scheduled on line. I was thinking my promotional interest free account ends XXXX XXXX On XX/XX/XXXX they charged me {$600.00}. They said the last statement reflected that the promotion is over early XXXX. THE LAST STATEMENT AVILABLE ONLINE WAS ON XX/XX/XXXX. They did not provide a statement for XXXX or XXXX. I tried to talk to them they said it's my fault I did not call to get the XXXX or XXXX statement and they will not wave the interest which the charged on the full balance. 
Can I get help with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have my amazon store card on autopay and I am not as diligent as I should be checking my monthly balances, however I recently noticed a fee for card security that has been adding a percent to my balance for the last 10 years, and I have been paying interest on it. 
When I tried to resolve the issue with Amazon and asked for a refund l was given a partial refund because it was passed the 90 days of joining. Apparently they snuck it in when I applied for the card and I am not sure how Im only seeing this fee now, however its a service I never wanted and never agreed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
This collection of debt is incorrect. I have never received any notices from this company. I have photos & videos of this service being disconnected because of damage from a hurricane named Delta on XXXX/XXXX/XXXX. The service was never turned back on because no one was living in this house. The house was moved off our property XX/XX/XXXX. This company was unlawfully charging me for a monthly service of electricity from the XX/XX/XXXX until XX/XX/XXXX. I've contacted this utility company multiple times without any response. I've tried to dispute and have heard nothing back. I have tried logging into Convegents website and it always says information doesnt match. On XX/XX/XXXX i contacted an agent from Convergent ( XXXX XXXX & she stated she can not explain why i can not log on and see my charges. This is not the only disputes this company has in our city. They have been on the news multiple times for charging people that were not connected. Im not sure what my next step is. This is the only derogatory mark on my credit. Any help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Go Capital Holdings, LLC
State: VA

Complaint narrative:
In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late XXXX XXXX and this account has been closed since 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 2022-10-03 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late Credit Acceptance and this account has been closed since 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 2022-10-03 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: DigniFi
State: OH

Complaint narrative:
Dignifi is reporting fraudulent accounts to the credit bureaus. These accounts arise from identity theft. My information has been compromised in the XXXX data breaches. Dignifi is also reporting late payments. I am being harassed by text, phone calls and emails about payments due that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
There were multiple accounts opened back in XXXX of 2016 under my name and information, that I NEVER opened myself for some place called XXXX, and for XXXX XXXX. Ive contacted this company in the XXXX  and they said they would be sending over their response but its going on a week almost two, of not receiving said documents.they are reporting these two accounts on my credit reports which show negative payment history, which is destroying my credit. These accounts are fraudulent and need to be immediately and permanently deleted from my credit reports ( XXXX, XXXX, XXXX ) and just as an added proof of my claims, I will be providing an Identity Theft Affidavit detailing my claims further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( XXXX ) credit bureaus immediately as it is inaccurately reported on my credit file.

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 2022-10-03 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Good morning, I received a letter last Saturday XX/XX/2022 ( Please see attached file ) which i never authorized to run my credit report. 
There was an initial talk to the agent but in the end of the conversation i decided not to proceed i have not given authority to run the credit check and even to the point of not giving my social security. ( May be you can check on your recorded line ) I wish this can reverse thru my credit points, i want action to this matter before i start filing a credit complain to the three major consumer report. Pertaining to ( XXXX XXXX and XXXX consumer ) My rights as an individual was compromise. I presume the agent got my SSS thru my old inquiry last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: MA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-03 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: CB1, Inc.
State: CO

Complaint narrative:
On XX/XX/22 I sent CBM collections a letter requesting a validation of an alleged debt they placed on my credit report. On XX/XX/22 They sent back a ledger that was made from their office. Also my understanding debt collectors are required to identify themselves when they attempt to collect a debt as well as note that any information you give them will be used in an attempt to collect the debt, which it is NOT marked anywhere on their " ledger '' they sent me. On XX/XX/22 I sent them a cease and desist and failure to validate the debt and requested they remove the account immediately considering they have violated more than one FCRA and FDCPA laws. 

They have not responded since, not have they removed this account from my report. 
I have included all correspondence as well as my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
There is a billing error on my discover statements that were sent to me. I have notified Discover of the billing error thats on the account. A consumer credit transaction took place when this account was opened. I used my credit card Pursuant to Truth In Lending Act 15 USC 1602 ( l ) the definition of a credit card is a card, plate coupon book, or other credit device to obtain money, property, labor or services on credit. The credit card has an open end credit plan because there are repeated transactions that takes place when I use the credit card. There was an uninformed use of credit with this transaction and this is unfair billing practices. Discover failed to give an adequate notice Pursuant to 15 USC 1602 ( k ) ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

I made an uninformed decision because the pertinent facts of this credit card agreement was not clear and conspicuous to me and to which I could understand its meaning. 

This would result in unauthorized use on my credit account Pursuant to 15 USC 1602 ( p ) ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I did not benefit from this transaction. 

Please see the attached letter as well for more explanation of the billing error on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
The phone number that the company is calling is not a number that I have listed as a contact number for myself and have asked them repeatedly to stop calling the number they are calling.

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 2022-10-03 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: MN

Complaint narrative:
I had sent an email to XXXX  requesting information today XX/XX/XXXX very early in the morning when I couldnt sleep. I stated that I am interested or want to apply for their Card with Rewards but wanted to know if they did a soft pull or hard pull on your credit report and then if it was a soft pull would it be a hard pull once I actually applied. The first email they sent explained that I recently checked rates on a partners site but that they couldnt provide me with a loan because. Well the first listed too many requests and my credit report doesnt list any hard pulls so they must be talking about soft pulls which doesnt effect my credit score. I never applied for the actual card and so I called them and they even have an old address listed so this mornings denial was using an old application and I did not approve of. I know soft pulls dont hurt credit but this seems to have hurt my chances with them and in fact another reason was too many revolving accounts and too high of balance on those accounts. When I called he also said I must have applied because they wouldnt do that with an email. But they did and then AFTER the call at XXXX they sent the email actually responding to my email. So I know in fact they put through an inquiry without my permission and XXXX- I never fully filled and hit accept on any application with them today ; 2- it was incorrect information regarding accounts I currently have ; 3- wrong address which I know I wouldnt have typed in ; 4- I want no inquires if possible unless I know I will for sure get it now that I know soft pulls can also be seen. I have now locked my credit report ( as of tomorrow ) but dont want you not to have access so I this is an official dispute with Upgrade and they wouldnt even listen or inquire why or how this application supposedly appended so I am writing to you. 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 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Payment method : Chase XXXX I sent this person {$2000.00} ( {$500.00} each time, 4 times, from XXXX ) by Chase XXXX XXXX purchase an used XXXX Bag on an APP called XXXX ( similar as XXXX ) XXXX But it turned out she gave me an tracking number, which I confirmed with XXXX, it was a package from XXXX, instead of personal package. And because this package was delivery to an different address instead of the one I provide to her, I received nothing. 

I told with this person, she insist the tracking number was correct and refuse to refund. 

I am very willing to provide all evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: SD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open 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 2022-10-03 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: SD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX Co. # XXXX, Account Name XXXX XXXX XXXX XXXX Acce # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX Service # XXXX 15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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