vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
If you will notice this is the exact amount charged off by stage commenity I was under the impression it was gone n this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without smart ellic men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently was sent an email stating my bank account would be closed within 60 days. They did not give any specifics other than violated the terms of your account per the client manual I have not done anything to violate these terms and dont know what would make them close my account. But searching the web it seems like a common practice On the email it says I will receive my balance on my account only after the 60 days when my account is closed, but also mention in the email : If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. So I called there fraud department ( XXXX ( XXXX ) XXXX ) and talked to a rep asking her to please expedite a check for my balance as I am in a dire emergency. I need the funds for medical reasons and by not receiving it soon it would put me in a real dangerous situation medically. She said she couldnt do anything and I asked to speak to a supervisor who also said I was out of luck! This is unfair that I cant access MY money that I need for an emergency from a decision CitiBank made! I can not wait 60 days for my funds this was my entire savings. I have no other options in this dire situation.

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 2022-10-11 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: NC

Complaint narrative:
I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with XXXX being one of those credit reporting agencies who notified me of their own data breach.

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 2022-10-11 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: NC

Complaint narrative:
I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with Equifax being one of those credit reporting agencies who notified me of their own data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NC

Complaint narrative:
I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with XXXX being one of those credit reporting agencies who notified me of their own data breach.

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 2022-10-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Technology, Inc.
State: NV

Complaint narrative:
XXXX REPORT PROVIDED BY : CREDIT TECHNOLOGY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX VOICE XXXX FAX XXXX Falsified my credit report for company listed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( 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. 
XXXX XXXX. XXXX ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( 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. 
XXXX XXXX. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX XXXX. XXXX ( 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have banked with regions a few years now. As a XXXX, I NEED a bank that I can easily deposit cash. I picked regions because theres multiple locations by both my work and home. They have continually charged me unfair overdraft fees for the entire time. I cant tell you how many times Ive went to bed at midnight or later with a positive balance only to wake up with an overdraft fee. The bank onky allows ONE overdraft reimbursement, no matter how long or how much you bank. Ive been told that all transactions are in by a certain time of time yet Ill still be charged an overdraft AFTER said time. Ive even had a instance where the banker himself couldnt tell me why I was overdrafted, I had money in the account, more than enough for my transactions. Regions bank is a terrible bank for someone like me. The ATMS are full often therefore you cant deposit any money to even try to combat overdraft fees. Ive been looking for months now for a better bank solution

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 2022-10-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: NV

Complaint narrative:
XXXX REPORT PROVIDED BY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX FAX XXXX Falsified my credit report for company listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
Companies like Moneygram do this to people because nothing is ever done. I'm XXXX and i don't have money to just give to Moneygram who is basically stealing customer 's money and playing games. Their phone agents are Incompetent and can't comprehend simple XXXX nor do they try to assist anyone with anything. They bounce you from agent to agent yet not one will assist you or they tell you that you have to contact this department and that department. They don't respond to emails or to messages you send on their website. Therefore i'm filing this complaint against Moneygram will their fraudulent antics. Moneygram have proof that i sent them showing the money order was never cashed yet they're still refusing to send me my check for the {$300.00} claiming it need further research. I purchased a money order on XXXX for {$300.00} at CVS Pharmacy on XXXX XXXX XXXX XXXX in XXXX, MI XXXX. The Company that i made the money order out to never cashed it and finally gave it back to me in XX/XX/2022. I checked on the Moneygram website and it showed the money order was never cashed. Moneygram charged me {$45.00} for so called 3 Day Processing then they charged {$22.00} for Overnight Shipping. I received an email from Moneygram on XXXX claiming they need more information abd to send a copy of the money order and the receipt. I sent in what they requested not once but twice that day. I sent the proof by email and i posted it on their website. Since then i've not been able to check the status of my money order website and all i keep getting are 6 Blue spinning circles which i told Moneygram about yet it's a new week and Moneygram still won't fix their website. 

I included screenshots of their email, the money order i sent proof of, as well as their website and you can see that Moneygram is playing games with people. All of a sudden after i submitted proof now i haven't been to check the status. Moneygram charge all of their ridiculous fees then keep your money even when you provide proof that the money order was never cashed. I've made every attempt to get answers about my money yet Moneygram continues to play games.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I rented a car from XXXX - {$460.00} credit card hold, XXXX XXXX - {$630.00} debit card hold, Chase - {$300.00} cash deposit On XX/XX/XXXX due 2 separate issues with the car, I returned the car I was supposed to get a 100 % refund. 
The refund was {$300.00} deposit returned The {$460.00} credit card they stated was never charged. 
My {$630.00} was never returned to my debit card The last bewildered I got, customer service telling me to stop contacting them. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NC

Complaint narrative:
This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: AR

Complaint narrative:
Vehicle shopping and was already financed through my bank, informed the dealerships that I was browsing that I already had an approved check through my bank and no financing needed to be done due to being financed through my bank. I did not give permission for my credit to be ran causing me to have an overwhelming amount of hard inquiries which has affected my credit. Please see the enclosed listings of hard inquires as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-11 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-11 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: NC

Complaint narrative:
I repeat this is not a duplicate, I am filing this because there has been no resolve to this complaint. Read this entire complaint..This is not a duplicate, this company financial data systems is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. Financial data has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, financial data has broken NC laws and Federal laws pertaining to 15CLet it be known to all that financial data systems have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that financial data systems answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
I received a notice from a debt collector saying I owed money to a XXXX service. There's no itemized list as to why I owe said money or any description of the service allegedly performed.

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