vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2023 I went to make a purchase and noticed my balance wasn't correct. I called customer service number and was notified I had a pending direct deposit of {$1200.00} scheduled to be deposited into an account/card I don't have and one I did not authorize. I spoke to a live representative and explained what was going on and I was informed direct deposit was scheduled to be deposited on an XXXX XXXX card/account. I expressed I didn't authorize that and I wasn't the owner of that card/account. I was told since it was a pending direct deposit I would have to wait until deposit went through! But she would make a note on my account and I would be receiving my money back. Days go by nothing. I call for updates and told they see all this marked down but no update. On XX/XX/2023 I spoke to account representative and was told I needed to fill out dispute forms and if I had received them. I confirmed I had not so she emailed them to me. I emailed completed forms to dispute department on XX/XX/2023. I was then told after they received completed forms it could take up to 21 days to investigate and resolve dispute. Here it is XX/XX/2023 and I haven't heard anything. I called on XX/XX/2023 which is XXXX after " investigation '' was finally started according to customer service. I asked for status update and was told there were no updates. I asked for the number to the dispute department and was told they were not taking calls. I called back on XX/XX/2023 and told still no update but note was put in for someone from dispute department to reach out to me with an update. I emailed the dispute department on XX/XX/2023 and have yet to hear back from anyone.

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 2023-03-07 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: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
Please provide proper documentation that you in fact a covered entity under HIPAA and the name and address of the original alleged debt holder. Pending my receipt of this information and in accordance with federal laws, cease and desist reporting to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was given the fraud alert number of Experian by you guys today XX/XX/23. However, I can not speak to a live person. I am victim of Id theft. The main number when you are asked to verify information asks if you want the credit freeze to be deactivated gives you an option to unfreeze it. However, the person who has my social security is able to unfreeze my credit and I have been getting notices that I have been denied credit due to info on my credit report that should have been frozen. I didnt initiate it the unfreezing of my account. I need to know what security features can be done with experian to ensure my credit freeze can not be done by someone with my social security number and zip code. Considering I get not notification that is being unfrozen this is a major security issue as well as having the person being able to disable the id theft alert as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had an appointment with XXXX XXXX XXXXXXXX in XXXX XXXX XXXX and signed a contract for XXXX some of dollars. I went once and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX  told me that he was not going to take that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are holding me XXXX and have ruined my credit. My credit was extraordinary and my XXXX score his drop XXXX points and I got a terrible XXXX and the XXXX  prescribed a XXXX  instead of the XXXX that I was supposed to have. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I would never go back there. I saw the non closure. And I was to oh nothing but they are charging me {$4400.00} and will not help. Ive counted that contacted them so many times this is the worst place ever. There are XXXX complaints on XXXX about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/2022, I opened a checking account at US Bank Branch located at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, In response to a promotion code XXXX which says that if I opened an account and make a direct deposit that would amount to XXXX or more within 2 months of opening the account I would received a bonus of {$500.00} which will be deposited into my new checking account within 60 ; days of direct deposit verification and verification of enrollment in US Bank mobile App. 
I was enrolled at US mobile App the day I opened the account which is XX/XX/2022. My first direct deposit on my new Checking Acct was dated XX/XX/2022. As of XX/XX/2022 I already have a direct deposit totalling {$6700.00} posted in my account. 
XXXX XXXX I called US BANK customer service, representative XXXX attended my call and told me that I won't receive the said bonus until after 5 months. 
Request assistance to make US BANK comply to their promise to give me said bonus within 60 days from from direct deposit verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone opened a Wells Fargo account around the XXXX XXXX, CA area and attempted to deposit two counterfeit checks totalling to be {$57000.00} USD - one check was deposited XX/XX/2023 and the other was XX/XX/2023. This account, along with the XXXX XXXX XXXX XXXX account and XXXX XXXX account ( complaint filed ) all have some connection to XXXX, CA. The Wells Fargo representative with whom I spoke ( XXXX XXXX XXXX confirmed that the person who opened the account also has a fake ID with my name and birthday, so they are using that ( along with my social security ) to open up these accounts. 

The only email address that they had on file was " XXXX '' - I have been in touch with XXXX XXXX about the situation and filed a police report with the XXXX Police Department as well. I have also frozen my credit with all three bureaus. 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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I received a text message that my CHIME BANK ACCOUNT phone number had been changed to a number I do not recognize. I have had CHIME since 2018 and have never, ever changed my information. I spent 45 minutes attempting to get back into my account, which I was able to do with my email address only. 

Once I was in my account, I saw ALL OF MY FUNDS had been transferred fraudulently to a different CHIME account. ALL OF MY MONEY. I called Chime immediately and filed a dispute. They told me that it can take 45 business days and that I'm eligible for a provisional credit but not for TEN BUSINESS DAYS. This is all the money I have in the world and I am unable to feed my family or pay my bills. They will not do anything beyond this to help me. I have filed a complaint with the XXXX as well as a police report as they can see the EXACT chime account it went into along with the person 's name and ACCURATE information. 

They dont seem to care that I am an actual person and this will deeply affect my life and my ability to care for my family. 

I NEED MY MONEY BACK! THIS IS MY LIFE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
COMENITYCAPITAL/MYCASH. Date open XX/XX/2022 Some one tried to steal my identity in XX/XX/2022. I spoke to someone at this bank in XXXX and asked all action to be stopped. Community Capital still gave the forgerer credit! I do not owe this acct. I value my credit history and now it is lowering because of this! 

Here is report number with XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
The account has been charged off and no 199-c was mailed. in violation with it on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
The debt was charged off and no 1099-C was not mailed to me. The debt has already been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Earlier last week, Bank of America called and left a message in regard to a possible fraud alert on my account. I then received a letter from the bank stating that they had received a credit card application in my name. This letter asked me to call the bank to inform them if I did submit the application. I called the morning of XX/XX/23, informing the bank that I DID NOT ask for a credit card application. I was informed that not 1, but 2 applications have been submitted in my name. I confirmed all requested information with Bank of America in regards to my personal information. The representative informed me that the applications have been denied and there would be a fraud notification on my 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 2023-03-07 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: CarMax, Inc.
State: GA

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2023-03-07 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: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2023-03-07 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: Kikoff Inc.
State: IL

Complaint narrative:
The date it was reported as late XXXX XXXX, XXXX was incorrect and unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I contacted the collection agency about a debt due to car insurance where they claim i owe of {$130.00} to them. I sent them a letter by certified mail on XXXX XXXX, XXXX and have not heard back from them regarding of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the I c systems ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXXXXXX and have become a permanently XXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru bk. Im working on that since i am 100 percent they will be XXXX hopefully all thru XXXX all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if XXXX XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX children. I sure hope this reaches the right person. Thank you so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the I c systems ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXX/XXXX and have become a permanently XXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru bk. Im working on that since i am XXXX percent they will be XXXX hopefully all thru XXXX all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if XXXX XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX children. I sure hope this reaches the right person. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. CONGRESS MAKES IT CLEAR THAT I HAVE A RIGHT TO PRIVACY AS A FEDERALLY PROTECTED CONSUMER! YOU CONTINUE TO VIOLATE AND DISRESPECT MY RIGHT TO PRIVACY WHICH IS A DIRECT VIOLATE OF THE FCRA AND THE GRAMM-LEACH BLILEY ACT . I DID NOT CONSENT OR AUTHORIZE FOR YOU, OR THE PEOPLE MENTIONED BELOW TO USE OR SHARE MY NONPUBLIC PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC.
State: WI

Complaint narrative:
They call my relatives phone for me. Dont even know how they got my dads phone number or knew that he was a relative! My dad told me so I called the number! A lady answered I asked who they were. She said it was AFNI I asked what they do and she wouldnt tell me. She wouldnt tell me her name either! She asked me what for my ssn. I told I was not giving out that info! And I wasnt answering any questions until she told me what AFNI is! I asked for a supervisor and she hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The lender must file Form 1099-C and send you a copy if the amount of debt canceled if debit is XXXX or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

SEND ME MY FORM 1099-C that you should have sent when you filled the account as canceled debt! SYNCB you are furnishing inaccurate and incorrect information to the consumer reporting agencies. As Defined by The IRS Even if you didnt receive a form 1099-C, you must report canceled debit as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! You have no permissible purpose to furnish this information on my consumer report!

By Definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt 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 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was notified by XXXX XXXXXXXX XXXX  of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. XXXX XXXX XXXX responded with account summaries and a letter from said original creditor JCPENNY. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.

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