vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted a letter to the Equifax and XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TX

Complaint narrative:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, 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 2022-07-13 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: NJ

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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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:
There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXXTRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX via XXXX XXXX TRANSUNION XXXX XXXX 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 via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via 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 2022-07-13 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:
There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER FINANCIAL SERVICES XXXX XXXX XX/XX/XXXX Received Email from DISCOVER FINANCIAL SERVICES, '' Thank You for your " Recent '' application for a Discover Personal Loan, Your Online submission was successful. 

The name " XXXX XXXX '' is " NOT '' my name. 

XX/XX/XXXX Email from DISCOVER FINANCIALS SERVICES Thank You " Your Uploaded of " Cash Flow '' Documents was " Successful '' We look forward to completing your loan request. 

XX/XX/XXXX Email From DISCOVER FINANCIAL SERVICES Your application is close to being completed, we need a few verification documents. 

XX/XX/XXXX Email from DISCOVER FINANCIAL SERVICES We have Great News We have verified all of the information provided and your loan is now ready to accept. 

Each letter has more content within the letter. 
Showing an Application Ref Number and DISCOVER phone numbers. 
I proceeded to contact DISCOVER on Two Occasions, with " No Explanation '' .or Understanding '' Who is XXXX XXXX XXXX and how is she connected to my Email Address,? I proceeded to do a " People Search '' and There is a XXXX XXXX  listed. I went no further. 
It seems I have had difficulties with my DISCOVER account in the past which is now closed and went to a Debt Collector. When I access my XXXX  Credit Reports it shows , `` No Payment Activity " /Account not found. How can this be? CHARGE-OFF '' Settled for less than the Full Amount. Closed XX/XX/XXXX. I never " Settled '' So I don't understand. Starting XX/XX/XXXX I would receive in Email From DISCOVER CARD-ALERT-SSN-INQUIRY AND NEW ACCOUNT Received Four : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I called DISCOVER No Explanation.!!! My determination. The Alert is referring to my SSN, INQUIRY, NEW ACCOUNT I know nothing about a New Account.and There is nothing New added to my Credit reports.There 's more, To much to send

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: GA

Complaint narrative:
On XX/XX/2022, TransUnion re-inserted a 30-day late payment on an account ( XXXX XXXX ) without informing me in writing. On XX/XX/2022, I sent a Certified Letter explaining that my rights have been violated per 15 U.S. Code 1681i ( B ) ( ii ) : Notice of Consumer-If any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion. When I called on XX/XX/2022, I was told by XXXX ( if he provided the correct name ) that TransUnion is not required to notify me. My Rights Have Been Violated!

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 2022-07-13 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 with the Fair Credit Reporting act XXXX XXXX Account 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

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 2022-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TX

Complaint narrative:
I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX  XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX, 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 2022-07-13 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: TX

Complaint narrative:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX  XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX  XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX  XXXX Balance {$620.00} ; XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: TX

Complaint narrative:
It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If Experian, XXXX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : 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 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My XXXX XXXX has been declined when I attempt to use it since at least XX/XX/XXXX or so. During the same time, I haven't been able to log in on their website or get through to a person on the phone. 
I attempted to pay my bill using XXXX at one point when it worked, but the payment doesn't seem to have left my bank account and XXXX no longer works. 
I was able to log in online once, saw that my balance was way off, then it kicked me out when I tried to view transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2022, Chase Bank sent me a text regarding a possible fraudulent charge on my debit card. The charge was not fraud but rather an error on the part of the vendor - I had canceled my account with this vendor a day earlier. No fraud on the part of anyone. The next text I get is to tell me Chase has closed my debit card - I was having lunch in a restaurant with only my debit card on me. I then went to the branch and was told I would have to wait 5-10 business days for my new card to arrive. I decided to close the account and this is when things became sketchy. 

The banker assured me all pending transactions had been accounted for and monies held back to clear those pending transactions. I was then issued a cashier 's check for the remaining balance of my account. On that same day XX/XX/2022, my car payment of {$670.00} ( a pending charge according to Chase ) was returned NSF- with no notification to me whatsoever. Several days later, and now faced with a late fee and an NSF fee, my auto lender, XXXX, contacted me. 

When I visited the branch to request a copy of my most recent statement so I could see what had happened, I was met with immediate and gratuitos hostility by a XXXX XXXX the branch manager. The very first thing XXXX said to me was ... " This is your problem. You chose to terminate your relationship with Chase last week and as a result we have no obligation to assist you whatsoever. Eventually XXXX XXXX gave me the statements, but only after I insisted she do so. 

It took me another 2.5 hours on the phone that afternoon to convince anyone at Chase to assist me as the bank statement I was given was missing all activity regarding this " transaction '' between the two banks. The bank statement covers all transactions/activity through XX/XX/2022. I have virtually no way of reconciling this account if Chase refuses to assist me. Chase removed all of my online banking access so I am not able to see what transpired - They want me to take their word for it. Per upper management at Chase, this activity should be on the statement, but again Chase refuses to give me any proof whatsoever that this transaction ever existed, was ever sent back NSF, when it was listed as pending, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I did attempt to open a checking account with M & T bank. But I later cancelled it due to its terms. However, months later, I received scam text messages from XXXX with the following request : " [ M & T_XXXX ]. Your XXXX XXXX  is currently overdraft - {$190.00}. To review and cancel debit request, visit XXXX XXXX XXXX immediately. '' I did not respond to the request for payment. I did not access the scam link.

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 2022-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted a letter to the XXXX and TransUnion Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again.

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 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am unable to log into, pay, or negotiate this account. Apparently, comenity bank is experiencing a nationwide system failure/glitch that is preventing consumers from logging into their accounts. However, I keep receiving " late/past due '' emails and have another incoming payment due in a few days. Whenever I call their customer service department, I keep being told to " Call back later because of a system update/ outage. '' I have been told this same thing for weeks now every time i call. I do not know what else to do? 

Furthermore, the loan amount in question ( {$4100.00} and change ) is incorrect. I have only received treatment ( 2 ) treatements that should have only totalled {$400.00}, from Comenity Bank 's provider, XXXX XXXX. Althought the balane was brought down to about {$2100.00} and change, this is still too excessive considering I only received 2 hair/wash/groom appointments that should have only costed me about {$200.00}. 

Lastly, I never received an itemized receipt detailing the charges of only the 2 treatments i received at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 with the Fair Credit Reporting act XXXX XXXX Account 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

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 2022-07-13 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 with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation