vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I applied and was granted a credit card via Comenity Bank for Kay Jeweler. The next day, XX/XX/XXXX, we spent about one hour shopping in the store for the perfect rings. To seal the deal the rings were 60 percent off. We were elated. However, my joy was quickly deflated when the salesman checking me out informed me that my account had been suspended by the account protection team. Having a credit score of over 800, I thought he was joking. The salesman informed me further information would be sent to me as they wanted to ensure it wasnt a fraud issue. Imagine my embarrassment! 

As instructed via communication sent to my home address, I reluctantly emailed copies of XXXX ) front and back of my driver license ; XXXX ) front and back of my social security card ; and XXXX ) a copy of my Consumers Energy bill on XX/XX/XXXX. I was reluctant to send the information as I was instructed to email this SENSITIVE DATA unsecured. 

Having complied with the communication, I was totally shocked when I received a final communication stating Following a review of your KAY JEWELERS credit card account and related transaction. Comenity Bank has permanently closed your credit account due to continued security concerns involving this account. I complied with what was requested of me so I called the Account Protection Team for an explanation as to why after I have supplied all the necessary information to prove/confirm I am who I say I am WHY was my account closed. The representative stated that he could not go into details he would only share that the documentation didnt meet the banks standards. 

Meanwhile, this transaction has been registered on all the credit bureaus and is causing a major NEGATIVE impact on my credit score and credit history. Furthermore, I was a cardholder for over 15 years on a different account with Comenity Bank for XXXX. I maintained excellent credit with the old account for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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:
Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: GA

Complaint narrative:
on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : XX/XX/2021 Company : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/2021 Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, RI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA 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 2023-04-10 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Ive reached out to Navy Federal XXXX of XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and have gotten no response. I was a victim of fraud and I explained this to the company along with making a police report and sending in the police report information and it was rejected. Ive called on several occasions and no one has listened to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I have tried to close my Paypal account on several occasions. I should be able to close down an account. It is a bank, yet there is no way for me to make a stop payment or even write them. I want to send them a clear statement to close down my account. They are making charges using old information that I updated on my Patron page and I have stopped my XXXX renewal. Paypal still processes them. Then says I can not close my account because of a negative payment. It will not allow me to remove my credit card number, my address, my bank account information. This is my personal information. I have gone to my bank to make a stop payment for PayPal because PayPal 's abusive systems. My bank informed me that I could submit in writing a stop payment to PayPal, but PayPal has removed anyway to email them without going through an extremely confusing tree, that does not have what I need. I am frustrated and scared that this company can apparently do whatever they want to consumers. This is my personal banking information, I should have some rights. Please help. I have been trying to do this for a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 explanation
Consumer complaint received 2023-04-10 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: AL

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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

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 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 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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BofA has continuously charged me fees for random amounts despite my having paid off the statement balances, with no explanation. 
I want them to contact me directly with an explanation of their fees. 

Visa Signature Account # 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 monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loan care 's escrow department always makes mistake when it comes to property tax calculation. This is my 3rd time encounter the same problem with Loan Care servicing. They overcalculated the anticipated county tax of XXXX, they anticipated the county tax is the comination of the total tax bill, which resulting in a {$700.00} escrow payment increase in my next mortgage payment, this mistaken is totally not acceptable as this mistake will be causing us not being able to afford the house anymore because of their long overdue mistake inside the escrow department. 
Given my past experience fighting with Loan care 's incorrect escrow analysis, calling loan care 's customer service can do nothing to help with this issue as they either can not deliver the message correctly to the escrow department, or the escrow department doesn't even know what they need to do to correct the issue.

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 2023-04-10 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: IN

Complaint narrative:
I recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I have a Gemini Exchange Account, I sent bitcoin to. I got a confirmation from the block chain it was completed. 

I tied to sign into my gemini account and it wouldnt let me. 

I checked my enails from gemini and the had closed my account a week earlier. 

I have made attempts to reach customer support daily for 2 weeks and get no response. 

They only offer email support, I want access to my account to get my funds out of it. They are holding my funds and not allowing me access to my account, because no one has replied to my request. 

The reason they had closed my account is because tjey said i didnt keep my cryto in my gemeni account, using it for transactions. 

Ive emailed them 20 times in half of a month and i havnt got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

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. 

XXXX XXXX XXXX : XXXXXXXX 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 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 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
Consumer complaint received 2023-04-10 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: AL

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. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
On XX/XX/XXXX I mailed the attached letter to EQUIFAX. I have since called and spoke to 2 different people explaining to them that the 3 fraudulent accounts were all part of the data breach with EQUIFAX years ago. I read Section 605b of the Fair Credit Reporting Act to each representative and I explained that Congress passed this law to protect consumers like me from exactly what is happening to me. My identity has been stolen and several credit cards are fraudulently on my credit report and the consumer reporting agency has only 4 business days to delete the fraudulent information or account. Both representatives stated it was their internal rule that they had 30 days to finish the investigation and determine if they wanted to delete the fraudulent information. I once again explained that their internal rule at a consumer reporting agency can not supersede the law stated in Title 15 USC XXXX ( Fair Credit Reporting Act ) which was passed by congress originally in XXXX. I have attached many supporting documents such as my police report, FTC report, letter from the Attorney General of Florida as well as proof my identity was stolen in the data breach from EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 am writing to bring to your attention a fraudulent and/or inaccurate medical collection that has been reported on my credit score. I do not recognize this alleged debt and have not received any validation from the credit bureau as to who the original creditor is, the original account number, the amount of the debt, the date the debt was incurred, and why the original creditor or collector never pursued the collection directly to me according to the Fair Credit Reporting Act. 

I have taken all necessary steps to dispute this collection with the credit bureaus and have requested that they provide me with validation of the debt. However, to date, I have not received any validation from them at all. 

As a consumer, I have the right to accurate and truthful information on my credit report, and the inclusion of this fraudulent and/or inaccurate collection is causing significant damage to my credit score and my ability to access credit. The continued listing of this medical collection despite previous investigation suggests that Their procedures have not been adequate in this case.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Coast Acceptance Corporation
State: CA

Complaint narrative:
The original lender COASTAL ACCEPTANCE CORPORATION is reporting my account with an incorrect charged off balance of {$5900.00} and closed. This information is not 100 % accurate. The lender agreed in writing to a settlement amount of {$2500.00} after the debt was sold to remedy a portion of the balance. Additionally, the lender is reporting the monthly payments as late and the account has been closed and discharged. This does the greatest amount of damage to my credit report and credit rating.

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