vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received multiple collection calls in reference to a Victoria Secret credit card account that was discharged in a bankruptcy more than a year ago. The first call I accepted and actually had interaction with someone was on XX/XX/2022 at XXXX XXXX  and it lasted for 6 minutes. The second call was on XX/XX/2022 at XXXX XXXX. On this second call is when I called back and asked to speak to a supervisor to find out how they obtained the information and was hung up on. I requested to put in a complaint and my number was blocked twice. The first employee I spoke to was XXXX. They stated that the companies name was XXXX XXXX XXXX on behalf of Commenity and Victoria secret.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I Filed a complaint with a supervisor about violations of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. a representative of the company called my father who is an account holder with the company and disclosed information about the account without my consent. I was told the supervisor would investigate the complaint and that I would receive correspondence but I did not.

Unauthorized Sharing of Information : Violations may occur if a financial institution shares a consumer 's nonpublic personal information with nonaffiliated third parties without obtaining the necessary consumer consent or without complying with the opt-out requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: MD

Complaint narrative:
XXXX and Transunion continue to violate the law and my rights by not properly investigating information that remains on my credit report. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, the law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-08-06 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: PA

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  XXXX7 , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX  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 explanation
Consumer complaint received 2023-08-06 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: Self Financial Inc.
State: GA

Complaint narrative:
I have SELF LLC. Secure credit card which is reported negativity on my credit report as past due. I only am able to assess funds that I deposit a making it a secured credit card .no Credit was giving to me this is a credit builder account which states one can canceal at anytime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Two  months ago I found out that there was a Wells Fargo credit card in my name with an approximately {$2000.00} balance. I contacted them. I was told a case would be put in place, no one ever responded. A month later I contacted them again. I was told that this was a card that was transferred to Wells Fargo from a company called XXXX XXXX XXXX. I explained that the balance on my XXXX XXXX XXXX  was approximately {$200.00}!!!! They told me I had no recourse. I complained. My case was transferred to the Executive Offices and given to a representative named XXXX XXXX at XXXX. I began to call XXXX XXXX every day for over 10 days, the last few days I called her a couple of times each day. She never called me. She sent me an email in a private message area of their bank and said that I did in fact owe this money along with all fees, interest and missed payments. If I HAD NO IDEA I had an account with this bank HOW CAN THEY CHARGE ME FEES @!!!! In that letter is sounds like she refuses to budge on her statements. At the same time, she did not address ANY of my issues at all and just said " this is your balance '' basically. Further, I have sent emails, contact us things and even chatted with people on XXXX XXXX. I have begged for a phone call back from someone. To date, no phone call from anyone. This is absolutely 100 % WRONG! And, not only did I beg her to help me by transferring this inaccurate balance into a GL account at the bank until they can figure it out. I also begged her to not charge me any more fees and that I am in the process of buying a house so negative anything on my credit report is a huge problem. She refused to address any of this! Just FYI, when I called the customer service folks, they confirmed for me that they have heard these horror stories from other XXXXXXXX XXXX customers. There was a lack of communication and many many problems. At this point in time, because of Wells complete and utter lack of concern for the customer, I will not be paying any of this card UNTIL they fix the balance back to what it was when it was at XXXX which was about {$200.00}. The card is in my married name, I was recently married. It is under the name XXXX XXXX. I have the correct address on this complaint now. For some reason, I created this user ID before I was married for some reason so it shows XXXX XXXX and would like this changed on your site, if possible. The card is in 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 explanation
Consumer complaint received 2023-08-06 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-08-06 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: DE

Complaint narrative:
Greetings to Whom It may concern I am submitting this CFPB Complaint for the 2nd complaint # reference XXXX to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Equifax, Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft : Equifax : XXXX, XXXX XXXX XXXX, XXXX XXXX, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus such as XXXX, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After filing a dispute on my credit report for an account XXXX and or XXXX XXXX Ive noticed discrepancies being reported on all three credit bureaus this account was settled and paid but shows different balances for each credit bureau for the same 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 explanation
Consumer complaint received 2023-08-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After filing a dispute on my credit report for an account XXXX and or XXXX XXXX Ive noticed discrepancies being reported on all three credit bureaus this account was settled and paid but shows different balances for each credit bureau for the same account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
My identity was stolen as a result several accounts have been opened in my name without my consent or knowledge. I have submitted disputes and provided police reports and the accounts are still negatively impacting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023 at around XXXX I was at the STATE EMPLOYEES CREDIT UNION ATM at XXXX XXXX, XXXX, NC XXXX. I went to deposit {$1.00} into my checking account to make sure it works and it took it so I deposited {$1100.00} and the screen shut down and dispensed ONLY XXXX {$1.00} bills back which were the bills I had just put in but never deposited the money into my account and then the screen said no cash deposits at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: MA

Complaint narrative:
I am writing to submit a formal complaint against Equifax in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from Equifax. The following are the details of the disputed accounts and the required corrections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late, and I insist that Equifax immediately removes the late payment status associated with this account from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account with XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: TX

Complaint narrative:
Previous complaint submitted on case # XXXX Transunion and previous complaint submitted on case # XXXXno investigation was ever conducted. the matter was closed premature and without consideration to the violations of my rights to have my credit information to be reporting accurately. 

The complaint previously submitted with concerns of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Was never investigated, and remains negligently reporting inaccurately on my credit profile. 
1. I have summited evidence XXXX was reporting inaccurate by a payment history statement from their system. 
2. I have never borrowed any money from XXXX XXXX, XXXX is not even a lender. My promissory not clearly states the lender I borrowed from was ( XXXX XXXXXXXX XXXX ) If an investigation was conducted, XXXX and Transunion they would have notice that loan was paid in full two month early from my contract expiration date. 

I opened the Loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 which makes it impossible for me to have accrued a late payment in XXXXXXXX XXXX therefore XXXX just changed the inaccuracy from XXXX to alleging XXXX. 

I submitted proof that XXXX XXXXXXXX XXXX contract is legally voided due to their willful violations of the Military Lending Act. I submitted proof the XXXX XXXX bank themselves voided the contract and changed the terms due to their violations of federal Law.

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 2023-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I created an online account and supplied information including my bank information to avail of Pangea Money Transfers introductory exchange rate. I received several messages including a confirmation of my money transfer. A withdrawal was immediately taken from my bank account. 

However, I received another message after the confirmation earlier, asking for more information in order to complete the money transfer by calling their ( XXXX ) number. A recording said that their office is closed for the night. 

An email was sent this time, informing me that the money transfer has been canceled and the refund will take days to process back to my bank account. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: IL

Complaint narrative:
XX/XX/2023 I filed a dispute with the credit bureau about a bankruptcy listed on my credit report. The credit company explained that the bankruptcy listed was provided by the circuit Court. I wrote to the circuit Court clerk and they sent a letter stating that they did not give my information to a credit reporting agency. I sent a letter to the credit and provided them with a copy demanding they remove the it. They violated my rights under the permissible purpose law and also violated my rights as a natural person. I would like for this item to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: IL

Complaint narrative:
XX/XX/2023 I filed a dispute with the credit bureau about a bankruptcy listed on my credit report. The credit company explained that the bankruptcy listed was provided by the circuit Court. I wrote to the circuit Court clerk and they sent a letter stating that they did not give my information to a credit reporting agency. I sent a letter to the credit and provided them with a copy demanding they remove the it. They violated my rights under the permissible purpose law and also violated my rights as a natural person. I would like for this item to be removed from 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 2023-08-06 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: MA

Complaint narrative:
I am writing to submit a formal complaint against Experian in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from Experian. The following are the details of the disputed accounts and the required corrections : 1.Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit  : {$800.00} The account with XXXX is not mine, and I request Experian to remove it from my credit report immediately. 


2. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8800.00} The account with XXXX  is not mine, and I request Experian to remove it from my credit report immediately. 


3. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Original Creditor : XXXX The account with XXXX  is not mine, and I request Experian to remove it from my credit report immediately. 


4. Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Original Creditor : XXXX  The account with XXXX  is not mine, and I request Experian to remove it from my credit report immediately. 


5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$8400.00} The account with XXXX XXXX was never late, and I insist that Experian immediately removes the late payment status associated with this account from 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 2023-08-06 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-08-06 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: NV

Complaint narrative:
UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) requested verification for months.Still have nor recieved verifiable proof. Please delete requesting via mail will attach identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had an issue with Bank of America in XXXX to XXXX with the over draft fees, this one The other one they make me lose my home and sold at lost in XXXX I cant get back to my account to get details, cause I want to lawsuit them But of course they wont get me back to it

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