vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I requested that ARS, Advanced Resolution Services , Inc. put a security freeze on all of my information. I had problems getting them to cooperate. Finally, on XX/XX/2022, via a series of emails, they acquiesced and put a freeze on my information. Then I received a letter stating they were refusing until I provided them, once again, with proof of my identification ; they included : name, address, phone number, social security number, and copies of my state ID and SS card. They quote CA law that I believe is moot due the FCRA. I do not think I should have to provide this sensitive information. Furthermore, I have copies of the email series, their letter, and other documents that I can provide. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: Self Financial Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account XXXX. Self Financial Inc XXXX. XXXX XXXX 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 2022-09-05 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: MD

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 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 2022-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Escrow and Title Services, Inc.
State: MI

Complaint narrative:
Complaint against Bell Title Agency and demand for Evidence of the payment to XXXX XXXX XXXX on my behalf. 

Dear CFPB, please find my complaint against XXXX XXXX XXXX and Bell Title Agency and my demand to produce me proof of wire transfer receipt to evidence Bell Titles payment to XXXX XXXX XXXX on my behalf, from my alleged loan with pretender Lender XXXX Mortgage. 

On XX/XX/XXXX I had a closing with Bell Title XXXX XXXX XXXX XXXX who was my closing agent. 

According to Bell Title agent XXXX XXXX, Bell Title allegedly received wire transfer from XXXX Mortgage as my loan and presumably made a payment on my behalf to the sellers alleged lender XXXX XXXX XXXX for his $ XXXX mortgage in XXXX. 

However, XXXX XXXX apparently has absolutely NO records or any proof of any money received from Bell Title or anyone else neither on XX/XX/XXXX or any other time. 

On XX/XX/XXXX XXXX XXXX team informed me that they received enough money sometime in XX/XX/XXXX (! ) but failed to identify when, who much and from whom XXXX XXXX received these money. 

On XX/XX/XXXX XXXX XXXX team asked ME to provide them evidence of payment on my behalf! 

I can not provide them any evidence of payment on my behalf since it was allegedly made by Bell Title who refuse to provide me any evidence of receipts of wire transfer from XXXXXXXX XXXX  or any receipts of wire transfers from Bell Title to XXXX XXXX on XX/XX/XXXX or whenever Bell Title send these money to XXXX 

I demand Bell Title to provide me proof of receipt of payment on my behalf to XXXX XXXX XXXX, when exactly this payment was made ; who sent this payment to XXXX ; and how much money was sent. It must be a copy of wire transfer, or cashier '' s check or ACH ; and the warranty of payment by Bell Title 's responsible officer who made this payment. 

I demand XXXX XXXX XXXX to obtain proof of wire transfer ( ACH, cashier 's check ) receipt from Bell Title sent to XXXX on my behalf and provide me a copy of this receipt since Bell Title never provided it to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence resource management furnished an account in my consumer reports that they brought from XXXX XXXX XXXX that is not mine. I sent them my identity theft report as well as my identification letting them know this isnt my account. They have not stopped reporting this account to my consumer reports which is causing harm to my reputation. I did not consent to this reporting. This is unfair and inequitable to me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, I have 3 unauthorized hard credit inquiries on my latest Experian credit report that I would like removed as soon as possible. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible as they are damaging my ability to obtain new credit.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian charged my account without my providing them with my debit card or banking account information!!!! I want to know where they got my banking information from in order to charge my account without a request or my authorization?!!! 

This was done electronically and it is very scary to know that a company can just go into my account without my providing the banking information and authorization.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the bankruptcy listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this information listed below. 

XX/XX/2017. Reference # XXXX. US BANKRUPTCY COURT-TAMPA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, 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 non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + Equifax, I am writing in to update my correct address on file with Equifax and to have all other non correct addresses removed : attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Equifax where these are located Please have this updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
In XX/XX/2023, I applied for a Discover credit card. Discover verified all my personal Information which was confirmed by my credit reports and Discover approved me for a {$2000.00} line of credit. Here is were it gets very interesting : Less than 2 months later, on XX/XX/2023 Discover closed my account, I received a letter which is attached to this complaint stating : " As a result of a recent review we have closed the account above : '' We have taken this action because we were unable to verify personal information on your account ... '' If Discover verified my personal information previously what other information could they possibly be referring to? This seems to be a security issue for me which is impossible to address unless Discover provides the specific " PERSONAL INFORMATION '' they were unable to verify months after they seemed to have verified it. I am requesting the Exact/specific Personal Information Discover claims they could NOT verify so that I may take the proper steps to protect myself. If Discover can not provide that information it is clear they closed my account for other reasons that very well may be discriminating. At which time I will file a civil suit and we can go through the discover process. Further, by closing my account and reporting this account as " Closed by credit grantor '' has a NEGATIVE impact on my credit report causing me harm for the next 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, I am writing in to have my address corrected on my Experian credit report and all other incorrect addresses removed. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have this updated as soon as possible

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 2022-09-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, 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 non-monetary relief
Consumer complaint received 2022-09-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
My employer deposited my check into my Chime checking account. Within hours XXXX froze my account and requested documentation. I called in and funds were at XXXX and I could not get any answers. Finally I was told that I needed to send in my id and social security card and that it would take XXXX business days. Several days have passed and I still have received no response from the business and they still have all my funds. I have called customer service and they just keep telling me to wait 2 days on top of the days I have already been waiting. I then ask to speak to a supervisor and the supervisor just states the same thing and indicates I can not be transferred to said department, the can only way this department can be contacted is by email. I had been using this account for several months, and hours after my deposit Chime decides to just freeze account with no legitimate explanation. Upon review, Chime does have several complaints with bbb and other organizations for similar shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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:
CFPB + Equifax, I am writing to have 2 unauthorized hard credit inquiries removed from my credit report. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots where this is located Please have these 2 unauthorized hard credit inquiries removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: AZ

Complaint narrative:
Comenity bank XXXX card, has locked my card for fraud, I explained no one has used my card and was willing to verify purchases through receipts, no one can get through on the phone been calling XXXX times to be on hold for a few hours with out anyone to help me, also contacted the XXXX  and they are unwilling to help, left messages on my credit card online account and they refused to help, just told me to call the number which no one can get trough to. Also lost some rewards I accumulated because card is frozen. I make all purchases and account is paid. I'd like to be able to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
Excessive phone calls during and outside of business hours, has called MY EMPLOYER multiple times to leave messages as well which is illegal and embarrassing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, There are 2 hard credit inquiries that I do not recognize and would like investigated and removed from my credit report.

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shot where these are located Please have these investigated and removed as soon as possible

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian, On my latest Experian credit report I see 4 unauthorized credit inquiries I would like investigated and removed as I never gave permission.

- my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible.

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 2022-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: DE

Complaint narrative:
I paid my account in full, and have the receipt and proof of this account being closed. It is still being reported on my credit report, and I wish for it to be deleted immediately. Creditor : XXXXXXXX XXXX Debt Collector : XXXX XXXX XXXX Amount : {$99.00} Account number on XXXX : XXXX Still no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIGY USA CORP.
State: NJ

Complaint narrative:
My credit card was used in XXXX when I am not in the country me and my family was out of country from XXXX XX/XX/XXXX .I came back in XXXX XX/XX/XXXX XXXXAfter some time I received calls and notices from debt collectors I wrote to them that this is not my debt I want to start the dispute because this was happened when I was not in the country. 
Original creditor XXXX Original creditor account number XXXX Date of charge off XXXX XXXX Current owner of account XXXX XXXX XXXX XXXX Current balance {$7900.00}

Company response to consumer: Closed with explanation