vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: SC

Complaint narrative:
There are misspelled names, incorrect address, wrong DOBs and work places on my credit reports that i would like removed please and thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed

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 2022-07-11 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:
FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have made 2 payments, XX/XX/XXXX {$500.00} and XX/XX/XXXX {$100.00}, to Comenity and neither have shown up on my transactions. They have shut down their customer service via phone and I have also attempted to contact them via secure message center, once on XX/XX/XXXX, no response and I tried again on XX/XX/XXXX got a response of someone stating that they have not received the payments. I have attempted to call numerous times over the last week and a half with no answer from a human.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have no knowledge of this debt. Ive just seen it on my credit report but I never received a notification or verification. 

Account name MIDLAND CREDIT MANAGEMEN Status Collection account. 

Balance {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: EQUIFAX, INC.
State: NC

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 Account # XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have been paying on a closed account with XXXX XXXX with Comenity Bank since 2019 when XXXX XXXX closed their stores. I have never missed a payment, and have always made payments online. Last week I tried to access my account online to set up my XX/XX/XXXX payment. When I attempted to log in, I received a message about problems with full access to accounts due to a system update. It tells me I can still make a payment using XXXX XXXX, but since I no longer have an actual credit card, and only received statements online, I do not know my credit card number. This fact prevents me from setting up access to my account online. When I call to speak to customer service, I get no help at all. They either hang up on me or I can not understand them due to their accent. The last person I spoke to told me to try again next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: TX

Complaint narrative:
. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act XXXX account # XXXX / XXXX COMERICA BANK. Also, 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 state consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Fraudulent charges were made on my credit card ending in XXXX in XX/XX/2022, totaling nearly {$1000.00}. I reported this card as stolen and the fraudulent charges to Bank of America on XX/XX/2022. Case no. XXXX XXXX XXXX XXXX. I have contacted Bank of America several times since XX/XX/2022, to inquire about the status of their investigation and to get the charges removed from this now cancelled credit card. The Bank is not responsive and has turned me over to a collection agency. When I call to get an update on the investigation I am put on hold for over XXXX hours and I do not receive a call back. I have not received a notice from the Bank acknowledging my fraud claim regarding these charges. The Bank continues to charge me interest and fees on these charges. When I go into the Bank and ask for help they tell me to go to another Bank as they do not care. I am XXXX years old and I need immediate help with this 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 monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This involves an amount owed to my sons former apartment complex while he was in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. My son received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. My son is not familiar with the debt and taken off guard and he asked ProCollect Inc to call me as I was the guarantor for my sons lease. I spoke with a representative about the debt. He also demanded payment from me. I asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my son nor I have ever received any correspondence from ProCollect Inc. I told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. I then asked the representative again to mail me one letter to verify the debt and I would pay it off. The representative refused and stated he could not help it if the USPS did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my sons credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing XXXX disputes.

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have no knowledge of the account that was open in 2017 for amout of {$2100.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTEGRITY CREDIT CORPORATION
State: FL

Complaint narrative:
I recently applied for a mortgage loan on or about XX/XX/22 with Integrity Credit Corporation ( MLS ID XXXX XXXX XXXX ). During the origination process I detailed my employment and financial history prior to allowing for the brokerage to pull my credit report. I was assured that I could be placed in a loan product as I was already in contract to purchase my home. I was told to pay off over $ XXXX in personal debt in order to raise my credit scores and be eligible for their XXXX XXXX XXXX. At the XXXXXXXX XXXX recommendation I in fact paid off ALL of the recommended accounts as suggested. After 2 weeks of back and forth communication The XXXXXXXX XXXX processing staff communicated that I could not qualify with the income that was provided. The XXXX did not respond to calls, texts or emails when I expressed my disatisfaction with the discrepancies. I have sufficient income, assets, and now increased credit scores. Since the beginning I was pushed towards a higher priced loan option that clearly benefitted the mortgage company and not me as the consumer. In addition, the products that were presented almost 3 weeks after the loan application were 10 % below the promised loan amount financing of 80 %. During the entire process, I never received 1 LE or federal disclosure as required by Reg X, and Reg z. In the end, the XXXX XXXX tool was never used after all proof of paid accounts were provided to the Broker. This was a case of the old bait and switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX received a collection notice of a debt that I owe {$4200.00} plus {$640.00} totaling : {$4900.00} to XXXX XXXX XXXX purchased in XX/XX/XXXX. I have never ever had any dealings, accounts, or service with XXXX. My internet service provider is XXXX / XXXX and my wireless service provider is XXXX XXXX. In my XXXX  years of existence, I had never had any relationship with XXXX. Who, what, how my name was used to transact this account with XXXX, is beyond me. I suspect someone has committed fraud using my name and contact information. Now I'm dealing with the 3 Credit report agencies to have this cleared up. Put a dispute with the 3 credit reporting agencies as well as a freeze on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: CA

Complaint narrative:
I filed a dispute in regards to the unauthorized inquiries on my credit report. It has been well over 30 days and the investigation has not been completed. 

Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-07-11 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: MD

Complaint narrative:
In accordance with the FCRA XXXX account # XXXX, my rights have been violated 15 U.S.C 1681 section 602A states that I have the right to privacy 15 U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish account without my written consent Agency attached 2 hard inquiries on my report to which I have no knowledge, XXXX XXXX and 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 2022-07-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2022-07-11 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2020, I made payments on the XXXX app for Bank of America using the bill pay function. It thanked me for making the payments in both cases. However, unknown to me, the system didnt take the money from my checking account with Bank of America and apply it to the XXXX loan and the credit card as I was led to believe. I saw late payments on my statement and called in to find out that their system had an issue and didnt support that function. They told me that my credit repeat would be adjusted and not to worry. They lied.

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 2022-07-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX 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 2022-07-11 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: COMMERCE BANK
State: OR

Complaint narrative:
On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I had NO IDEA why. I did not apply for credit, housing or employment anywhere. This was fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX During the past XXXX XXXX months XXXX Commerce Bank XXXX XXXX has promised and promised and promised to REMOVE THE CREDIT INQUIRY they put on my credit file XXXX XXXX XXXX. But it is still there as of today, XX/XX/2022. I have attached two letters from COMMERCE BANK XXXX XXXX saying they will remove the inquiry but nothing has happened. I don't know why they keep promising to remove it but fail to do so. 

What should I do besides submit more complaints!?! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Access to my Fifth Third checking account has Ben blocked since Thursday XX/XX/XXXX and Fifth Third bank representatives have been very unhelpful in figuring out why this is. I have o access to my account at all! I cant view my balance, make or transfer payments and I am on hold for an average 1 1/2 hours just to be transferred to another rep that asks me the same questions yet is un able to help. At this point I just want to close my account and get all my money out. Fifth Third is the worst Financial Institution Ive ever dealt with, the customer service is non existent and they are terrible with communication amongst customers and each other. I wouldnt recommend this business to the worst person in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: AZ

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00}

Company response to consumer: Closed with explanation