vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX  Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/2022, I logged into my XXXX bank of America account to find that there was XXXX transactions on my account that were NOT authorized. I called Bank of America XXXX support to dispute all transactions. Bank of America rep proceeded to tell me that my money " might '' be refunded. Claim ID is XXXX. Claim was submitted on XX/XX/XXXX for the amount of {$2800.00}. I have a mortgage to pay and bank of America is not giving me any updates or any refund for money that was stolen out of my account and now I will be unable to pay essential bills and living expenses. I would just like my money refunded so i can pay my bills.

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 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
My account was highjacked and I had XXXX stolen from my checking account. My cellphone along with my debit cards were taken and used in tandem to access my accounts and money was transferred from my checking account into my credit builder account were the money was then accessed.. I did not have a debit card for my checking at the time and the only way to access the money was to transfer it into my credit builder account. I have made a police report and submitted statements from friends and family. Chime claims no error was made. I've tried contacting the merchants as well with no success. Each told me to work with my bank to receive a refund...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: MD

Complaint narrative:
I have been trying to pay my XXXX XXXX and my XXXX XXXX XXXX  XXXX credit card payments since XX/XX/22 and have not been able to login to the website, contact them by phone ( the recorded message just tells you to call back at alter date ) or use the XXXX they have said to use. First I kept getting a blank screen, then when it did come up, it said it couldnt locate my account information. I have tried every day since and I have also posted to their XXXX page and received the same message they are sending everyone else. Here is what I copied from that response : We know the recent system outage has been frustrating and we will work to ensure a fair resolution for impacted customers. Were waiving late fees for customers whose payment due date fell between XXXX XXXX XXXX. Those customers inability to make a payment will not affect their credit score. In the event outages impacting customers ability to make a payment extend beyond XX/XX/XXXX, we will extend the late fee waiver and the pause on credit reporting accordingly. We will continue to work on restoring your ability to manage your account the way you want, and deliver the quality service you expect. Additionally, we're experiencing higher than normal call volume, but our representatives and automated systems are working hard to take all calls that are coming through. Please try calling us again at your earliest convenience to submit your payment. Thank you, They say this is a result of a system update but I never received a notice of an update and the only notice of an outage or update on this outage I have received is from XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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:
XX/XX/XXXX I attempted to make my monthly payment through the Victoria Secret App and was unable to do so. Through the app it was acting like it was continually loading so I closed out and reopened multiple times. I kept getting an error code each time I used the facial recognition to log in. 
XX/XX/XXXX I attempted to log in to the card section once again through the Victoria Secret App to make my payment and I was unable to do so again and it kept giving me an error. 
XXXX I once again tried to log in through the app to make my payment and the XXXX XXXX XXXX tab was no longer showing in the app. I got on XXXX and learned that there was an update to the Comenity banking system that I was not notified about and learned that people everywhere have been unable to access their accounts let alone make payments. Comenity is telling people to use their easy pay option through their website which is also down at this time and all customer service numbers are completely down. 
XXXX I tried using the easypay through Comenity website and it says it is unable to locate my account. I dialed the card service number on the back of my card and it gave me an option to look up my account. I enter red my information then the auto service stated unplanned outage and then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights 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 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted 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 non-monetary relief
Consumer complaint received 2022-07-02 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:
In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights 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 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Phoenix Financial Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of ( {$830.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: OH

Complaint narrative:
They are attempting to collect a debt that doesnt belong to me. They are demanding immediate payment from me without providing any proof they have the right person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXXXXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, Has violated my rights XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( XXXX XXXX : XXXXXXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : 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 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 2022-07-02 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: KY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been at Citibank For over Several Years and During Pandemic Crisis in 2019 I had Submit to a financial Institution to Prove My addrees and was rejected Because they blocked my account online. I went to their branch in XXXX XXXX at XXXX and inform the teller that my intention is to close the account and Draw My {$600.00} Balance. The teller requested to call XXXX and I was on the phone for over XXXX hours with the Fraud prevention dept they denied me to close the account and withdraw the {$600.00} and refused even to mail me a check to the address on record which I do receive my monthly statement. Account # XXXX. I had even offered to transfer it to my saving account with them because that account is not blocked unless they will block it later.

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 2022-07-02 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: CA

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX, about repeatedly writing to transunion fraudulent inquiries on my credit report. As of today all of those fraudulent inquiries have been removed except for three. XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX and XXXX XX/XX/XXXX. I spoke with transunion fraud department today about those three fraudulent inquiries left on my report and was told I did not include them in my complaint filed on XX/XX/XXXX,...... please see complaint

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 2022-07-02 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: MI

Complaint narrative:
Can not access online accounts for several credit cards through Comenity BankXXXX XXXX XXXX XXXX used anywhere, but also store cards for XXXX XXXX and XXXX XXXX I spoke with a representative, XXXX, on Thursday XX/XX/XXXX. I was told the company was aware of the problem and that the website should be working within 24 hours. It is now XX/XX/XXXX and I still am unable to access my accounts to verify any transactions or to make any payments. The company suggest using easy pay option, but with paperless billing for 2 of the accounts, I do not know my account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 XXXX XXXX Bank Account Number # 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 explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
These medical bills were never submitted to my insurance. I opened a ticket with my insurance company, XXXX XXXX XXXX XXXX, and shared it with the collections company. I have told them numerous times that XXXX has no record of the charges and they need to be resubmitted. The collection company refuses to engage or do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: KY

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: KY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below

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 2022-07-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account Number # 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 2022-07-02 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account Number # 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 response to consumer: Closed with explanation