vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Inaccurate  reporting showing different dates of last activity, also showing different dates of opening and last dates report on all 3 major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the CRSA enacted XXXX  Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my 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 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I deposited a check in the amount XXXX into my bank and was told there was no hold on the check woke up on XXXX and the money was deposited and then removed from my account called bank of america as to why the hold and they couldnt give me the reason as to why which by federal regulations they need to let me know and they have not the supervisor would not tell me why the hold is on the check except that it protects me it is an on going issue that is happening on my account they told me the hold will be released on XXXX 12 days to clear a check in the electronic world these days is crazy im tired of going through this with bank of america there are federal guidelines that need to be followed

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 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a product online from a company called XXXX XXXX -- at the time the company 's website was active at XXXX. The site uses Afterpay, a buy-now-pay-later type of website to process the customer payment. 

After the purchase, I started researching XXXX online and found multiple consumer complaints that items were purchased but never delivered, often in the hundreds of dollars, and that the company would never respond to inquiries requesting a status or purchase update. 

I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding that the order be canceled and my initial XXXX of XXXX Afterpay payments be refunded. Concurrently since XX/XX/XXXX, I have at least XXXX back-and-forth emails begging Afterpay customer service for a refund due to the fraudulent transaction. At every step, Afterpay refuses to resolve the matter, only providing vague updates that their merchant business unit is looking into the matter. I have demanded but been denied an opportunity to speak directly by phone with a company representative to explain the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am the primary card holder on a my BJ 's Credit card formerly issued by Comenity bank but now Bread Financial. My spouse is secondary owner and his credit card expired in XXXX. I've been trying to get a new card for him since XXXX with no success. 

Initially my spouse submitted his request on the credit card website to which they said it would take 7-10 days to get to, unacceptable considering the urgency of the situation. 

Then I called the company directly on XX/XX/22 spoke with XXXX who informed that the case is currently being worked on per the website submission. She provided a case id # XXXX and name of case manager XXXX XXXX. 

Meanwhile had received a call that was traced as coming from Bread Financial, no message left. When I returned the call after determining it was Bread Financial I was told there was no record of any calls coming from them. 

On XX/XX/22 called again, this time spoke with XXXX and requested escalation to which I spoke with XXXX in escalations. He informed that we would have a card in XXXX hrs. Never received. I asked him for a confirmation # for call and he said there was none. 

I called again on XX/XX/22 and escalated to XXXX again and he informed he submitted the request and it would be received on Saturday. He assured that the card was sent out on XX/XX/22. 

My mail has already been delivered for today and yet to received the card. Called again today and spoke with XXXX in escalations who informed a new card has been ordered and should be received on Tuesday. He provided a conf # XXXX 

I had no complaints when my card was with Comenity, but this new transition to Bread Financial is horrible. This situation is overly complexing my spouse life as he uses that card quite regularly as a business man.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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: 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 XXXX  XXXX : Account Number : XXXX, 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 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 2022-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX of XXXX XXXX sent my loan to BSI illegally with no notification ( XXXX ). When doing so they reported illegally a late in XX/XX/21. In XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have illegaly held my funds paid. I received email XX/XX/XXXX from XXXX XXXX at Directors she stated I was late. I sent all bank statements in. They then turned and said they do not represent my loan. Then why did you contact me? They forwarded me an email from XXXX XXXX at BSI, he states they sent mail but it was returned. I asked for proof ( never provided ) they also increased my account without proof or notification. With that they report to credit bureaus late illegally. XXXX hours I have spent calling, emailing trying to get this fixed. I have been verbally assaulted by XXXX XXXX, disparaged, slandered, defamed and he shared my personal information with outsiders ( illegal ). XXXX at BSI told me my account was always current no issues ( I have recorded ) her supervisor XXXX XXXX told me on XX/XX/XXXX that it was being fixed with credit bureaus. I asked again for the letter and again no response. I then receive email from XXXX XXXX at Directors stating the opposite. However how could she say that if they do not rep my loan? Then I have a text from XXXX XXXX owner of Directors that they do. They have violated so many laws to entrap and extort fees so you can not refinance. The vexatious behavior with malicious intent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C System is collecting on a XXXX account in the amount of {$1700.00}. I noticed this on my credit report and I hadn't receive a notice. I called the collection agency on XXXX spoke with the first rep XXXX employee # XXXX XXXX was requesting a validation of the debt since it was in collection. He stated that he couldn't provide validation of debt he could only provide a verbal authorization, the second rep I spoke with XXXX employee # XXXX and she pretty much said the same thing. I then sent 3 letters certified. The first on XX/XX/2022 asking for validation of debt and another on XX/XX/2022. The last one was on XX/XX/2022. Attached is the information from the debt collector which is uploaded. The collection agency did not follow the XXXX notice of debt validation on the letter sent from them on XX/XX/2022. Please review. 

clear for me to understand ; I was also told to print the information off on their website which I provided a copy of. The name they have is XXXX XXXX it supposed to be XXXX XXXX XXXX That was another issue that isn't followed on the cfpb guidelines and there was not an itemization of a letter sent to me from the company per the model that wasn't followed

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 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received the official XX/XX/XXXX denial letter of claim XXXX and the evidence provided by BofA is false. I have never transacted business with a XXXX XXXX nor did I authorize the transaction on XX/XX/XXXX. Furthermore ; the IP address provided is not my IP Address. I have done my own research and the device info used to make these purchases DOES NOT belong to me ; it is not my devices serial number or IMEI number. I do not have an XXXX account and all other purchases from this account, on both my BofA credit card and XXXX by XXXX XXXX credit card, were determined fraudulent. I have documented proof of an email I sent in XXXX to built by bees making them aware of this fraudulent purchases. They responded on XXXX stating they would correct this fraudulent purchase and refund me. 

I will be notifying the FDIC, CFPB & the FEDERAL RESERVE of this falsehood.

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 2022-11-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-05 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit Management composed a letter XX/XX/2022 stating that they had acquired an account from a company that I owed. Midland  violated my rights according to the Fair Debt Collection Practice Act because they did not include in that letter, nor did they send a letter within 5 days that stated : Section 15 USC 1692g ( a ) ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor I have enclosed proof of that letter. 
I, in turn, sent them a letter stating that they violated my rights and what section that they violated. They sent me another letter and that letter also did not have those REGULATIONS. 
This company is not abiding by the law and they continue to contact me, despite breaking the law. 

Date of first letter Midland Credit Management sent : XX/XX/2022. 
Date of letter that I sent to them : XX/XX/2022 Certified receipt from post office shows me mailing the letter on XX/XX/2022. 
The signed for the letter on XXXX. 
Date of second letter from Midland : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Account # XXXX On XX/XX/2022, I sent a Debt Validation Letter ( see attached ) to Portfolio Recovery Associates LLC in response to a statement I received from them concerning a debt they were attempting to collect. Portfolio Recovery Associates LLC has not sent any documents I have requested in order to validate the alleged debt. I have only received statements from Portfolio Recovery Associates LLC, which consists of addresses I have never lived at and accounts that do not belong to me. I received these statements by mail on XX/XX/2022. I requested evidence to validate the alleged debt, specifically documents that bear my signature and other documents listed in my debt validation letter.I have not received sufficient evidence or any of the documents I have requested from Portfolio Recovery Associates LLC regarding validation of the alleged debt. I have never had a relationship or contractual agreement with Portfolio Recovery Associates LLC and I am not responsible for the account they are referring to. The account does NOT belong to me. Portfolio Recovery Associates shall NOT report information to any consumer reporting agency using my personal information. Any previously reported information relating to me must be deleted from my credit report effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05 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: CA

Complaint narrative:
I have an XXXX XXXX XXXXI call every month during the first few days of the month and I ask for my entire balance .When I receive the amount from the customer service representative, I pay that amount. I pay in full each month. On XX/XX/XXXX I called and was given an amount of XXXX, which I paid in full. ( KEEP IN MIND A MINIUM PAYMENT WOULD BE XXXX ). On XX/XX/XXXX, I called XXXX and was immediately asked if there was something going on in my life which caused me to be late in XXXX. I was shocked because I know I paid this account on time and in full.The account is due on the XXXX of every month however I pay between the XXXX and XXXX of the month, ( early ) .I asked the representative to please check the account because I was not late and paid XXXX. She checked and told me the XXXX was paid and on time but there was XXXX that was left as a balance. She discovered that in XXXX my whole balance was XXXX not XXXX. I then ask her how it is considered a late account when I paid XXXX the XXXX would be carried to XXXX. She could not explain why it would be considered late.I then discovered a late fee of XXXX was added to my account for the XXXX. The company did reverse that however on my credit report they hit me with a notation of lowering my credit limit which effected my score. I have had identity theft in the past and i am trying to build my credit.this is wrong and totally the companies fault.They attempted to charge me falsely and lowered my credit limit as if I didn't pay on time, it effected my score. This is fraudulent practice. I CAUGHT IT this time.This company should be investigated for illegal practices to there customers.What can you do?

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 2022-11-05 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX # XXXX Inaccurate reporting showing different dates of last activity, also showing different dates of opening and last dates report on all XXXX major credit reporting agencies. 
account showing a past due amount of {$490.00}. 
why is this account being reported inaccurately. 
this is a violation of the FCRA section 15 use 1681 2 ( a ) ( 1 ) ( F ) and is also in violation of requisite METRO2 Compliance implemented with the XXXX enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my 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