vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Kohl 's Credit Administrator XXXX XXXX XXXXXXXX XXXX, WI Customer Service XXXX XX/XX/22 : Order # XXXX ( Rice cooker order made and assisted by XXXX XXXX Kohl 's Customer Service Person ) I purchased a rice cooker with a new credit card that was offered thru Kohl 's. However, Kohl 's customer service person ( Rep ) stated the order got cancelled by the Kohl 's system. Few days later, I received the charge card statement amount of {$370.00} while I still haven't received a rice cooker. 

On XX/XX/22, I called and talked with Kohl 's Rep, stating the order had been cancelled by the Kohls system and she reordered this rice cooker and followed an email stating the rice cooker was ready to ship. 

On XX/XX/22, I called and talked with Rep, and he said, XXXX XXXX time required and asked to wait until XXXX. 

On XX/XX/22 I called and talked with Rep, she said, no delivery activity being shown in Kohl 's system as she stated. She can reorder or I cancel the order and refund. I was very disappointed at this point. I requested a cancel the order and a refund to my account. I feel like this was a scam deal. 

On XX/XX/22 I noticed on Kohls website, charges still on my Kohl 's credit card. I called and talked with Rep. again. She said, Congratulations, all charges on my account have been removed and it takes effect within 7 days. I also asked to cancel my Kohl 's credit card. 



XXXX XXXX. I received a phone call and left a message saying my Kohl 's credit card payment is late. Call back XXXX. XX/XX/22 I called and talked with Rep. She can not help me with this matter. 

Please help me to resolve this matter Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX Cel : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 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: VA

Complaint narrative:
I have two issues with this bank that goes into the quality of Comenity Bank 's ( " the bank '' ) internal controls : ( XXXX ) I rendered a payment of the statement balance via my bank 's bill payer account. Even though the payment was delivered last week, the bank alleges non receipt while all of the other accounts had their payments applied properly. I was forced to reissue the payment and have my issuing bank stop payment ( fee of {$35.00} ) and reverse the payment. ( 2 ) Comenity acquired my XXXX XXXX account from XXXX XXXX XXXX. Although the bank alleges that the card had been issued, it was shown that this had not occurred - requiring a reissuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an acceptance now account for the amount of {$2100.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XX/XX/XXXX, XXXX  XXXX XXXX  for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX for XXXX amount of {$240.00} opened XX/XX/XXXX and XXXX XXXX XXXXXXXX opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXX  date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX and XXXX XXXX XXXX/AIDVANTAGE Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted PNC and XXXXXXXX XXXX  both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, PNC approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: OK

Complaint narrative:
In 2018, I signed a TRAP agreement with XXXX XXXX in order to get my XXXX. The agreement was that I work for them for a year and owe nothing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened at the XXXX XXXX in XXXX, CA in XXXX of 2018 in a public area and was in fact filmed from multiple directions with audio. I attempted to file charges but the other employee said he was trying to help me because I tripped. I didn't trip. Cameras confirmed that. I reported the incident the next day and XXXX XXXX did nothing. I quit because I did not feel safe and discovered that because I left before the agreed time that they put a NEFR on my record and have put a derogatory mark on my credit. I do not feel that it should be legal for a company to ignore blatant safety issues that are on record nor punish an employee for leaving when they feel their safety is in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 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 2022-12-02 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: AL

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 has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: AL

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 has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went to the Truist Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX location to get Notary with my wife and I was discriminated that because of my accent or appearance the Bank gives free notary for all his customers in front me other customers they get free Notary. 
By name XXXX XXXX XXXX she did the notary for us and she ask us to pay {$5.00} and I ask her why? she did not ask us before she did the notary she said that we have to pay and we said that we will pay you but we we would like to get receipt and said ok she took the cash and went to the front Clark area she brought a donation receipt and I asked her I am not willing to give donation by force I need legitimate receipt. She snatched the receipt from my hand and she gave me the money. 
It is not the matter of the money I felt that I am discriminated by Truist service and it fraud done on us by Truist Bank. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a dispute to all three credit reporting agency and the results are as follow XXXX- the dispute was open on XX/XX/XXXX they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account XXXX XXXX the account as of XX/XX/XXXX which was original closed in XXXX of XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

XXXX is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted a dispute to all three credit reporting agency and the results are as follow Experian- the dispute was open on XX/XX/XXXX they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account XXXX reopened the account as of XX/XX/XXXX which was original closed in XXXX of XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

Experian is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.

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 2022-12-02 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: AL

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 XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2022-12-02 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: AL

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 has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-12-02 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: AL

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 has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-12-02 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: AL

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 has violated my rights. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX  # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC - {$860.00} I have disputed this unknown Debt with both the Collection Agency listed above and the original debt owner/ issuer listed on my credit report. 

I

Company response to consumer: Closed with explanation