vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 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: SC

Complaint narrative:
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 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 In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2022-07-30 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: SC

Complaint narrative:
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 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 Mortgage Companies - Credit Union In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying since XX/XX/XXXX to get access to my Equifax credit score. I was trying to finance a car and was made aware my Equifax was frozen or locked. I have never locked my credit score or put a freeze. I was unable to log in and called customer service. They informed me I would need to mail in a cover letter with my issue, along with a copy of my ID and a copy of my SSN. I mailed it to XXXX XXXX XXXX XXXX XXXX. I got a response stating they could not verify my identity and I needed to mail in additional documentation ; which I did! From then, no response. I called and they attempted to help me but couldnt resolve the issue. I was told over the phone they would get back to me within 72 hour business days. Never heard back. I again followed up and I was told I needed to resubmit documentation, as they do not have my initial documents anymore, they dont keep them longer than 60 days. So AGAIN, I re submitted documentation in XXXX of XXXX, and AGAIN no response. I followed up within 14 business days as I was advised and they again and again never received my documentation per customer service. I even faxed my paperwork to them hoping it would be quicker, and again no response. XXXX XXXX I was advised to AGAIN fax my paperwork to Equifax per customer service.The fax # I was provided was ( XXXX ) XXXX. As of current Equifax still claims they have received NOTHING. I am EXTREMELY frustrated with the lack of service from this company! It is ruining my life, I am trying to buy a house and I CAN NOT! Because I can not even log in to fix this freeze or lock on my report! I can not even view what my score is!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
On XX/XX/22 I received a debt collection letter from Portfolio Recovery Associates for the amount of {$880.00} and stating I owe XXXX XXXX XXXX XXXX XXXX 
The are fraudulently trying to collect on a debt that is past the statute of limitations of 7 years. The account referenced is : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account Bank XXXX XXXX # XXXX, Account XXXX  XXXX XXXX Account XXXX XXXX, Account XXXX XXXX  XXXX XXXX XXXX XXXX, Account XXXX Bank # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX, Account 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

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 2022-07-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account Bank XXXX XXXX # XXXX, Account Bank XXXX XXXX Account XXXX XXXX, Account XXXX Bank XXXX XXXX XXXX XXXX, Account XXXX Bank # XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX, Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern. i have several different issues Wells Fargo accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.

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 2022-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I went on to Rocket Mortgage 's website to look into a home loan, I was just doing an initial inquire. They called me and put me on the phone with XXXX XXXX to talk about the mortgage. This call was recorded, XXXX assured me 2 times that the credit report was a soft pull and would not show up on my report. I checked my report today and it shows that this was in fact a hard pull. I did not consent to this and am very upset this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
She called my phone and said she was with a law firm and had information to provide me. She then asked for my address and I provided it to her, she then said that there was another address on file. If I wanted the information I would need to provide my older address to retrieve it. Once I told her that I didnt remember it, she hung up. When I called back I was given their website, https : //www.lgbs-ert.com/ and was told it was a collection agency by the automated system. When a representative got on the phone I asked why I was being contacted since their website says that they work for the XXXX city tolls, but when I gave them my license plate, they said there was no collection for that plate. I then told her that they contacted me. After she, the same person that called me, looked it up by my number, she told me she wouldnt tell me why I was being contacted since the address I proved was wrong. She also said that they may have the wrong person then hung up on me. The phone number she used is XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: Grain Technology, Inc.
State: CA

Complaint narrative:
I have a line of credit for XXXX based on my availability of funds in my checking account. This is a digital credit card meaning it only goes through the app. Ive struggled multiple times with the app, due to it not connecting to a payment source, or if you need to switch payable accounts, you need to contact customer service by email only. There is no phone number for this company anymore. I got hit with a late payment that was reported to the credit bureaus due to my account not being fixed. I emailed the customer service team about this issues twice a week prior to the payment due date to get my account fixed. Never got a response, I was hit with a late payment on my credit and assessed fees. No one fixed my account until XXXX to which I just paid of my entire balance due to fear of this happening again. The app reviews are riddled with the same stories and peoples credit being tanked because of the poor customer service. Ive reached out 4x since the credit hit and still havent seen a single response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern. i have several different issues XXXX XXXX accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern. i have several different issues XXXX XXXX accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.

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 2022-07-30 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received a bill for a credit card I do not have. My address was written wrong and I am being charged {$33.00} from Comenity - XXXX XXXX XXXXXXXX. I've never heard of them before. I XXXX them online, they seem to be legitimate but they got one star reviews for fraudulent and it seems they make their money from interest. I am assuming these reports are from people who have the card at hand. I don't have anything to prove that I opened an account with Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2022-07-30 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: MO

Complaint narrative:
On XX/XX/2022 my bank sent an electronic transfer to Comenity Bank for my XXXX XXXX in the amount of {$1100.00}. The payment was never applied to my balance. I have filed a missing payment claim and also proved Comenity with the electronic transaction information including the trace and batch numbers. As of today it still has not been applied. Getting a hold of customer service is a joke and no one can give me an update. Messages sent through the on line message center are taking 4-5 days for a response. I am being told it can take 90 days for it to be corrected which is an absolute joke when Ive provided all of the info to track the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I paid the statement balance on time in full ontime I want the additional money they charged me over the product purchase price. 

Then the company sent me a notice saying it was late I've been called in again and the guy said he was going to waive the late fee and I would pay the statement balance and he told me how to put it on auto pay. 

There's only ever been one purchase on the card, it was already supposed to have been paid off once and then they waived the fee after they mistakenly said that it was late and then paid it off again. 

Now I keep getting text messages now saying I got a {$120.00} bill for the same thing it's already been settled twice, then they said they'll wave the late fee and charge me {$89.00} Then I was like wait a minute what are you talking about this original purchase at this store was just {$22.00} and change and already paid in full. 

The fact that they already had my payment information is the evidence that I never was late. Each conversation we talked about paying the entire statement balance and each time they would just send a new bill, then I would call back and they would say that they're waving the late fee and going to pay the statement balance and the one time they did charge me was for {$35.00} which is not what we spoke about it was supposed to be the purchase price of the product. 

I want my account closed down and I want any additional money that I paid over the purchase price for the product back. 

When they had sent the last two notices, after it had already been settled twice I tried to call the phone number on the credit card and the number just had this answering machine message saying their phones were down and this was for two different calls over the course of a month during XXXX mostly This company is very deceitful and should be closed down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2021 I contacted a private seller to purchase an item online, I was made to send money to XXXX XXXX XXXX. He requested XXXX $ for the item, and the seller blocked me and cut contact with me. I never received any items. I was told to meet at a physical location for retrieval of the item I thought I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following are unauthorized on my credit report. Try to work with TransUnion XXXX refused to remove. Please see below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I received a billing statement from Brock & Scott PLLC out of XXXX XXXX XXXX citing they representing XXXX XXXX on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only two notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: FL

Complaint narrative:
dispute all my collection account some still my information an send all the account to collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/2022 I went to a Comerica branch with a online {$500.00} bonus offer for a business checking account. The offer was for a {$500.00} deposit for opening a XXXX checking account with a {$50000.00} balance for 90 days. The bank manager KNEW that was the specific reason for me opening the account. She looked over the paper work explaining the offer. She said she would make it work and did not see a problem. I responded that I would not bring my check unless you were sure the bonus would be good. On XX/XX/2022 she called me stating it was not a legitimate offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
there are XXXX fraudulent accounts on my credit report that is not my doing im a victim of identity theft i have never made purchases from these said companies that are reporting to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: GA

Complaint narrative:
I received a billing statement from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX citing they representing Discover Bank on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only XXXX notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX  I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.

Company response to consumer: Closed with explanation