vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
XXXX milestone card fee changed from {$25.00} to {$40.00} I complained and stated stop card, So they removed interest fee. So XXXX I requested a new card and they never sent one but demanded payment. I filed complaint with XXXXXXXX XXXX XXXXXXXX. And they claimed I don't request new card. But the conversation was recorded and now they say I owe {$80.00} but I don't have s card and I don't have a card number. Do I close the account are pay for a card they refuse to send?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd.
State: TX

Complaint narrative:
The accident happen on XX/XX/XXXX. Advised ( XXXX XXXX XXXX XXXX dba XXXX XXXX ) that, I have full covered and provided insurance information to adjuster at ( XXXX ) and then I received a letter on XX/XX/XXXX from XXXX and provided information again. On XXXX XXXX received a letter from XXXX XXXX XXXX XXXX. However, XXXX didn't contact XXXX for payment for the accident prior to contacting me. Under California everyone that owns a car have to obtain liability insurance coverage to drive on the roads and streets. Both companies have fail to get in contact with XXXX. 

Also, this debt is dispute and served as notice for dispute. Lastly, please stop harassing and threatening me. Cease and Desist notice unless it's regards to XXXX make payment. Once, payment is made you can send me a notice it was Paid in Full. 


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 2022-02-27 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: AL

Complaint narrative:
On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond 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 non-monetary relief
Consumer complaint received 2022-02-27 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: AL

Complaint narrative:
On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond 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 non-monetary relief
Consumer complaint received 2022-02-27 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: AL

Complaint narrative:
On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have contacted Commenity Bank concerning my Victoria secret and XXXX XXXX account I opened in XXXX, that went into delinquent in XXXX. I have requested them to email me all the payment records and information on whom the sold the account to. I have been given inaccurate information and will like for the Fair Credit to investigate this matter. My credit report states that I made payments in XXXX in which was false. I lost my job in XXXX and was unable to pay my credit cards and car note. I stop paying both credit cards in XX/XX/XXXX. I was told by Commenity Bank my accounts was sold to XXXX XXXX, but when I contacted XXXX XXXX  they was unable to locate me in the system. XXXX XXXX attempted to use my social security number but still was unable to find me in there system. I called Commenity Bank back and explained what the representative told me from XXXX and still got the same information again. Commenity bank does not provide accurate information to consumers and is not following the guidelines of CFPB. Commenity is selling consumers information to unknown companies and risking identity theft to people like myself. On my credit report Commenity Bank does not have a phone number, I had to XXXX this address to call them. This is company is fraud and if I dont receive the information I need, my next step is to get a law suit in place. I should have a option to know where my information went and be able to have the option to settle the debt. 
Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided - Comments Transferred to another lender Purchased by another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have a collection account on my credit reports for a medical debt that was paid by my insurance and I have disputed the his with credit bureau and the debt collector who has refused to respond to my letters for proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank-my checking account - {$750.00} was stolen ( a check washed ). I reported to Chase Wednesday nightXXXX XXXX. At XX/XX/25, my money still has not been returned to me. They have been giving me the run-around. Gave me several different dates of claim approval and, money to be in my account. Now they say by XXXX. This is unacceptable. It is my money and I have not paid my rent. It was part of my SS check.!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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 fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-02-27 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 fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was turned down for a Sams Club XXXX because of a Bankruptcy proceeding that was done and over with in XXXX, discharged in XX/XX/XXXX, subsequently I received the Sams Club Card personal credit card ( among others ), ( with bankruptcy on record ), and I would like a reconsideration of the request for the Sam Club MasterCard. Consumers should be found " credit worthy '' / '' approved '' based on their Present credit '' " performance, not based on old information in their credit file. It has been several years since the bankruptcy was initiated and processed, " not recently ''. If my credit was " good enough '' right " after bankruptcy '' to get a " Sam Club Personal Credit Card '' " account '', surely it is good enough to get a Sams Club MasterCard. My Sams Club Personal Credit Account has been open several years now, non problems and is current. Since Synchrony Banks enquiry, my credit score has " decreased '' " several points '', and that stays on my record for two years. So why not go ahead and approve me for a Sams Club MasterCard account since the enquiry was made and my present Sams Club Account is in good standing/current, ( see attachment ( s ) ). I have several other credit cards and ALL of them are current as of todays date, XX/XX/XXXX. I hope Synchrony Bank will reconsider, if not, then I will consider if I want to keep the present Sams Credit Account open or not. Good paying costumers should be appreciated, not held back or punished because of derogatory information that is years old in their credit report. I will consider filing a complaint with Consumer Financial Protection Bureau. 

The response I got from an employee today, ( online ), is not acceptable ( see screenshots ). Does not address my concern about the XXXX, only about credit bureau inquiry which I did not ask about... ( I was purposefully " ignored '', why is that? ). Probably because of Incompetent employees working there .....

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 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
On XX/XX/2021, in response to an unsolicited ad sent by Axos Bank, I opened a checking account expecting to be given a bonus of {$100.00} if I fulfilled all the requirements. I used the link provided by Axos to apply for the account. Specifically this link was attached to the ad for the bonus. During the application for the checking account I was asked to put in the promo code XXXX  which I did. I funded the account with {$50.00} and later had direct deposits of {$1500.00} within 60 days as required. I was to receive the bonus of {$100.00} within the first 5 days of the third statement cycle. When I did not get the bonus, I inquired by email and was told that I did not sign up for the proper checking account. I was not aware at the time of the application that there was any substantial difference in checking accounts with respect to the {$100.00} bonus. I was told the bonus was only for the Rewards checking and not the Essential checking which I apparently opened. I feel this is bait and switch and fraud. I responded to an unsolicited ad offering {$100.00} to open a checking account which I did. I see no significant difference in the terms of the two kinds of checking accounts and contend this is fraud. I should be awarded the bonus. The purpose of the ad was to get new business which was accomplished. Axos Bank needs to honor its part of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2022-02-27 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 fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-02-27 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 fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
I did not give anyone my permission to have my personal information about my past eviction history to be place on public information or given to anyone. I did not give any agency permission to use my information and have it on their reports.. I need to have my personal information private..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I'm being contacted by email repeatedly by a company called True Accord. I've made it clear they have the wrong person and they will not stop emailing me after I've asked via email and unsubscribed from communication. 


The information is below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: NC

Complaint narrative:
In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an 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