vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I found out about this alleged debt when I received a call from a debt collector stating they are calling with Comenity Bank/Ikea . I filed a dispute and told them I never opened an account with this bank and company. I am being harassed by phone calls and have yet to hear a response for my dispute. I have attached and FTC Identity Report to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
MARINER FINANCE , LLC 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 This account has been closed since XXXX and the company keeps reselling to someone else to put it back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.

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 2022-11-10 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: TN

Complaint narrative:
I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX Account 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 explanation
Consumer complaint received 2022-11-10 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: GA

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. 

Account name : XXXX XXXX # XXXX, Account name : 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Called Fedloan on XX/XX/2022 to ask for forgiveness for loan payments made during the COVID-19 pandemic. The customer service representative said she had submitted my application and that the payments would be refunded in the next 2 weeks to 2 months. Called back today, XX/XX/2022, to be told that I had to contact a different company, XXXX, and that Fedloan had done nothing for my case. The original customer service person lied to me and left me several months behind on this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022 my bank balance was current and showed a postive balance on my online banking protal. US Bank charged me exesive overdraft fees. The overdraft fees essentially trigered my balanace to go negative which then resulted in more overdraft fees and NSF Fees totaling over XXXX. This is a finaicnal burden and misleading financial practices.

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 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have not received a billing statement for my Truist Auto Loan since XX/XX/2022. I have tried to resolve by going to the bank and assured it was fixed ; I still haven't received a bill. I have made payment but not sure what is owed or any billing details.

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 2022-11-10 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: GA

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. 

Account name : XXXX XXXX # XXXX, Account name : 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 an 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 2022-11-10 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: GA

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. 

Account name : XXXX XXXX # XXXX, Account name : 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 an 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I tried to establish a payment amount that I could pay, but the collections company refused and was not understanding to my financial situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Raduis Global Solutions at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX says that I owe {$660.00}. When I called them at ( XXXX ) XXXX it was very sketchy. The phone didnt ring. Someone connected right away and told me I owed money. They didnt ask me for account number or phone number. They just started talking about what I owed. He repeated my last digits of my social and said that he was going to send me over to the fraud department. He never put me on hold he said nvm he cant no ones available he asked me if I wanted to call back. I said yes and hung up. This was on XX/XX/2022 at XXXX. 

I then called XXXX XXXX XXXX fraud department who I asked to look up the account number on the collections notice I received from Radius Global Solutions and they said the account no. didnt come up as any accounts. They asked me my name and said my name didnt belong to any accounts. They even looked up my email address and it didnt belong to any accounts. 

The fraud department at XXXX XXXX XXXX was concerned that this was fraud so they sent me to the mobility department at XXXX XXXX XXXX who did not understand anything I was saying but saw that I had an account in the system under my current phone number. Which Ive never had XXXX XXXX XXXX I just got this phone number a few weeks ago. Mobility transferred me to the XXXX XXXX XXXX XXXX department who said I also had a prepaid account under this phone number and but they said the account was inactive and they were not able to tell me anything else. 

Please help me. I dont want my social security number taken. Im struggling in this world as it is. I dont want to have the little bit that I have taken away from me. Please look into this. Idk whats going on. Ive never had XXXX XXXX XXXX a day in my life and I always pay my bills, I dont owe anything! And I work really hard to keep my XXXX XXXX good. Please help. 

I want this fake account close. The prepaid number I called for XXXX XXXX XXXX was ( XXXX ) XXXX. XXXX & XXXX customer service number ( XXXX ) XXXX. And XXXX XXXX XXXX fraud department ( 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 2022-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been disputing my credit with all XXXX credit bureaus from addresses that were not mine, fraudulent bankruptcies and student loan accounts that are not mines and they have failed to removed these items even after sending a police report that I filed in accordance with the disputes. I have been disputing these items since XXXX of 2022 and they still refuse to remove certain items. I need these items removed immediately or I will have to take this further because the bureaus are not taking identity theft serious and violating my consumer rights. Attached are the disputes that were filed.

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am complaining about the processing of direct deposit and delaying funds availability and offering some services to some accounts and not others. I understand there is a delay due to the bank holiday or XXXX XXXX XXXX, but they state ACH deposits may incur even longer processing times and holds which is not usually legal. I want to file a complaint about the delay in processing, and the offering of access to early direct deposit for some customers and not all. I am hoping you can look into this to determine if any regulations or violations have occurred, and if you consider this a form of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: CA

Complaint narrative:
In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was having financial difficulties on my job and tried to communicate back forth with them and ask them to work with me but it became to a point where they wouldn't work with me no longer and was trying to make me pay double and I wasn't able because I was already having a hard time on the job that I had being lay off. 
Account name JPMCB AUTO Account number XXXX .... 
Recent balance {$10000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$9300.00} written off. {$10000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: VA

Complaint narrative:
I was in contact with the debtor on a recorded call from their phone line. The debtor made very misleading statements to me. The debtor told me that my debt would stay on my record past the 7 year standard set by the CFPB because of the nature of the debt. She also threatened litigation. Her manner was very unpleasant. I believe that she made intentionally false statements in order to deceive me and under the FDCPA in order to attempt to get me to pay the debt. I am disputing and I would like this investigated and also I would like this debt removed. 15 U.S. Code 1692e - False or misleading representations. Bullet # XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Selene Holdings LLC
State: CT

Complaint narrative:
Selene Finance fraudulently reported a new account number XXXX onto my XXXX credit report file. This fictitious account number was posted between XX/XX/2022 and XX/XX/2022 and I do not nor never had a contract with Selene Finance with this loan number. This fraudulent account is also being reported as being late 120 days when its new and never appeared before on my credit profile as it was recently opened. I never consented nor signed this new loan account and immediately asked for validation of this account through the administrative process. The monthly payment being demanded, and loan number looks like fraud as I don't recognize either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I cant view statements or make payments on my account because they have blocked my access to the website I have contacted them on several occasions no one seems to know why my access is blocked I have taking the steps provided but I'm still blocked from entering the website to view statements or make payments. 
The only way i know any info about the account was through a consumer reporting agency which is reporting a very high balance than what i last known it to be the last time i was able to access my account online.

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Amazon refuses to return money on Amazon Credit card as agreed. Because of misleading promises, of rewards, reimbursement of Money of not satisfied I a purchased Bed The product is known as the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for {$470.00}. delivered on XXXX. I called Amazon on XXXX, I needed to return the item as all the parts for the bed did not come and only half the bed, was delivered. At Amazon Rep direction was their policy was for me to return to bed, I would receive a full refund because it was purchased on Amazon credit card. I then could reorder the bed and get the product I wanted. The reimbursement policy was it would take 2-7 upon Amazon acknowledgement of receipt of return bed to receive the full reimbursement. After 7 days on XX/XX/XXXX I did not receive any refund, I called Amazon again and the Rep. then said it might take another 7 days or 14 days because the issue went to a special department. After 14 days on XX/XX/XXXX I called Amazon after not receiving a refund again and they told me it would now take up to additional 30 days and I might not get the money back as promised. This was misleading. I did not get the product or my money reimbursed. I just want the Product or the return it the money under my Amazon credit card as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been disputing my credit with all XXXX credit bureaus from addresses that were not mine, fraudulent bankruptcies and student loan accounts that are not mines and they have failed to removed these items even after sending a police report that I filed in accordance with the disputes. I have been disputing these items since XXXX of 2022 and they still refuse to remove certain items. I need these items removed immediately or I will have to take this further because the bureaus are not taking identity theft serious and violating my consumer rights. Attached are the disputes that were filed.

Company response to consumer: Closed with explanation