vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: TX

Complaint narrative:
Request for VALIDATION, NOT Verification XXXX XXXX XXXX RE : Account # XXXX AND XXXX XXXX Last reported XXXX XXXX, XXXX {$640.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXXXX  XXXX, XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndiv To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2022-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have applied for the Victoria Secret Credit Card ( for the promotions as advertised on their website and in-store ) XXXX ( XXXX ) times over the past XXXXhree ( 3 ) months. Each time they claim that they will send a " letter in the mail in 10-14 days to give an explanation '' and each time I NEVER receive any communication or letter as stated. I have contacted Victoria Secret multiple times on XX/XX/2022 to see exactly what they need me to do ( as I have a credit freeze ). I was told that I needed to remove my credit freeze with XXXX and XXXX, ( which I did ) and reapply to get the same message. I believe at this time Victoria Secret has a fraudulent and/or deceptive process in processing applications. They do not seem to have a department that actually handles application and their customer service reps just repeat what's stated on their website " wait the 10-14 '' days and I expressed multiple times I NEVER receive any letter. This is ridiculous. Once again I miss out on their promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On Thursday XX/XX/XXXX at XXXX, I got and alert on my phone. The alert stated a transaction in the amount of {$120.00} at XXXX and XXXX gas station. I was alarmed because I was at work and had been at work since XXXX. I immediately went to my purse to see if my cars was there. It was. I then proceeded to call chime bank and dispute the unauthorized charge. I was then told I had to wait until it wasnt pending to open a dispute. On sunday XX/XX/XXXX the unauthorized transaction had gone through. I opened a dispute via chime app. I got a credit of {$120.00}. I was surprised that after only a few hours my claim was denied. I then called to open the case back up. The man said I could send on more info to support my case. I screen shotted my work schedule stating I was working. I dont believe they even looked into the dispute. I have never been to a XXXX and XXXX I shop at XXXX. If they looked they would see that. I requesred a copy of the evidence of how they came to their decsion. I re-opned the case. They toom back the credited amout of XXXX and my account is now negative. They also state they are apart of visa zero liability. That is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I created an account on binance.us on XX/XX/2022, passed verification, provided all the necessary proof of residence. Set up a deposit from my XXXX bank using their built-in plaid.com plugin which required an XXXX confirmation to connect a third party account to binance.us. Deposited for a total amount of {$2000.00} on XX/XX/2022, which are suspended for XXXX days. On XX/XX/2022, my account was suspended without any explanation and required to provide video evidence, which I provided. I received an email on XXXX they won't let me use their services and I have XXXX hours to withdraw the funds. As of XX/XX/XXXX my account is still locked out, I can't login and their support team is not responding or helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: SC

Complaint narrative:
Upon covering from XXXX for the second time, I began reviewing mail including copies of my credit report that I did not order. Upon reviewing my Equifax credit report, I notice the appearance of multiple bankruptcies and incorrect items on my credit report with Equifax. At the beginning of XXXX, I began the process of disputing several items. The most recent investigation involved the multiple bankruptcies being reported. I submitted the dispute online as I had filled out the paper document that was sent with the credit report, but an investigation never started. Because Equifax did not initiate the investigation, I submitted the investigation online. I did receive a confirmation number. Thirty days passed and Equifax sent me another credit report stating that the information was verified. I then sent another request of Equifax asking for the company to send the information that was verified to them. I did not receive the answer that I requested, Instead, Equifax conducted another investigation that lasted another thirty days and I receive the same response that the accounts had been verified. Unknowing to Equifax, I sent a certified letter to the source of the information listed by Equifax. I received a response from the original source that they do not verify information and that I had to contact Equifax. I have since sent Equifax the same letter from the source that was sent to me. The document was sent to Equifax via mail and electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: MO

Complaint narrative:
In accordance with a Fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my 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 2022-04-23 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: MO

Complaint narrative:
In accordance with a Fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, Fair collections XXXX  account # XXXX, XXXX XXXX serviced account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX 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 604 A 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 explanation
Consumer complaint received 2022-04-23 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 to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without 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 2022-04-23 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 to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX -XXXX XXXX : account number XXXX XXXX XXXX  : account number XXXX -XXXX XXXX  XXXX XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without 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 2022-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I applied for a HELOC loan through Golden 1 in late XXXX. I was conditionally approved, and then was told that they were using 1 % of my XXXX  loan debt to calculate my income to debt ratio. They indicated that I needed to obtain a letter from my student loan company which explicitly states that I am on an income based repayment plan, and what my payment would be once the federal pause is over. I obtained this letter and they again denied the loan, stating that they do not accept income based repayments.

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 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
Please provide validation of the debt that is the actual accounting that is a signed Invoice A copy of the Contract binding both parties This company has violated my privacy. There is no record from me granting permission to furnish this account. The negative information is adversely impacting my life. It is inaccurate. Please remove immediately 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A 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
Consumer complaint received 2022-04-23 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: VA

Complaint narrative:
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. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
An agent that I spoke with accepted accepted my {$600.00} payment towards my capital One credit card and lifted all restrictions on spending and Next day the restrictions are back on and I'm not able to use my card I would like them to honor what the 1st agent told me when he lifted the restrictions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
WAKEFIELD & ASSOCIATES HAS YET TO NOTIFY ME VIA CERTIFIED MAIL AND OR TELEPHONE CALL I DO NOT KNOW WHERE THIS COLLECTION CAME FROM AND OR WHAT TYPE OF SERVICE IS OFFERED OR WHEN THE SERVICE TOOK PLACE AND OR WHAT TYPE SERVICE WAS RENDERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: IL

Complaint narrative:
I have been disputing inquiries from my credit report from all XXXX credit bureaus for 3 months and to date no resolve or removal.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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

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

15 U.S.C 1681 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/2022 - cashed out XXXX rewards points as {$300.00} XXXX gift card. 

Gift card was never delivered. 
XXXX was sent back to processing facility. 

XX/XX/2022 contacted US Bank credit card customer number to file an investigation and a refund of points or resend cards via XXXX. 

Was Notified by US Bank service member the customer service team will follow up and make a decision in XXXX days. 

XX/XX/2022 contacted US Bank customer service for updates. Still haven't been contacted by US Bank credit card service team after 30 days. 

XX/XX/2022 - still have not received updates from US Bank about the credit cards rewards resumption issue. 
Rewards points still have not been refunded to my account and have not received information about resending my gifts cards.

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 2022-04-23 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: IL

Complaint narrative:
I have been disputing inquiries from my credit report from all 3 credit bureaus for 3 months and to date no resolve or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: IL

Complaint narrative:
I have been disputing inquiries from my credit report from all XXXX credit bureaus for 3 months and to date no resolve or removal.

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 2022-04-23 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: CA

Complaint narrative:
In accordance with Fair credit Reporting Act XXXX XXXX Account # XXXX Has violated my right as a consumer. 
I never initiated nor authorized this account to be on my report. 
15 USC 1681 Section 602 A states my right to privacy consumer reporting 15 USC 1681 Section 604 A states Agency Can not furnish my 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 2022-04-23 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 the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX 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 604 A 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