vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2022-08-09 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-08-09 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email from Truist Bank about verifying details for an account I know nothing about. This is identity fraud and needs to be stopped.

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 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
In the 2nd time in less then a month Chimes network has gone down leaving me and countless others without access to our money. The first time it happened I was getting groceries and had to put them all back. This time I couldn't make it to work because I was low on gas and couldn't put any in because my card wouldn't work costing me a full days wages. When someone puts their money in a bank they should be able to trust that they can access that money whenever they need it. The fact that Chime 's network went down once is bad enough but for it to happen twice within the span of a month is just unacceptable. Something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
XX/XX/XXXX of 2022 I submitted a dispute with Experian 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, Experian update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. Experian along with the other two credit bureaus XXXX and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

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 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-09 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: GA

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
XX/XX/XXXX of 2022 I submitted a dispute with XXXX 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, XXXX update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. XXXX along with the other two credit bureaus XXXX and Transunion is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

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 2022-08-09 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: TX

Complaint narrative:
XX/XX/XXXX of 2022 I submitted a dispute with XXXX 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, XXXX update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. XXXX along with the other two credit bureaus Equifax and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 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 2022-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
XX/XX/2022 - federal student loan remains on pause, however according to my Aidvantage account I owe on all my loans as of today. Attempting to access email or online help is futile as it only asks you to log into account- which I already was - only to get stuck in a loop of logging in, No help, logging back in. 

If I have to pay I will because I dont want the incompetent practices going on already jeopardize 10 years of flawless on time payments through XXXX  - this is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've received a copy of my consumer report and noticed some unauthorized inquiries on my consumer report. I never gave these companies any permission to pull my credit file. Heres a list of the inquiries i want removed from my consumer report. 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 2022-08-09 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have an Ulta XXXX Rewards MasterCard where every purchase I make, I am entitled to earn Ulta points for cash back on products directly in their store. 

After each months billing statement closes, the points are processed and uploaded to my rewards account. 

This usually occurs on or around the XXXX of each month, as my billing closing date is usually around the XXXX or so. 

For the Month of XX/XX/2022, Comenity Bank/Ulta XXXX Rewards MasterCard has failed to provide me with the points I have earned.

I called the rewards center and they lied to me and told me it was because my bill was not paid. This is a bald face lie. I actually make very large payments, and bi weekly on my own accord. Payments had been made on this account, and the statement isn't even due until around XX/XX/XXXX or so. 

I was then told it was because my card was cancelled, which is also a lie. There was fraud on the card # that was issued to me, I called and reported it, they cancelled that specific card number, and are supposedly issuing me a new one, my card and account has always been in good standing. 

So the rewards center had me call back the credit card number of XXXX again. 
The rep on this call stated to me " the point system is broken and we don't know when it will be back up. '' I earned those points and I want them issued in accordance with the contract I signed. I adhere to my contract and all payments are made. I have the right to those points, and that is what I use to shop for necessities for hair and body care items. 

They have falsely misled me by saying my points will be available and I've been harmed by their lies and illegitimate practice. 

They can manually add my points up and get them to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2022-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
My previous compliant, # XXXX, submitted on XX/XX/22 was not addressed by Northwest Bank XXXX XXXX XXXX did not address my compliant. She referred to a previous compliant, stated they reviewed previous documentation provided by myself and that I did not submit a new issue. Everything I submitted XX/XX/22 pertaining to advances being taken on my parents equity loan that they did not take, is not the same documents I previously submitted to Northwest about the fraud. XXXX XXXX attached copies of advances that are not the ones I submitted the compliant about. I am not disputing the copies she provided, its the dates that I provided in my previous compliant # XXXX that I am stating were not taken by my parents. I've including in this compliant the procedures Northwest provided as to the different ways to request/take out an advance, which none of those occurred with how the advances in my compliant, showing my parents did not take those specific advances when they were in Florida. They did not drive back to Ohio in a day to personally walk out of the bank with cash of those amounts that I am disputing was not taken by my parents.

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 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I've just received a copy of my consumer report and noticed some unauthorized inquiries. i did not give these companies permission to pull my credit file Please remove these inquiries unless they attached to an account. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay 's is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes XXXX and XXXX have failed to provide XXXX XXXX  from Barclay 's verifying that I am the actual account holder

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 2022-08-09 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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 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 2022-08-09 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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've just received a copy of my consumer report and noticed some unauthorized inquiries. i did not give these companies permission to pull my credit file Please remove these inquiries unless they are attached to an account. 
US SM BUS. ADMIN ODA, 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 2022-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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