vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
*THIS IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have 3 promotional plans currently with Comenity-XXXX  XXXX. On XX/XX/XXXX I submitted a payment of {$290.00} to payoff an expiring promotional plan that had a balance of {$280.00}. Of that {$290.00}, they applied XXXX to the expiring plan, {$1.00} to a plan that expired with a {$1.00} balance, and {$21.00} to a plan that expires on XX/XX/XXXX which has no minimum payment due. And that plan with the {$1.00} balance is still charging {$.00} interest. 

As a result, that expiring plan charged me XXXX in interest because it wasn't paid off. 

I spoke with a manager on XX/XX/XXXX and told him what happened. He submitted a complaint to try and get back the interest. He told me I should hear back in 3-5 days. 

I called again on XX/XX/XXXX for an update and was told that the case was closed on XX/XX/XXXX. The supervisor that I spoke to said that I should have paid the plan minimum balance of {$34.00} in addition to the expiring promotion plan amount of {$280.00}. I argue that that entire amount of {$290.00} should have been applied to the expiring plan ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
Respected sir or madam My Name is XXXX XXXX XXXX, I have cash and using it nicely, but yesterday I lost my card my money phone everything, I had a balance of around {$600.00} which is my hard-earned money, and some fraud has happened to my account and {$550.00}, {$20.00}, {$22.00} are fraud charges on my account and I am chatting with agents to file a dispute but no one is helping me, sir, please understand I need that money it's for mom and dad medical treatment which I have earned by very hardly working 1-month day and night but now fraud happens and my money is taken out please help me please I need my money back as soon as possible by today anyhow. 
my email Id is XXXX Thanks XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Early Warning Services, LLC
State: GA

Complaint narrative:
There seems to be a persistent coddling of the institutions that established and used this reporting system by CFPB and the FTC, which has yet again ( third time ) caused me harm. I am asking for the fourth time : PLEASE ALLOW CONSUMERS THE ABILITY TO LOCK THESE REPORTS in order to provide a protection against fraud. YET AGAIN, the report contains errors listing accounts which I never opened nor used yet appear on my report. I have to now monitor this monthly, but receive NO ASSURANCES NOR PROTECTIONS FROM EARLY WARNING ; they only ask that I file a report and request correction from the institutions. THAT DOES NOT RESOLVE THE FUNDAMENTAL PROBLEM of the agency : they're allowing and selling my data to anyone willing to fork over the money to gain access and I HAVE NO CONTROL OVER IT despite the fact it is my data. WHEN WILL YOU ESTABLISH REGULATIONS TO PROTECT MY RIGHTS AND DATA? I am growing tired and MORE ANGRY with every abuse of this agency and YOU DO NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: PA

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, 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 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 XXXX 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. 
Chapters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2023-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NC

Complaint narrative:
I opened the US Bank checking account in XX/XX/XXXX with promo code XXXX. 
The checking account mentions if you have direct deposit of {$6000.00} or more, i will be given {$500.00} checking bonus. I did all the requirements but still i didnt get the bonus. Its been more than 60 business 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 explanation
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
XXXX IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help

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 2023-01-16 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: FL

Complaint narrative:
XXXXTHIS IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've asked for all addresses that do not belong to me to be removed from my credit profile.

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 2023-01-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to a fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Design Receivable Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Design Receivable Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Design Receivable Solutions continues its collection efforts, I will file f
or litigation for actual damages caused and Design Receivable Solutions shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/23 Cashapp held {$470.00} of my funds claiming to be investigating. They first said investigation would take an hour or so and now they are saying XXXX business days. They will not inform me of why they are holding my funds. It should be against the law to hold money that does not belong to them. 
Ive asked for them to just release my funds and close the account. They have neglected to do so. This is bad business! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/XXXX I placed an order with XXXX XXXX XXXX XXXX  using a coupon. Somehow someway, it made my entire transaction free, I was only asked to enter my debit card number to pay for shipping. I entered my information and authorized them to debit my Chase account in the amount of XXXX. 
On XX/XX/XXXX I got a notification from my bank ( Chase ), letting me know I made a purchase totalling XXXX which I didn't. I immediately logged in to find out what it was, and it was a charge from XXXX XXXX XXXX XXXX. I went back to look at my confirmation email and that was not the amount I agreed to pay. I contacted Chase Immediately to have the charge reversed, I contacted XXXX XXXX XXXX XXXX ( total bust ). Chased reversed the transaction and told me they would contact me if they needed more information. They contacted me and asked me to call, which I did, I sent the email I received from XXXX XXXX XXXX XXXX showing the amount I was supposed to pay, which was XXXX. They told me I would be updated and contacted if they needed something else from me. 
XXXX XXXX I noticed the money was reversed to XXXX XXXX XXXX XXXXXXXX XXXX I contacted Chase again and spoke to a XXXX for the Claims department. He told me that the reason the charge was reversed and my claimed closes, is because during the investigation, they found the purchase was made in store, therefore I had authorized the XXXX transaction. I reassured him the transaction was made online, and that i didnt authorized that charge, he didn't believe me. I asked him to review the faxes I sent. He finally said he was requesting to reopen the claim.he told me it would take 3 days to do so. 
XXXX XXXX Contacted Chase yet again to check on the status of the claim, I was told by another supervisor that they would not be re-opening my claim, because I didn't have proof I used a coupon. I was never told that before, the only thing I was asked to provide was the email conformation showing the amount I was supposed to be charged. I am a single mother on a fixed income, I don't have the extra money for unauthorized transactions. Chase is on the wrong and they are not willing to admit their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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:
XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act 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 2023-01-16 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:
XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act 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 2023-01-16 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: MI

Complaint narrative:
Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with Equifax. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting 100 percent accurate. XXXX XXXX  is reporting different information on all 3-credit bureau . I see so many errors which is a FCRA violation. 
XXXX XXXX  Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section 807 Violation misleading false reporting on my credit report. 
XXXX XXXX Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XXXX XX/XX/2023 I used a balance transfer offer from my bank, XXXX, to initiate XXXX balance transfers ( for {$5000.00} and {$8500.00} ) to a pair of Barclays XXXX cards I use. I sought to have the transfer completed before the Barclays statement period ended on XXXX XXXX -- this would have XXXX  out both Barclays cards ' balances while avoiding additional finance charges on those cards. The transfer immediately posted to my XXXX account, and I continued checking my Barclays accounts to see when the transfer would post. 

On XXXX XX/XX/2023, I saw the transfer had not posted to Barclays, so I called XXXX to inquire about the status of the transfer. After speaking with a customer service representative, I spoke with a supervisor who informed me that XXXX sent the payments out by paper check on XXXX XX/XX/2023 from Maryland to the Barclays payment address, which is a post office box in XXXX, Pa. They also told me the transfer would likely take XXXX business days. ( In comparison, I made another balance transfer that day for {$9900.00} from my XXXX XXXX XXXX XXXX account to a different XXXX card ; it was handled electronically and the balances for each card adjusted accordingly overnight. ) On XXXX XX/XX/2023, I again noticed no balance transfer had posted on my Barclays account, so I called Barclays to inquire about the whereabouts of the balance transfer. They said they would start an investigation but they terminated the call before I could get all the information to them. 

I am filing this complaint because : XXXX ) I initiated these XXXX transfers XXXX the XXXX  purpose of minimizing finance charges, but the delay in Barclays ' XXXX these transfers means I will incur additional finance charges. 
XXXX ) I want banks to make these transfers electronic, instead of issuing paper checks through the mail. As noted above, I initiated a separate XXXX XXXX XXXXXXXX that completed electronically without delay. Banks need to use routing numbers to make these transfers electronically and get out of the business of issuing paper checks. 
XXXX ) I am extremely unhappy that this transfer has not been completed, XXXX calendar days after it was initiated. As recounted in my conversation with XXXX, the checks were mailed from Maryland to XXXX, and I verified the Barclays addresses and account numbers with XXXX twice. It does not take this long for a letter to go from Maryland to XXXX, and Barclays should not have this long to post a transfer initiated nearly XXXX weeks ago.

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 monetary relief