vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-06-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Account Name XXXX  XXXX XXXX Account XXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account NumberXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX These accounts have 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 2022-06-28 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  Account Account Name XXXX  XXXX XXXX Account NumberXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account NumbeXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX These accounts have 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 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Blackhawk Network Holdings Inc.
State: MT

Complaint narrative:
I have attempted to load funds i have in my digital safe with XXXX XXXX It account and have attempted numerous times to do so and have failed. I initially purchased XXXXxReload It Packs in the amount of {$500.00} each totaling {$2000.00}. It was a lengthy process to set up new account and at least 10 attempts over the course of a week. I purchased the packs on XX/XX/22 and it took me approximately a week to resolve this issue. I was only able load {$1000.00} and have not had access to my other {$1000.00} that was in my account. I have not been able to access my funds since and company has failed to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
while reviewing my credit report I saw a collection account listed. I contacted XXXX and they informed me it was a debt owed to XXXX XXXX. I contacted XXXX XXXX to get this debt validated with information confirming me and that is when I discovered the company was out of business. Prior to this debt being reported to a collection bureau I received notice from XXXX XXXX that my information was compromised in their system. I asked how did my information get into their system but was unsuccessful with getting a response afterwards. I have repeatedly disputed with all credit bureau and collection agency. The credit bureau always states they validated debt and recently stated the same. when asked their method I was told to contact the FTC. I know they did not validate with the reporting business because they have deceased all operations.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in XX/XX/2021 I paid the collection agency for XXXX to pay the account in full, a paid in full letter was sent to XXXX and experian, it still shows as written off unpaid so the end of XXXX, I resent the letter to both and it has not changed. I need this to be corrected please.

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 2022-06-28 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: FL

Complaint narrative:
I called XXXX and XXXX to remove inaccurate information on my credit report and they removed it without any issues. However, Experian gave me a hard time and refused to remove the inaccurate address. The customer service rep told me that it wont make a difference if the address was removed or not. He stated that the address was attached to a certain account which I am not familiar with. When I asked which account it was he refused to provide me with the information. This issue made me feel uncomfortable with Experian having access to my personal information and also made me feel like my rights as a consumer does not matter and are not heard.

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 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Netspend Corporation
State: MT

Complaint narrative:
I have reached out to XXXX Netspend Prepaid Mastercard several times to resolve my issue loading funds however no resolution has been made. I am unsure as to why I can not load funds but error code provide by loading service indicated error code " Redemption Refunded '' is provide when funds are attempted to be deposited by Reload It Pack. I wait on hold today for XXXX hrs and XXXX   minutes after briefly speaking to Customer Service Agent who stated I would be placed on hold for 3-5 minutes. All other attempts prior and after have never been as successful as to recent attempt by XXXX Netspend Prepaid Mastercard Customer service agent.

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 2022-06-28 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 Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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 2022-06-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX NXXXX 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.

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.

Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-06-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am having issues with Citicards/ Citibank . For this card, I am an authorized user. My mother, XXXX XXXX has added me to this account in XXXX. I was a minor at the time and did not consent nor want her to add me as an authorized user. The company has refused to remove me as one. I have disputed with XXXX as recently as XX/XX/XXXX and called and tried to get them to remove me as well. They will not as I am not the primary card holder. I have contacted my mother but she is abusive and toxic and refuses to remove me. I have attached the completed dispute results and text messages to my mother pleading for her to remove me. The account has a balance of {$2500.00} according to XXXX as of XX/XX/XXXX. I have not ever held the card from that account in my hand, let alone spent or should be responsible for these payments.

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 2022-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: AL

Complaint narrative:
XX/XX/2022 This complaint comes to your attention due to the unfair business practices of First Tech Federal Credit Union ( XXXX, Or ) https : XXXX. I previously had a good-standing business relationship and held XXXX ( XXXX ) accounts with this financial institution until recently in XX/XX/2022 when I began to fall behind on a credit card issued by the bank. 

My Complaint : Due to missed payments on my credit card account on XX/XX/2022 First Tech withdrew {$510.00} from my personal checking account ( without consent ) which overdrew my account $ XXXX. I then requested them to close the credit card along with my personal checking, saving, business checking, and business savings accounts. However, because my payroll was about to deposit, they could not close my personal checking and saving account until after it posted. On XX/XX/XXXX I went into a shared branch location and was able to withdraw my payroll. 

As retribution First Tech disabled my online banking to prevent me from seeing any activity or download any banking statements. In addition, to freezing my personal checking/saving accounts preventing me from transferring or withdraw my funds. My concern is that I can not withdraw recently deposited 401K funds ( {$2000.00} ) in my savings account that I have paid taxes on and First Tech is holding these funds in abeyance to satisfy a credit card account that I have previously closed because on the initial {$510.00} that was taken from me! I should not be subjected to any federal penalties for my 401K if I did not use the funds or give permission to First Tech to take the funds? In conclusion my state tax refund is going to be deposited into my personal checking account that I have no visibility into nor will be able to access.

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 2022-06-28 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX, 2021. ( {$400.00} ) XXXX XXXX, 2021. ( {$380.00} ) XXXX XXXX, 2021. ( {$400.00} ) XXXX XXXX, 2021. ( {$380.00} ) XXXX XXXX, 2021. ( {$380.00} ) Original creditor : 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 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 2022-06-28 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act Convergent 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, 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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a checking account with Capital One bank. On XX/XX/2022, I placed a check in a public mailbox outside a US Post Office. The check was for {$360.00} to the XXXX XXXX XXXXXXXX XXXX to pay taxes. On XX/XX/2022, I saw on my bank statement that the check had been cashed for {$1400.00}. I looked at the image of the check and " IXXXX XXXX XXXX XXXX '' had been covered with white-out and the name " XXXX XXXX XXXX had been written over it. The amount of {$360.00} had also been covered with white-out and {$1400.00} had been written over it. I called Capital One that same day and reported the fraud and that my check had been stolen. The person I talked to on the phone agreed that this was an obvious case of fraud and said they would investigate the fraud and refund the stolen money. I also reported the mail theft and check fraud to the police. 

Now three months have passed, and I have not gotten a refund of the stolen money. Every time I have called Capital One ( I have called customer service several times in the past three months ), they have said the investigation is still ongoing and there is no way to estimate how long the investigation will take. I can not understand how the " investigation '' is taking so long when the fraud was so obvious ( the white-out over both the name and the amount is visible on the check ). Capital One has also claimed they have no duty to screen checks for authenticity before withdrawing the money when someone makes a mobile deposit of the check. It seems completely irresponsible to not review the check before letting the money out of a customer 's account, when mail theft and check fraud are apparently so easy to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting actXXXX XXXX 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. 

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. 


Please remove this account.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity bank has been down for days. I e tried submitting my payment all day today ( due date for 3 separate cards : Victorias Secret, Express and XXXX ( All Rewards ) and I cant log into any of the accounts. ) Phone calls are being hung up as well I do not think I should incur a late fee for their lack of planning

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: OH

Complaint narrative:
Pursuant to 15 USC 1681 ( b ) ( 2 ) -Permissible purposes of consumer reports ; In accordance with the written instructions of the consumer to whom it relates. I have repeatedly demanded that Transunion stop furnishing erroneous, inaccurate, identifiable location information on my consumer report. However, they have failed to comply. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) under the Fair Credit Reporting Act, it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. These people have not been responsible, fair, nor impartial, and they have not been respectful of my right to privacy, and I am tired of this XXXX! They have caused me grief and great stress in my life and my rights have been violated due to everything they are falsely saying about me ; In addition, I have been denied credit 4 times due to what you are saying about me. The alleged information you are allowing these furnishers to report to you about me has not been fully investigated and was not brought to my attention. What makes this worse is that Congress states that you are not even government, and you have assumed this role, which is considered fraudulent, scamming, and Identity Theft.

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 2022-06-28 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation