vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Received a notice from XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ XXXX. Attorny for plaintiffXXXX XXXX XXXX and file number is XXXX. Comenity Bank XXXX XXXX in the amount of {$570.00} plus costs now the balance due is {$720.00}. 
They are stating : IMPORTANT NOTICE- PLEASE READ CAREFULLY FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOUR ARREST AND INCARCERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: MI

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. XXXXXXXX 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 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. a ) 5 Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) 1 ) A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Glacier Bancorp Inc.
State: CO

Complaint narrative:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXXXXXX Glacier bank - XX/XX/XXXX XXXX via XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied for capital one credit card which offered XXXX XXXX XXXX XXXX XXXX on balance transfers. I was told I would have to wait XXXX XXXX from the date of application before I could do the balance transfer. When I called on the XXXX XXXX, it took an XXXX XXXX XXXX of talking with various agents and their supervisors before I got to know that they had a system issue. the supervisors kept repeating the same things again and again though I was asking different questions. Many times they did not let me finish what I was saying in their XXXX  of arrogance and defiance. Finally I was told to call the XXXX XXXX but the same thing happened again and I was still not able to do balance transfer. I asked if they could offer me some credit for the trouble but they said no. They also said no to reducing the balance transfer time or to checking with agents why they were rude to the customer. Overall it was a terrible experience and I would recommend people to avoid using capital one services, especially credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( ALLY FINANCIAL ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, but I received no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX loan is incorrect with balance over XXXX this not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX loan is incorrect with balance over XXXX this not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX. Attorneys at Law, located at XXXX XXXX XXXX XXXX, Texas, XXXX sue me on behalf of Bank of America XXXX I live in XXXX XXXX XXXX XXXX Texas, XXXX number XXXX at the court of law No. Three, asking for XXXX dollars , County court of law. I contact Bank of America and they check me and find that I do not owe them anything but refuse to give me a letter or talk with their attorneys. 
I ask for my XXXX SCORE and it came with XXXX points, and shows that I have no debts. I contact the attorneys ' office and let them know that I am not the person who they are looking for and that I do not owe anything. 
The plaintiff didn't show up on the day the Judge set for a trial, and the plaintiff was dismissed. I talked with the secretary of the attorney 's office and she told me that I was not the person who they were looking for that debt and that my name it is going to be removed from their database. 

Once again the attorney 's office appoints another lawyer and they are suing me. I don't know what happen to them. this is harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not a co-signer on this loan XXXX XXXX XXXX and this needs to be removed from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
This false debt on my credit report has been listed three times in different amounts owed from the same company. Your organization contacted GRANT MERCANTILE AGENCY and removed 1 of 3 filings. Why the collection company did not remove all 3 derogatory comments on my credit report at the same time for the same false collections amount is confusing. Can you please help resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX did not properly serve me in accordance with the law, nor did they provide me with validation of my debt. They sued me in court and I was not notified of the court date in accordance with state law. 

Capital One account. ( XXXX ) {$2500.00} The following alleged collection account was on a payment plan arrangement during XXXX and the amount you are reporting is not correct, nor is the amount owed. ( see attached document for details ) Under the XXXX XXXX  If you are current on payments and make special arrangements, creditors must report the account as current. 
If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
Late and missed payments CAN NOT be reported if you have already made arrangements. 
Charge offs may still continue to be reported as a charge off Some creditors may use a special code for natural disasters on credit reports for delinquent accounts, this is not required. 
XXXX does not consider disaster codes for credit scoring. 
XXXX will not use late payments with a disaster code for credit scoring. 

I had a XXXX positive test result which indicates I was effected by XXXX during the illustrated time line for the XXXX XXXX gave this information to the credit card company. 
They violated FCRA and compliant reporting standards. 


XXXX XXXX XXXX is not in compliance with all the XXXX XXXX reporting standards, and I'd like this account removed upon completion of investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. In XX/XX/2021 both XXXX and XXXX added a requested 7-year fraud alert to my credit files. However, in spite of EIGHT requests being sent to Equifax, I still have only a one year alert on my file with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Company is reporting a lot of inaccurate and negative information on my personal credit report. I have attempted to dispute several times with them continuing to defame me. Along with the various companies that are attempting to extort payments on alleged debts. These companies have used my credit card number improperly and unlawfully. They are defaming me on a daily basis with negative and inaccurate information. From fake names to fake addresses. To just plain old negative information. I have attempted many times to resolve these issues with billing errors, alleged debts, identity theft, and the continued violation of privacy afforded to me through various federal and state laws. I feel attacked and defamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
I am not a co-signer on this loan XXXX XXXX XXXX and this needs to be removed from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
I am not a co-signer on this loan XXXX XXXX XXXX and this needs to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: IL

Complaint narrative:
I have know knowledge of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I have been receiving nasty calls from Caine and Weiner since mid XXXX. When I ask what is the nature of the calls the agents get upset and rude. Today on XX/XX/22 I received mail. I called and advised that the debt was paid. The agent still insisted that I pay. I spoke with XXXX who advised me that I no longer owe the debt and correspondent has been sent to Caine & Weiner company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Metallicus, Inc.
State: CA

Complaint narrative:
I am trying withdraw my XXXX XXXX XXXX crypto money and the company will not prcoess the transaction. They claim I have hit my daily limit which I have not. Their other wallet named XXXX has no limits and conveniently for them it also will not process a withdrawal unless it's a transfer to metal pay their other platform. The total amount id over XXXX. I have tried many withdrawals in small amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I purchased SEO/digital marketing services on XX/XX/2022 from XXXX ( XXXX XXXX XXXX/ ), following a conversation with the company 's sales representative, XXXX XXXX. I explained to him that I had hired another SEO/digital marketing service in the past, which did not deliver on what it promised, and he assured me that XXXX would be able to successfully rank my website within 90 days. I submitted {$900.00} USD payment via my Chase Bank debit card on XX/XX/2022. Subsequent to the initial XXXX period, the company sent me another invoice to pay another {$900.00} USD for an additional 90 days of SEO/digital marketing services. They then assured me ( see attached ) that SEO sometimes requires a longer period of time but that my website should be ranked within 180 days. Despite numerous messages to the company ( see attached ), expressing my dissatisfaction at the lack of traffic my website had received ( see attached ), the company then sent me a third invoice, requesting another {$900.00} USD and then changing the anticipated timeframe for ranking my website ( see attached ). 

I subsequently contacted Chase Bank, N.A. to file a formal dispute, explaining that the service paid for was not as described by the merchant. Chase Bank initially advised that it would be able to potentially recover {$900.00} of the {$1800.00} total I paid. I agreed to this at the time I filed the complaint but received notification XX/XX/2022 that neither charge would be refunded due to " being outside of the XXXX window '' established by Visa. I explained to Chase Bank XX/XX/2022 that I did not dispute the charges sooner due to having been lied to by the merchant and, specifically, having been given changing timeframes for when I should expect results from the merchant. I requested a contact person at VisaXXXX with whom I could speak, and the Chase Bank representative refused to provide me with information about with whom I would need to speak to resolve the matter. I initially offered to provide Chase Bank with copies of the attached email communications with the merchant, proving my allegations, but Chase Bank declined these at the time and stated they would request them during their investigation. However, the investigation, I was informed XX/XX/2022, was " completed '' by Chase Bank, and nobody at the organization requested any of the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
The account is closed and want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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:
The following accounts added to my credit report are as a result of identify theft fraud Accounts XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX XXXX. XXXX XXXX, Acct. # : XXXX ; Date Opened : XX/XX/XXXX On XX/XX/XXXX, I sent a letter to TransUnion stating identity theft via USPS XXXX Mail ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received an updated credit report dated XX/XX/XXXX stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section XXXX of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

Attached is a copy of the following : - Original identity theft report - Letter to Creditor sent on XX/XX/XXXX - Certified Mail Tracking Confirmation ( received ) - Dispute result from TransUnion Report ( dated XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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