vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is my reply to your letter dated XXXX. 
You stated I was provided a copy of the " XXXX PRIVACY Policy " XXXX. 

What I did not receive was disclosure forms which by XXXX you are required to have on file bearing my signature giving you permission to transport my non public personal information. 

I am sure you can not provide the signed disclosure forms which is why you have FAILED to mention them or you simply are not informed as you should've. 

Your company should know or should have known this. 
I hope I am communicating with the employee assigned to handle Zales Privacy Issues. 


Are you up to par with firms responsibility to having assigned an employee that is familiar with the SAFEGUARDS RULES which is a RULE the LAW recently made a requirement for dealing with companies like XXXX Privacy Issues? 

Please provide signed Disclosures bearing my signature which would prove I was afforded the right to OPT in or Out of credit reporting in accordance with LAW. Please believe, I do not have a problem with your explaining to XXXX superiors why XXXX is spending {$300.00} to {$500.00} an XXXX to represent them in this matter because they can not provide signed XXXX forms bearing my signature giving my consent to report this information to the credit reporting agencies which would also cover the NOTICE requirement simultaneously. 

Remove this alleged account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Every time I try to get money out it blocks me saying it's suspicious activity so I have to call them and clear it and I told them before to take that off that I don't want that on there it's frustrating to me. So it happened to me again so I called them up and I'm speaking to the automated system and they said press one if these transactions were yours pressed one then I waited for somebody to come on in case if my transaction wouldn't go through and while I'm speaking to her she blocks me and I can't get it get any money out again and I told her that I was already verified and she said well there must have been a reason why you came to me I told her yes it was because I waited on the phone in case my transaction would not go through again. She then tells me I can't get verified because I didn't have my phone with me and I have to go into a Bank of America and show them two forms of ID and this is on a Sunday morning. Then the supervisor gets on after I waited 40 minutes for him to get on while I'm sitting in front of a Bank of America and all they have to say is sorry for the inconvenience. He was rude and unprofessional. They said for customer security I told them I didn't want it to take it off I don't want to have to go through a hassle every time I need to get my money they did nothing for me just made matters worse and the thing is that they know that I have to go through them because I get my unemployment through them so they think they can act anyway. I have something very important that I need to do today and I need that money and I'm not going to be able to get it.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I file a complaint with you guys 60 days ago the company responded stating I will have my money within 60 days and I still dont have my money I want to know what I do now! Make a police report? Get a lawyer? Because at this point my money was stolen by the bank and they wont give it back

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. The account that is to be removed is XXXX XXXX XXXX {$4800.00}. This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines , to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. The account that is to be removed is XXXX XXXX XXXX  {$4800.00}. This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines XXXX to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.

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 2023-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: NC

Complaint narrative:
XX/XX/XXXX. Ordered Internet services from XXXX XXXX. Was promised services I never received! 
XX/XX/XXXX. My credit card was charged {$200.00} for services not received. 
XX/XX/XXXX. My credit card charged {$200.00} for services not received. Numerous, lengthy phone conversations with company to try to fix no service problem with no resolution, so finally requested that my account be closed which they did not do. 
XX/XX/XXXX. Filed services not received with my credit card issuer, XXXX XXXX. Was refunded the total of {$400.00} which XXXX XXXX was automatically charging me for. After investigation by XXXX XXXX, {$400.00} refund was made permanent which meant that the charges were wrongly made by XXXX XXXX. 
Up until XX/XX/XXXXXXXX  received monthly bills from XXXX XXXX and Frontline debt collectors, for the amount of {$750.00}. 
Made phone call to Frontline explaining that I had never received ANY internet services from XXXX XXXX and therefore I did not owe them any amount of money. 
Spoke with Frontline 2 times, XXXX and XXXX, and XXXX XXXX in XXXX, Can provide proof of ALL phone calls if necessary, during which I asked for an explanation for the then amount of {$750.00} which was alleged that I owed and they could not give me an explanation!! 
I am requesting an investigation of this matter so that my excellent credit rating can be restored. This company, XXXX XXXX, are crooks and I am pretty sure they have done this to others and I would like to help stop these wrongful charges by them. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I literally got a refund from Apple and a dispute with them then it got fixed before that could even happen its been 10+ days with my account restricted requesting payments and all and I havent heard anything from support at Apple Card . They said we cant help over the phone you have to wait

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: NC

Complaint narrative:
I was charged late fees from the start of my loan and i was not late and then they have took double payments and chargen me very high interest rates and i am a XXXX veteran on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I had received a letter from javitch block and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand javitch block is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'VE NOTICED SINCE XXXX I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE XXXX ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS 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 explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis receive Money and Compensation from XXXX XXXX XXXX by providing XXXX with a Credit Report on me. XXXX after receiving the Credit Report from LexisNexis then denied me Automobile Insurance. 

Although LexisNexis knew who I was and everything about me when they received Money and Compensation from XXXX XXXX XXXX and provided a Credit Report on me to XXXX, LexisNexis now sas they do not know me.

LexisNexis refuses to give me a copy of any and all of the documents they gave to XXXX XXXX XXXX. 

The Federal Consumer Financial Protection Bureau is a failed agency with failed Management and failed Management Policies that accept any ridiculous responses from Lexis Nexis, then closes the cases of Consumers with no help or resolve and thereby allows LexisNexis to break the Federal Credit Laws of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
The company wont let me withdraw from my credit line even though I pay an annual {$80.00} dollar fee. They keep claiming it is a banking connection issue but this has been going on for several months now.

Company response to consumer: Closed with explanation