vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 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: GA

Complaint narrative:
US DEPT OF ED/XXXX IS ILLEGALLY trying to collect on a time- barred debt by reporting a balance I do not owe on my consumer report. New york has a statute of limitations of 3 yrs to collect on a debt. The alleged debt was opened XX/XX/2017 in NewYork- this account is past the statuue of limitations to collect on.

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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
From XXXX a total of {$1500.00} was taken from my account without my knowledge or permission, I filed a claim with Wells Fargo but my claim was denied for insufficient reasons. I've received mail saying my claim is closed.

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 2022-07-02 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: WA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX DBA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
I see a new item with JEFFERSON CAPITAL SYSTEMS as XXXX XXXX. The reported debt is listed for {$260.00}, and recorded as in collections starting XX/XX/2022. The XXXX account is not from recent years and in my knowledge, was closed out without a balance and paid. I have not received any proof/verification of the debt from JEFFERSON CAPITAL SYSTEMS, nor details about when the debt was purchased. This is damaging to my credit reports and scores. I have also contacted XXXX in the past for debt verification, and it was never furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In 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 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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I paid for a hotel room through an app for XXXX via my phone using my Bank of America XXXX XXXX credit card. I also paid the added cost of insuring the room 's availability. When I got to the hotel, the clerk told me the room was given to someone else and no other rooms were available. I could not find another room in a safe hotel in the area and my family and I had to sleep in our van. The price I paid was {$330.00}. I initiated a dispute through my credit card company. The dispute failed and I incurred the cost on my credit card. The Bank of America XXXX XXXX representative told me the letter from XXXX stated that the hotel tried to make accommodations but because of the circumstances, couldn't accommodate me nor refund the money. That explanation did not make sense to me and I feel my credit card company should have done more to protect their consumer. I have since cancelled my card over this problem.

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
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I received a Bill from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$210.00} and PAID this Bill in Full on XX/XX/2022 via my XXXX Bank Electronic Bill Pay Service. 

I later received Correspondence from Professional Finance Company, a Debt Collection Agency, for this very same Bill. 

I contacted XXXX, who would not address this Issue with me and was referred back to the Debt Collection Agency. 

I have provided Professional Finance Company, XXXX ( XXXX ) Separate Proof of Payment Documents from XXXX Bank, which Professional Finance informs me that XXXX will Not Accept as Proof of Payment. 

I have PAID this Bill. My Bank has Confirmed that the Transaction was Processed/Paid, however, XXXX and Professional Finance Continue to Refuse to Acknowledge Payment. 

XXXX states that they do not show the Payment Transaction in Their System. 
XXXX Bank shows the Payment Transaction as Processed/Paid to XXXX. 

I need help in resolving this Dispute in Collecting a Debt that I have already paid. 

Your Assistance in helping me to resolve this matter is greatly appreciated. 

XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have an Ulta brand XXXX through Comenity bank that I have had on almost 6 years. I have been a platinum Ulta rewards member since then meaning I spend at least $ 1200 yearly and I have never missed a payment on this credit card. I use my card actively. I have been unable to use the card for the past month and am unable to log into my account online. In addition, comenity bank reported my account closed to XXXX on XX/XX/2022 without notice or any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have two cards with Comenity Bank. I haven't been able to log onto their websites to pay my bill for over 2 weeks. I have tried using the automated voice system to make payments as per Comenity 's instructions and that method doesn't work either. What's worse is Comenity has ghosted millions of customers and they will not provide answers to what is going on. I'm fearful that they have been hacked and that the personal information of millions of customers including back account information has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XXXX XXXX two transactions were made on my chime account at XXXX XXXX XXXX store one for {$120.00} it was a withdrawal and the other was {$17.00} I disputed them once again they were denied and they denied my claim after not even two hours they couldn't have done anything about my claim this isn't the first time they have done this over XXXX XXXX dollars is just gone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Modern Asset Management, Inc.
State: TX

Complaint narrative:
XXXX sent me emails in XX/XX/XXXX stating that I was past due when I was not. They called me at the following time regarding a collection and they sent emails saying I was late too. I had already made my payment on time. They took 10+ days to post the payment. That is not my issue. They clearly violated my rights with calls before XXXX local time ( CST ). 
They called from XXXX to XXXX XXXX follows : XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX, XXXX, and XXXX CST XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX CST XX/XX/XXXX called at XXXX CST JXX/XX/XXXX called at XXXX CST ( date shows yesterday ) Then in XX/XX/XXXX- I made my payment on time but they sent me email and called when my payment was made on time XXXX for FDCPA violations In XX/XX/XXXX, I asked for their help in resetting my password, and they refused to send me a new password. I can't validate my account # because I can't get into the online system. If you look at the email thread, they had the information they needed to assist me, however, they chose to play games with me. 
Attempt to reset password attachment I sent them a demand letter as I was tired of being treated this way. They acknowledged the letter sent XX/XX/XXXX and did nothing. I sent same letter via USPS and chose to ignore it as well ( tracking # XXXX delivered XX/XX/XXXX ). 
Ack of letter attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX  Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.

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 2022-07-02 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, 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 2022-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have notified XXXX and experian several times that the XXXXXXXX XXXX account does not belong to me. The original contract of the account contains an invalid address that is not verifiable. The contract includes a name that is not my full name and a signature that isn't mine. I have provided valid Ftc reports to both XXXX and Experian but they refuse to remove the account even though the information on the contract is unverifiable and they have been notified I was a victim of 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 2022-07-02 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with Affirm, the seller ( XXXX ) of the product didn't credit my Affirm account, once they received the product back in their stock. I then opened a " Dispute '' with Affirm, so that they would investigate and provide a resolution. Affirm 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with Affirm. With the account in good standing I then ceased to make any further payments, until I received their resolution. Affirm 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, XXXX, XXXX and XXXX. XXXX 's data has the Affirm installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask Affirm to please contact XXXX and remove this incorrect data from my credit report. I tried to file a dispute with XXXX and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. Affirm is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to XXXX in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX. {$1100.00}, {$960.00}, {$950.00}, all of these XXXX identify theft- XXXX XXXX XXXX XXXX {$52.00}, {$61.00}, {$55.00}, {$52.00} - XX/XX/XXXX XXXX XXXX XXXX. All these are Identity thefts My name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Colorado XXXX XXXX my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX ( ACCT # XXXX ) has violated my rights. 
XXXX XXXXXXXX XXXX ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights CREDIT XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights to privacy.

15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: AR

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. XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Depth of Ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 antidotes the report by more than seven years 15U.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 in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: AR

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. XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Depth of Ed XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 antidotes the report by more than seven years 15U.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 in accurate.

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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.

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