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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( Experian, XXXX XXXX XXXX ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - 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

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: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Walla Walla
State: OR

Complaint narrative:
Explanation of complaint : I went to the hospital at XXXX XXXX XXXX XXXX XXXX XXXX Wa. had XXXX XXXX removed and after I was healed up I went to a follow up with the doctor that did the Procedure at his office at XXXX XXXX XXXX and he told me the procedure was not necessary and that the hospital did it to make money off of me and I wouldnt get a bill from him never got a bill in the mail from him one day I get a letter from collection bureau of Walla Walla after the doctor retired or moved and I told them the same I was told and disputed it and I filled a complaint with Washington department of health and am still waiting to hear back today XX/XX/22 I got a notice of small claims and says I have 14 days to respond case # XXXX out of XXXX XXXX before I had a chance to hear back from my complaint I had made just got the bill today XX/XX/22 from the doctors office by email and Im not disputing all of it only XXXX of it Im disputing I made a complaint to XXXX XXXX XXXX XXXX and they waved all cost because of what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/2022 I was sent mail stating an attempt to open an account in my name was unsuccessful. 

XX/XX/2022 I contacted US Bank and they confirmed the fraud and directed me to place a fraud alert with the credit bureaus and the FTC

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: 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:
For over 2 years Experian have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute the incorrect information it comes back verified even though I provide proof of the incorrect information and they saying it come back correct because the social is correct. so i went to XXXX and now it has been deleted from XXXX. I ask Experian to remove this Bankruptcy since XXXX is no longer publishing it and they violate my right by not deleting it and still reporting on my credit. 
I am not disputing the Bankruptcy but disputing is not 100 % accurate. 
I have also ask Experian to disclose who they verify that information from so I can take the appropriate action.

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: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am having issues with XXXX XXXX XXXX CBNA. This card I am an authorized user. My mother XXXX XXXX is the primary card holder. She added me to this account in XXXX when I was a minor and I didn't consent nor want to be added. The company has refused to remove me. I have filed disputes with XXXX as recently as XX/XX/XXXX and tried to call the company myself and they told me they wouldn't remove me unless the primary cardholder allowed them to. I reached out to my XXXX  and XXXX  mother and tried to get her to remove me and she has refused and ignored my pleads. The account has currently no balance. I have attached the dispute report and text messages I have sent to my mother to remove me.

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 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: IA

Complaint narrative:
The comenity website is currently down, every time I tried to log in to submit my payments, its says theres a glitch and could not log me in. This has happened on both of my credit cards from Comenity, my XXXX and XXXX XXXX cards

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

Complaint narrative:
I have a XXXX XXXX XXXX through Comenity Bank and I can not call them, I cant speak with no representatives, I cant make a payment, I cant access my account, I cant do anything and its seem very shady because their system has been down for days! Ive been trying to make a payment since XX/XX/2022 and can not make any sort of payment!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.

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: GA

Complaint narrative:
XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, TransUnion and XXXX are reporting these inquiries I would like them to remove them.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently disputed two negative accounts reporting on my credit portfolio. 
XXXX - XXXX XXXX - XXXX I've contacted both Experian and XXXX. XXXX never responds. Experian responds and says information has been updated. Still, I see no change on my report. Both accounts have inaccuracies reporting. The dates the accounts were opened are both inaccurate. The dates of last activity and last payments are both incorrect. XXXX is being very sloppy and unprofessional by not responding to any of my requests. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating the account to prolong it being on my credit report. I have emailed and sent certified mail copies of proof that the information being reported is incorrect.

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: AZ

Complaint narrative:
My account was closed without my knowledge. I can not make a payment due to website supposedly doing a scheduled update. Tried to call company to make my payment over the phone and find out why my account was closed. Company is not taking calls and the call gets automatically disconnected. I do not want this to affect my credit.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX 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 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXXXXXX 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 a account without my written instructions

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: MD

Complaint narrative:
CFPB Write up 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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
It was XXXX when my phone and debit card were both stolen. XXXX XXXX, you can read app and text messages/notifications with your phone locked. That is how the money was stolen from the card. I immediately locked my debit card and ordered a new one. XX/XX/2022 a transaction for {$700.00} was posted on my account. The merchant was an online tech company, XXXX. Before this, I had never heard of it. The Capital One support team were very minimal with questions, which may also reflect on the extent of their investigation. My fraud claim was denied twice, even after explaining that my phone and card were stolen. They would not provide me with any reason for denying the claim.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 1XXXX XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXUS DEPARTMENT OF EDU XX/XX/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

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I call XXXX XXXX directly to cancel my auto policy because I was starting a new auto insurance policy with another company. I seem to have still been billed 2 months after making a call to cancel in XX/XX/2019. So I was charged a total of {$700.00} which includes the remaining amount of the premium. Now in collections with CCS Collections. I reached out directly to XXXX XXXX when I received the email notification and they responded that my account was never canceled but could see where I called but could not pull the call for proof.

Company public response: Company believes the complaint is the result of a misunderstanding
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 information incorrect
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I have an XXXX XXXX on my credit from Capstone and I have provided my marriage certificate and my drivers license to show that my name wasn't XXXX in XXXX. I have been married since XXXX so my old license was destroyed when I changed my name but the collection agency said they are not removing it because it was me The representative that I spoke to was rude and nasty and didnt want to hear anything I had to say when I called to find out how could I have gotten a apt in my maiden name 5 years later when I havent used my maiden name since XXXX. I am sending over this complaint to see if I can get some resolution to my problem. Thanks.

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: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I used my XXXX XXXX debit card to pay {$500.00} to my XXXX credit card on XX/XX/XXXX. XXXX XXXX said it was accepted. On XX/XX/XXXX I messaged them asking why it hadn't been posted yet. They responded they never recieved the payment. On XX/XX/XXXX XXXX XXXX confirmed it had paid XXXX, with the TraceID XXXX. On XX/XX/XXXXXXXX XXXX  sent a letter saying they would look into the issue and temporarily credited my credit card {$500.00}. On XX/XX/XXXX they rescinded the amount, with a letter saying they were unable to accomodate. Since XX/XX/XXXX, they have been crediting and debiting my account as follows : XXXX : XXXX XXXX Card XXXX {$500.00} Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment-payments {$500.00} Interest Charge XXXX Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment Payments {$500.00} XX/XX/XXXX : XXXXXXXX Card XXXX XXXX {$500.00} Interest Chage - {$16.00} Late Fee - {$29.00} Interest Charge - {$16.00} Late fee - {$29.00} XX/XX/XXXX Late Fee {$29.00} XX/XX/XXXX Interest Charge XXXX XX/XX/XXXX XXXX Payment - {$100.00} XX/XX/XXXX Adjustment Payments {$500.00} XX/XX/XXXX Late fee {$29.00} XX/XX/XXXX Interest Charge {$21.00} XX/XX/XXXX XXXX XXXX Card Payment - {$100.00} Currently, my balance is at {$1000.00}, with - {$310.00} available credit. I have called XXXX, XXXX, and XXXXXXXX XXXX  mulitple times. I don't know how to move forward. Venmo has seemingly closed my dispute. 

In summary, XXXX has at the very least made too many adjustments, leaving me short {$500.00}, as well as incurring multiple late charges.

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: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, all of my money has been being held by Citi bank since XX/XX/2022 and I have not been able to access my own funds. I have both Checking and savings accounts with Citi Bank and am also a Priority client. Citi will provide me no information and are of no help. They have blocked my account and have told me it is in the process of being closed and could take 90 day which is ridiculous as I have no access to any of my money. This seems to have started when my employer direct deposited funds into my bank account as usual.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that Equifafx, XXXX and XXXX are reporting these inquiries I would like them to remove them.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, XXXX and Experian are reporting these inquiries I would like them to remove them.

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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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