vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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: GA

Complaint narrative:
The Creditor, XXXX XXXX emailed me to fix my account. We agreed to start payments over starting on XX/XX/XXXX of {$100.00} a month til paid off but I am still receiving late payment alerts in my email so I disputed and stated I made a plan with XXXX XXXX. And the dispute came back the same no change. 


XXXX XXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXX PM Visit XXXX  XXXX Congratulations! Your payment plan is now set up. 
Product Name : XXXX Account ending in XXXX Here 's your plan summary : Thank you for setting up your payment plan on XX/XX/XXXX. Your total to be paid is {$2400.00}. 

Installment breakdown : # Date Amount Status 1 XX/XX/XXXX {$100.00} Scheduled 2 XX/XX/XXXX {$100.00} Scheduled 3 XX/XX/XXXX {$100.00} Scheduled 4 XX/XX/XXXX {$100.00} Scheduled 5 XX/XX/XXXX {$100.00} Scheduled 6 XX/XX/XXXX {$100.00} Scheduled 7 XX/XX/XXXX {$100.00} Scheduled 8 XX/XX/XXXX {$100.00} Scheduled 9 XX/XX/XXXX {$100.00} Scheduled 10 XX/XX/XXXX {$100.00} Scheduled XXXX XX/XX/XXXX {$100.00} Scheduled 12 XX/XX/XXXX {$100.00} Scheduled 13 XX/XX/XXXX {$100.00} Scheduled 14 XX/XX/XXXX {$100.00} Scheduled 15 XX/XX/XXXX {$100.00} Scheduled 16 XX/XX/XXXX {$100.00} Scheduled 17 XX/XX/XXXX {$100.00} Scheduled 18 XX/XX/XXXX {$100.00} Scheduled 19 XX/XX/XXXX {$100.00} Scheduled 20 XX/XX/XXXX {$100.00} Scheduled 21 XX/XX/XXXX {$100.00} Scheduled 22 XX/XX/XXXX {$100.00} Scheduled 23 XX/XX/XXXX {$100.00} Scheduled 24 XX/XX/XXXX {$100.00} Scheduled 25 XX/XX/XXXX {$36.00} Scheduled You can view your payment plan details at any time. 

View Your Payment Plan Important Information from XXXX  XXXX If you are concerned about clicking links in this email, please call XXXX. 

Contact Us | Privacy | Help Prevent Fraud | Dispute this account | Learn more about this balance

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 2022-07-09 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: CA

Complaint narrative:
I went online to the Annual Credit Report website today, XX/XX/XXXX, check at least one of my credit reports. I attempted to access Experian, but there was a computer error so I went directly to the website. I noticed inaccurate personal information that I wanted to dispute along with hard inquiries that I did not recognize. I attempted to file the disputes online but the site information stated that I would have to dispute the information over the phone. During that time, ads popped up to check for preapproval of credit cards. I did what I thought was a pre approval then immediately after I received a hard inquiry alert for TWO credit cards. It turns out the information I completed was an actual application, despite what it says on Experian 's website. I contacted the credit card company, XXXX XXXX ( not XXXX XXXX ), to verify the information and have any applications and pending information cancelled. Experian is very misleading. Hard inquiries were performed without my knowledge. I also never received any follow-up information from the " pre approval '' credit card company. Hours later I received two additional notifications from two different companies ( XXXX XXXX and XXXX ) about my " inquiry from Experian. '' I did not authorize or complete any information to allow those companies to access my information.

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 2022-07-09 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: DISCOVER BANK
State: MD

Complaint narrative:
Purchased a new living room sectional couch On XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX for the amount of {$2200.00}. Upon delivery the item being delivered was damaged. A replacement item was supposed to be delivered and an additional charge of {$890.00} was billed to my account 3 times. The Credit card company refused to refund the money to my account and provide a reasonable resolution regardless of the documentation and witnesses provided to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: MI

Complaint narrative:
I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via 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 non-monetary relief
Consumer complaint received 2022-07-09 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: MI

Complaint narrative:
I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via 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 non-monetary relief
Consumer complaint received 2022-07-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : 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 2022-07-09 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: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
On XXXX XXXX a company called XX/XX/XXXXXXXX took {$2000.00} from my checking account. 
I contacted the Umpqua bank to tell them that I had not authorized this transaction. They then cancelled the card that was used and issued me a new one. Ran an investigation and said I had authorized a third party transaction. Which I had not. So we called the number and it went to a square reader. The invoice issued to the bank clearly is fraudulent. There is no phone number for the XX/XX/XXXXXXXX XXXX. When I looked up address it is a farm house in Pennsylvania. No where had I signed or authorized this transaction as I have presented proof that I was in XX/XX/XXXXstaying in a condo paid for by another party. Even the dates is while I was gone. So I would not have approved another transaction for a stay when I was already staying at a prepaid condo that I had nothing to do with. I was a guest. I have never recieve anything from anyone nor can I call to get them to refund my money. As it has been a dead end every time. Bank says it is out of their hands. This is crazy

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 2022-07-09 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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.

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 2022-07-09 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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.

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 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NE

Complaint narrative:
I sent a written dispute letter to the EOS CCA with proof of the date of delivery being XX/XX/2022 its been 30 days which is the time they had to respond to the dispute but theyve failed to respond. The amount of the debt is {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: The Bureaus, Inc.
State: NV

Complaint narrative:
accounts are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
accounts are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : 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 2022-07-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : 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 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Company attempting to collect a debt during the moratorium of the COVID-19 pandemic. 
I never said that I was under bankruptcy protection and they are misrepresenting information relates to 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 explanation
Consumer complaint received 2022-07-09 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a promotional email on XX/XX/XXXX indicating a promotional financing offer on all new purchases made between XX/XX/XXXX and XX/XX/XXXX. I made several purchases that cleared on XX/XX/XXXX, but did not receive the 7 month promotional financing. 

I reached out via Barclays chat customer support line on XX/XX/XXXX after noticing interest was being charged to my account. The CS representative was unable to offer any APR reductions or offer the correct special financing period as initially indicated in the email.

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 2022-07-09 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 acXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I disputed information reported by Santander because it was inaccurate and the three Credit bureaus had different dates for payments and different dates closed and incomplete information, and missing information. I was asked to provide additional information by the credit bureaus so I contacted Santander and asked if they could email me the compy of whatever agreement that was signed stating I owed them. I also, asked the credit bureaus for debt validate. After contacting Santander to request this information. The representative I spoke to got angry and said he would not give me the information. Santander then reported this incorrect information XX/XX/XXXX, XXXX and XXXX of 2022 and opened the closed account reported that a payment was made when a payment was never made because this account had been charged off for 6+ years. This caused my credit score to drop significantly. I would like Santander removed from all 3 of the credit bureaus due to all of the information being different and inaccurate with each bureau. The disputes have been closed the the information is still inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: AZ

Complaint narrative:
negative information from this creditor is past 7 years and it never goes away. Creditor needs to delete this old account from the credit bureaus.

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 2022-07-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
negative information from this creditor is past 7 years and it never goes away. Creditor needs to delete this old account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: AZ

Complaint narrative:
negative information from this creditor is past 7 years and it never goes away. Creditor needs to delete this old account from the credit bureaus.

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 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV

Complaint narrative:
Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Both complaints are refunds are over the 10 business day policy time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 response to consumer: Closed with explanation