vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have now been passed off to 6 different people concerning my XXXX XXXX credit card. Unannounced to me the credit card was sold off to a comenity bank. It was not until I went to pay for my account that I noticed it was gone from the dropdown menu. I called the number on the back of my XXXX credit card. The number rang to a CSR at this comenity bank and they explained the situation. I made whatever payment was asked of me at the time and was never informed the credit card was delinquent. It is from this point on that this account has continued to spiral downward!! The account has been locked out and the information being requested can be verified through the XXXX and credit bureau and yet I am being forced to send information about my new address. I have also learned that nobody can access my account at this comenity bank because it is locked out ( which makes no sense whatsoever to me that nobody can access this account to help resolve the issue ). I have learned the account is being reported delinquent and comenity bank says to speak to XXXX on this matter and XXXX says to speak to comenity bank on this matter. I am an elderly XXXX person who has worked hard all his life to maintain a near-perfect credit score to just have XXXX and this new bank comenity ruin it. The last CSR with which I spoke at comenity bank had such a condescending attitude even after I reported that I had the banking commissioner on the other line filing a complaint. I received NO information on this conversion which each bank blames the other for. With what is going on in the world today these banks should not be permitted to abuse the consumer in such a manner. I wish to get this resolved for I can not even make a payment on this account because I lack the needed information in which to do so. I am also going to make this same complaint under your credit card tab. I thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The court of XXXX XXXX XXXX  ruled that support of this false debt should be provided, also I sent an emailed request to company Midland Credit Management advising this Is not my debt please provide any documentation showing it was. I received multiple harassing calls, I was never served a subpoena and never received any documentation of what is the origin of this debt with XXXX. I'm at a loss they want to garnish me in amount of {$2200.00} for fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MI

Complaint narrative:
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 RIGHTS TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX UTILITES DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.

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 2022-05-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because it is affecting my credit score.

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Below is a list of accounts and/or inquiries that we reviewed together and determined to be fraudulent : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX The automated system confirmed the XXXX XXXX Card application was received/denied. 

CHASE XXXX XXXX XXXX XX/XX/2022 XXXX XXXX confirmed the application for a XXXX XXXX card was flagged as fraudulent/denied. the hard credit inquiry will be removed within XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX advised the card had been closed as fraudulent. None of your personal information was used, just your name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a {$100.00} pre-paid debit XXXX issued by U.S. Bank National Association. The physical card expired XX/XX/19. A customer support phone number is not provided on the card. Numerous attempts to contact U.S. Bank directly to resolve my unspent funds have gone unanswered.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. I filed a complaint with the CFPB XX/XX/XXXX indicating that my dispute was not resolved. Its been well over 60 days now and Equifax is still reporting inaccurate inquiries on my consumer report! Their negligent actions are damaging my reputation and credit worthiness!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Today I applied for a reapproval for Affirm and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not affirm this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or before XX/XX/XXXX, Citibank established a checking account to accept XXXX payments. On XX/XX/XXXX, I paid a fraudster {$500.00} via XXXX to this Citibank account based on the belief that Citibank had completed required KNOW YOUR CUSTOMER diligence. After unsuccessfully trying to resolve this via my bank ( XXXX XXXX XXXX ) and Citibank and XXXX, I filed a police report in XX/XX/XXXX. Recently, the police informed me that Citibank informed them ( under subpoena ) that the account was in fact based in XXXX, not the United States, and that KYC processes had not been properly followed based on online account opening. Citibank also accepted that the account had been used in money laundering activities. 

Citibank failed to protect the financial system and failed to perform required due diligence in setting up a fraudster account.

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 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I have been trying to pay back this company with {$25.00} every 2 weeks because that is all can afford. So far I have paid {$850.00}. This loan was taken out in XXXX. They are saying that I still owe almost {$2000.00} and I believe that I have been paying only interest and extra fees the company has added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On my XXXX and XXXX Transunion Credit Report there is a derogatory mark on my account with reference to XXXX XXXX XXXX XXXX. I have explained that I closed my account with this organization in XX/XX/XXXX. My account was in good standing at that time. I believe that they are reporting on my mother 's account, XXXX XXXX. XXXX XXXX died XX/XX/XXXX. I have contacted XXXX XXXX XXXX and they are telling me to dispute the report which I have unsuccessfully. 

I am not personally responsible for the payments on this account and therefore, this should not be reporting on my credit account with Transunion. Any assistance in this matter would be appreciated.

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Someone applied for a credit card in my name that I did not authorize and I called Synchrony Bank and told them it was fraudulent, and they told me twice in 2 different phone calls that they would send the removal request of the credit inquiry to the credit bureau agencies. It has not been removed yet.

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 2022-05-24 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out 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 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates
State: FL

Complaint narrative:
I noticed this on my credit and this was paid off through the company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I have attached to this complaint. Even if I still owed XXXX it would have been XXXX payments under {$100.00} each not the {$310.00} they are posting 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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime suspended my account back in XXXX while I was receiving unemployment from XXXX  my account has over {$900.00} in it and Ive did everything they have asked of me and sent in every document that they have requested from me but they will not release my account so I can get my funds and they will not close my account Ive been going through this with this company since last year and still have not received any help they tell me my documents are invalid when they are directly from the unemployment site I just want and need my money and they basically have stolen it from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
There is a collection account on my credit report that is a result of identity theft. They will not delete even though I have send in FTC identity theft report and police 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 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
Eos CCA is trying to collect a debt i do not owe. it is negatively afffecting my credit scores and is preventing me from renting a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I traded a XXXX XXXX XXXXXXXX truck to upgrade to a XXXX XXXX XXXX truck, I was talked into leasing instead of purchasing the vehicle. The dealership this took place was at XXXX XXXX in XXXX XXXX and 3 months later they sold to XXXX XXXX. The contract I signed was a digital signature and the residual balance is {$22000.00}. XXXX has a different residual {$30000.00}. I have contacted XXXX XXXX multiple times and XXXX Consumer Affairs did not get any helpful advice other than XXXX stating that each dealership is independently owned. I filed a complaint with the Attorney General Consumer office and XXXX XXXX XXXX XXXX XXXX tried to help with the complaint reached out to XXXX and stated same results they told me. If this happened to me how many other people did this happened to. I will attach all documents I have regarding my complaint. Also the last person that was suppose to make a judgement on the case was XXXX XXXX XXXX Any help would be greatly appreciated, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
There is a collection account on my credit report that is a result of identity theft. They will not delete even though I have send in FTC identity theft report and police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: AL

Complaint narrative:
Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: AL

Complaint narrative:
Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Purchase direct from bestbuy.com Order was over XXXX they should have shipped signature only. Our home has a sign that states to NOT leave packages on the front porch. XXXX XXXX claims they delivered package but package was not to be found. Citibank is the credit card backer and per our own rights as a consumer, the shipper would be responsible for any claims against XXXX. Both companies are trying to push it off and make me contact XXXX which I have an XXXX stated I can not file a claim. I am currently out of XXXX and the attitude and disrespect from citibank and best buy is ridiculous

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 2022-05-24 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: KS

Complaint narrative:
I recently pulled my credit report and noticed the following errors hurting my credit and good character. I know it is my write to dispute this inaccurate information and have a reasonable investigation performed to remove the item. 

XXXX XXXX Account number ( XXXX ) ( XXXX ), Delete this charge off because you are reporting the date of last active, Transunion as XX/XX/XXXX XXXX as XX/XX/XXXX. also the account numbers are different on each report. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX  XXXX Account Numer ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX XXXX  Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

attached is a copy of my credit report highlighting the inaccuracies noted above regarding 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 2022-05-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX XXXX  Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate, the date last active is inactive, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 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