vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- Account number : XXXX 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 15 U.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 antedates the report by more than seven years.

15 U.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 inaccurate.

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 2022-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I noticed when checking my credit report that a late payment was reported by Comenity to the credit bureaus. As explained over the phone, I believe that this was due to an issue with the paperless statements not being sent to me. As soon as I realized I had a balance on this card, I paid the balance in full. I've since set up autopay to pay the entire statement balance each month. 
I am under the impression that Comenity as a creditor must mail or deliver ( via email ) a periodic statement as required by XXXX for each billing cycle at the end of which my account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. 
As mentioned previously, I had not received a statement and had no way of knowing that a payment was due on this card. I believe that by me not receiving a statement, this prevented me from making a timely payment due on this account. 
I messaged Comenity attaching a copy of my email inbox containing all estatements sent to me for this account this year. As they could see, I did not receive any statements for this account prior to XXXX of this year. I am signed up for paperless billing and believe I should have been receiving these statements via email, as nothing was coming via postal mail either. I believe this was a technical issue or a glitch with Comenitys statement delivery and I should not be held responsible or penalized for their failure to issue me a statement as required due to technical issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: IL

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account XXXX : XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : US DEPT OF EDUCATION # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXXhas 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 15 U.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 antedates the report by more than seven years.

15 U.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 inaccurate.

in accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a { {$1000.00} } fine. Note that a copy will also be sent to FCRA.

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 2022-11-08 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 and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a 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 2022-11-08 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, 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 15 U.S.C 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 2022-11-08 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-11-08 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: IL

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XXXX Last XXXX Digits of Social Security # : XXXX 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 Bank : # XXXX and 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 15 U.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 antedates the report by more than seven years.

15 U.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 inaccurate.

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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I sold my phone through market place on XXXX and the buyer scammed me. He pretended to set up the payment process through XXXX pay because it was more legitimate than others and more secure. I had never used XXXX XXXX and he was aware of that and that I wasnt familiar with the process. I got an email starting the process saying I had to ship the phone first and email them with the tracking number. The buyer got an email saying he had to deposit {$300.00} first to make my XXXX pay a business account to receive the payment. He did that and got them refunded and even sent me a confirmation email. I started getting sketchy emails requesting more money for verification and government approval. The emails seemed odd but I had never done any of this. I couldnt contact XXXX or XXXX marketplace to further investigate. What made me do the process is that he sent me a screenshot of the refund process from the same email I was getting them. I sent a total of {$500.00} through zelle and my bank wont give them back. I never got the {$350.00} for the phone. I couldnt contact anyone about this other than my bank and police who wont do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Kohls made a {$2700.00} ACH transfer out of my Bank XXXX XXXX that was not authorized by me. When I called, they told me there were large charges made to my account that I did not make. I spent days calling Kohls and Bank XXXX XXXX to try to resolve this issue. Finally, on XX/XX/XXXX, a credit was made to my bank account. I am a teacher and this unauthored ACH transfer was over 60 % of my net pay. This caused significant stress to me personally. To prevent fraud on my account, I followed Kohls instructions and established a verbal code word that would be asked each and every time I called to verify it was me. In additional I validated my mailing address. Kohls completed their investigation and issued me a permanent credit of {$2700.00} due to fraud. They told me they would issue me a new credit card and mail it to me. 
On XX/XX/XXXX, I called the Kohls Customer Service number, and they did not ask me my verbal code word which was established after the fraud. I asked them if they had sent me a new card and they said yes. I asked what address they sent the card to, and they said : XXXX XXXX XXXX Unit A XXXX, FL XXXX When I found out my new card was sent to the wrong address, I requested to talk with the Fraud Department. Customer Service initially said they could provide a number but could not transfer me to Fraud. At the beginning of the call I told them I had a friend, XXXX XXXX, on the line and I authorized her to listen and ask questions. My friend, XXXX, asked for this issue to be escalated to a XXXX  and they then transferred me to the Fraud Dept. The Fraud Dept. did not ask for my verbal code which was established to prevent fraud on my account. I told them what happened and they said they would send a new card to the correct address and terminate the one sent to the wrong address. 

This issue represents a lack of controls to prevent fraud, inadequate training, and the ability of someone inside of Kohls to make unauthorized XXXX transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXX bill that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved

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 2022-11-08 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: GA

Complaint narrative:
Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXX bill that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved

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 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
( XXXX  INC ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3600.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2022-11-08 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: VA

Complaint narrative:
Tried to buy a car and was unable to get approved, information on XXXX credit report showed information like lease with XXXX XXXX and various credit cards and accounts for someone in Maryland.I have never lived in Maryland or opened any of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all XXXX agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and Iam req proof of debt. Last payment for XXXX shows XX/XX/XXXX, and transunion shows XXXX, XXXX XXXX. Account status for XXXX shows collection and transunion shows open. Last payment for XXXX show XX/XX/XXXX, XXXX shows XX/XX/XXXX and transunion show XXXX XX/XX/XXXX. Please remove this off my credit reports.

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 2022-11-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all XXXX agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and XXXX req proof of debt. Last payment for equifax shows XX/XX/XXXX, and XXXX shows XXXX, XXXX XXXX. Account status for equifax shows collection and XXXX shows open. Last payment for equifax show XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  show XXXX XX/XX/XXXX. Please remove this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
I was given four Visa VanillaGift cards as a gift from a client in XXXX of 2022. XXXX of the cards were fine. When I checked the balance of the other card on the VanillaGift website in XXXX of 2022, I discovered that a transaction for the full amount of the card occurred in XX/XX/2022 and that the card had a XXXX balance. I did not remove the card from the cardboard packaging until XXXX and had not used the card before that time. I assume that someone had fraudulently used the card. I called the VanillaGift customer service number on the back of the card and was told to file a dispute. I filed the dispute on XX/XX/XXXX. I called customer service several times for a progress report and was told it would take up to 90 days to resolve the dispute. 

On XX/XX/XXXX, I received a letter from lncomm by email stating that the card was used on premises at XXXX and that Incomm considered the dispute to be final and resolved. Again, I did not use the card and it had a XXXX balance when I checked it on VanillaGift 's website when I removed it from the packing in XXXX. 

On XXXX XXXX, I sent an email to lncomm objecting to their resolution of the dispute and asking for documentation showing that the card was used on premises at a merchant. I called VanillaGift customer service on XXXX XXXX seeking an update. I was told I would receive an email from lncomm within 24 hours. Having not received an email, I called customer service again on XXXX XXXX. I was told by the agent that the matter was final and that I had to contact the merchant to pursue the issue. I do not believe it should be my responsibility to resolve the issue with XXXX. 

I asked to speak to a XXXX and was on hold for more than XXXX minutes and then the call disconnected. This was not an unusual occurrence. Each time I called VanillaGift customer service regarding this dispute, the hold times are at least XXXX minutes and several times I was disconnected after holding for more than XXXX minutes. 

I've been getting the run around from lncomm and VanillaGift for 3 months and there is no sign that I will get a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Regions credit card over ayear and always paid my bill on time but the last few months I did not receive a statment I did speak to a manager XXXX but she could not help? Somehow I was put on E-Billing without my concent and never was notified? When I finally got a letter on XX/XX/2022 Stating my unpaid bill and my charge privileges have terminated and my {$340.00} cash rewards was revoked and my credit rating was damaged, all XXXX hade to do is send me a bill.I paid the bill on XXXX. Please Help!! 
.

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