vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 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: DE

Complaint narrative:
XXXX XXXX Experian XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : Balance : {$0.00} No. of Months ( terms ) : 17 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : Comments : Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX, XXXX XXXX XXXX NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Date Last Active : Date of Last Payment : Two-Year payment history Month 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX this company has provided no proof but still reports incorrect in complete information on my report please remove XXXX  and XXXX have removed this account due to incorrect 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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX, my XXXX credit card was switched from XXXX XXXX XXXXXXXX to Comenity Bank without my knowledge. This involved new account number and cards even though I had several years left before expiration. At least XXXX of my automatic payments were not paid as a result. I called and was told I would receive a new card within a week. On about XX/XX/XXXX, I called again and was told I would receive the card the next day. I did not. On XX/XX/XXXX I received a bill by mail for {$190.00} which upon review accurately reflected some charges made before the new card was issued. On XX/XX/XXXX I sent in my payment. On XX/XX/XXXX, having still not received the card I called to cancel the account. I asked if they had received my payment, they said yes and verified the amount. I asked, " Do I now have a XXXX balance? '' and was told yes. I said, " Please cancel the account. '' She said yes, no problem. The next day I finally received the cards and shredded them. The new number was never activated. On XXXX XXXX I received an email bill from Comenity for {$25.00}. Upon calling I was told this was for a late payment. The due date was XX/XX/XXXX, I sent it in via XXXX mail on XXXX. Recall that the XX/XX/XXXX call confirmed their receipt and that I had a XXXX balance. The XX/XX/XXXX call claimed the payment was not received until XX/XX/XXXX. They promised to remove the late charge. I tried again to close the account and was told I would receive a mailed confirmation of the closure in XXXX week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: MO

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX  account # XXXX XXXX $ reported XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ reported XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX reported XX/XX/ XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX  acct # XXXX XXXX $ reported XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XX/XX/ XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/202XXXX XXXX XXXXXXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX account # XXXX XXXX $ XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section604 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 ) ( 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 beleieve 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 2022-11-26 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: MO

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ reported XXXX 2022 XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX account # XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX  acct # XXXX XXXX $ reported XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX XXXX # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ report XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX  XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX account # XXXX XXXX $ XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section604 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 ) ( XXXX ) 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 beleieve that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-26 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: Chime Financial Inc
State: MI

Complaint narrative:
Friday XX/XX/XXXX I didnt make a transaction with XXXX they took {$280.00} in my bank. So I file dispute with chime they told me will give money back then process investigation then this morning I got denied and was told Im not getting my money back. I need my money back that I didnt ask them to take my money from my chime card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified TransUnion through the CFPB portal of an account ( XXXX XXXX XXXX that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( XXXX XXXX ). TransUnion failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. TransUnion failed to Investigate both times according to federal law ( FCRA ), TransUnion haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. TransUnion and XXXX XXXX are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from TransUnion stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( XXXX XXXX ) that TransUnion furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. TransUnion WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. Respectfully, REP # 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 2022-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I do not know if the debt actually exists, but if it does exist, it is not mine. 

I moved out of an apartment 18 months ago. I had given a move-out notice months in advance, but the month we lived out, my roommate decided to stay. The property XXXX had the roommate sign a release, releasing husband and I from the lease agreement. The release took effect on the last day of the lease ( XX/XX/XXXX ). 

The apartment complex continued to contact me about the apartment, and I asked them to stop contacting me, as I do not have a lease with them. I eventually had to go in and write a statement becuase they lost my entire file except for the original lease and any documents relating to the roommate after we moved out. They agreed and stopped emailing me except for a couple emails when the roommate moved out. But nothing regarding a debt. 

My old roommate moved out about XXXX months ago. And I just received a call form a debt collector ( XX/XX/XXXX ) saying they the property XXXX imposed a claim against me for a total of {$310.00} for cleaning, damages, service fees, and water. They could not provide me with any documentation, and proof of damages or debt, or the dates the debt accrued. I also was not informed within 30 days of terminating my occupancy, as required by Florida State law. 

I told the collector the I hadnt lived in that apartment for 18 months and that the imposed claim was not mentioned until they called me. I then called the property XXXX. The XXXX of the office told me that they misplaced documents again and that if she cant find my file and the release then I am still responsible. I told her that I had given a move out notice, was signed off the lease, and wrote a statement for them when they lost the file the first time. 

After telling me that she would hold me responsible if she cant find the file, the XXXX said she would call me back later that day. Its been a week and she refuses to take my calls and tells her secretary not to let me speak to her. 

I called the debt collector back and they told me if I dont pay it, they will have to report it and it will hurt my credit. 

Ive exhausted all avenues. The property XXXX and the collections agency both refuse to provide me with any documentation or rational for the imposed claim and refuse to acknowledge that I moved out 18 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I had a debt with Convergent Outsourcing for XXXX originally set a payment arrangement with the company to pay the full balance owed. XX/XX/XXXX I made my first payment of XXXX. After making the payment, I asked the company for a receipt showing I made the original payment. I was informed that the payment arrangement was no longer in place because the payment came in a few days after it was originally supposed to. I again requested a receipt from the company showing my payment and on XX/XX/2022, I received an email from a Convergent Outsourcing supervisor showing the payment I made and stating the balance remaining on my account as being {$50.00}. On XX/XX/2022, I made the payment of {$50.00} and requested a letter from the company showing my account settled for a lesser amount. I called the company and told them I made the payment they requested and was informed that they would not honor my payment. I confirmed with the company that I received the letter from a Convergent supervisor with the authority to send this information and was later called by the director XX/XX/2022 saying my account with them would not be closed and it didn't matter what information they sent to me. I requested to speak with the board of directors for the company and the director told me this would be the last call I receive from anyone from the company in reference to closing and settling my account and that the account would remain open regardless of what was sent to me from the company.

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 2022-11-26 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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 reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 ( b ) a creditor can not treat a payment on a credit card account under an open-end consumer report as late for any purpose.

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 a.k 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 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Is a Gift Card Visa from VanillaGift.com I bought it at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX the Amount {$250.00} dollars I have problem to activate I call The XXXX XXXX they ask me for the receive I send all the information to the email : XXXX XX/XX/2022, XXXX XXXX  now they tell me that the card was used on XX/XX/XXXX for {$250.00} dollars in a restaurant How is it possible, if they told me that it took 5 to 7 days to activate it? 
but nevertheless they never sent me an email showing that the card was activated now they tell me that they are going to open a case XXXX ID : XXXX for me look like a scam because I never Used a card

Company response to consumer: Closed with explanation