vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My company XXXX XXXX XXXX XXXX in XXXX, MD has a customer who banks with M & T Bank. We entered into a payment arrangement with the customer whereby she authorizes us to prepare a check from her account and deposit it to our account at XXXX XXXX. To be clear my complaint is not with XXXX XXXX  but with M & T Bank. 
We prepared the check for the month of XXXX as we always have with the proper account number. The check was returned by M & T bank to our account with XXXX XXXX  with the notation that the Bank ( M & T ) was unable to locate the account. I contacted the customer and she assured me that the account number had not changed. We were charged {$12.00} by XXXX XXXX  as a result of the negligence of M & T Bank. We then prepared a new check on the same account and the check was paid. M & T bank needs to reimburse my company the {$12.00}, I went to the local branch of M & T and they were of no help. I received a call from the manager today. XXXX XXXX. When I explained the situation to her. she said they would need to charge her customer for the negligence of the bank. I said that is not right. She proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The website I use to pay my Ulta XXXX  card has been under repairs for nearly a week now and I cant access my card to pay it off and to get ahold of customer service is near impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
There were multiple fraudulent charges on my Barclays credit card on XX/XX/XXXX & XXXX. Barclays flagged these charges and contacted me. I went through the charges with a Barclays representative and two of the fraudulent charges I noted were from a merchant called XXXX XXXX XXXX. There were two charges from this merchant - one on XX/XX/XXXX for {$30.00} and one on XX/XX/XXXX for {$30.00}. Barclays closed my account and issued a new card. Initially only one of the fraudulent XXXX XXXX XXXX charges was removed. So I called back and asked for the other charge to also be removed. The representative I spoke with assured me that it would be removed. However, instead of removing the remaining fraudulent charge, Barclays added back the second fraudulent charge. Barclays also sent me a letter stating that I had personally confirmed the validity of both charges. I called back multiple times attempting to get the two charges removed. Eventually, I was given two {$30.00} credits to compensate for the fraud charges, but Barclays never actually removed them or deemed them fraudulent. The following week another {$30.00} XXXX XXXX XXXX charge was posted to my account and back-dated to XX/XX/XXXX. So at this point, I had three fraudulent charges posted on my account. After calling Barclays, they issued another {$30.00} credit, but again wouldn't remove the fraudulent charge. Now this week, Barclays posted a fourth fraudulent {$30.00} XXXX XXXX XXXX charge, also back-dated to XX/XX/XXXX. At this point, I have no choice but to close the card. However, it is clear to me that Barclays has a relationship with the fraudulent XXXX XXXX XXXX merchant. They repeatedly refuse to remove these fraudulent charges and keep adding a new one every week. I don't understand how they can be so brazen about defrauding their customers.

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 monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been attempting to make payments on my Comenity cards. I have New York & Company, Victorias Secret, Express, Ulta and BJs. The website to make payments has been down for almost a week, they wont accept payments online, called the company and get a message saying the call center is closed due to unforeseen circumstances. This is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, transunion and XXXX are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, XXXX and equifax are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report one hundred percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is one hundred percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX XXXX in accordance with the Fair credit reporting act XXXX  account # XXXX ] has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than 30 days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I called US Bank collection department. I advised the agent I had been referred to XXXX by US Bank and needed to determine the amount owed to get the account removed from the system. I was advised roughly {$1900.00}. I was advised to visit the branch to determine next steps to getting the old account ( s ) removed so I would be eligible to open a traditional checking account. I visited the XXXX branch of US Bank that day, however, when I requested to speak to a branch manager I was asked to, and agreed to, make an appt. for Tuesday, XX/XX/XXXX. I later canceled that appt. I visited the branch on XX/XX/XXXX and again told the teller I needed to resolve an old account that had been referred to XXXX. The teller called the collection department and was advised approximately {$2400.00} to get the accounts ( checking/savings/cash advance ) removed from XXXX. The branch manager, XXXX, came by and confirmed the payment would remove the accounts from the system so I could open a new account. I left the bank and returned with the cash to pay the debt. I scheduled an appointment for XX/XX/XXXX for the manager to confirm the accounts had been removed and to discuss opening a new account. 
I believe US Bank misrepresented the status of these accounts and was deceptive in their collection. I stated multiple times, to several employees, that the whole purpose of my contacting them was to remove these accounts from XXXX. The answer to my request should have been " we are not able to fulfill your request because there are no US Bank accounts of yours in XXXX to be removed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Several years ago we were going to claim bankruptcy. We decided not to do so. It still shows we filed bankruptcy. 

Thank You, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I bought a phone from XXXX XXXX  for {$59.00}. The phone was defective and I sent it back for a refund, they received it, and okayed a refund. Papal has been given notice of this by me and XXXX  but refuse to give me refund credit after many attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent letters within last 45 days in regards to me not being able to obtain a credit score or report from all three bureaus, this issue is causing a big XXXX because they are not responding to my letters and im paying for a credit monitoring subscription and still cant access a report. NO communication and no reports have been sent to my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was contacted by Venmo regarding an attempt by someone to send money to someone living at a refugee camp near XXXX, XXXX. I told them it was complete nonsense. They contacted me on XX/XX/XXXX and told me that someone made a mistake but that they wouldn't do that again. 

One XX/XX/XXXX - one week later!! - they were contacting me about a {$2000.00} transfer to someone from XXXX XXXX Bank. I told them it was fraud. They refused to help me unless I provided them with a picture of my driver 's license. Which has my full, legal name, my address, and my DOB. I'm not going to provide that to them to facilitate other schemes they may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation
State: MA

Complaint narrative:
XXXX XXXX XXXX has scoffed off with 6 months of my social security XXXX income by locking me out of account so I cant report disputes, cancel card on account, see anything account information except for the diwindling balance disappear and myself not able to eat or pay rent or anything all my government funding gone and only way to contact them is by email that you send over and over but no response or resolutions of any kind how to I even close such fraudulent accounts?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Account XXXX still shows on my after i recevied a letter from the company that it would be removed from 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