vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

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 2023-02-04 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: CA

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance 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 2023-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I had a XXXXXXXX XXXX XXXX administered by Comenity Bank. I made a final payment of {$46.00} in mid-XXXX XXXX and asked that the account be closed. 
**On XXXX XXXX XXXX, I received a letter from Comenity 's Customer Care Team . The letter states three specific points : ( 1 ) " Your account is now paid in full. Your talbots credit card balance has been {$0.00} since we received your payment of {$46.00} on XX/XX/XXXX. '' ( 2 ) " We've closed your account, as you requested. '' ( 3 ) We've shared this information with the three major credit bureau reporting agencies. '' Taking the letter at its word that the account had a XXXX balance and had been closed, I assumed the account had indeed been closed and never used the card again, making no further charges or payments. Neither XXXX nor XXXX ever reported it as an open account since XX/XX/XXXX. 

**On Friday, XXXX XXXX XXXX, I received a notice by email that my account was " seriously overdue. '' The notice included a current balance of {$160.00}, apparently in accumulated interest and fees on an account with a XXXX balance as of XX/XX/XXXX and no further use since that time. 

**On Wednesday, XXXX XXXX XXXX, I spoke by telephone with " XXXX XXXX a Comenity Customer Retention Specialist. She informed me that I had no option but to pay the accumulated balance. 
I want to pay what I legitimately owe, but I do not believe I should be forced to pay interest and late fees on an account that was reported to me to have a XXXX balance, that was closed more than eight months ago, and that has not been used since. Please look at this matter and give me some assistance. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 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: CA

Complaint narrative:
In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$360.00}

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 2023-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: ID

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX used a consolidation loan and the issuer of the loan paid this credit card directly with check # XXXX for the amount of {$620.00}. It was written on XX/XX/XXXX and deposited on XX/XX/XXXX. The depositor was XXXX. Supposedly this is the bank that Fortiva uses. I've reached out the the credit union and complained to them and Fortiva but no one seems to know what happened to the {$620.00}. Last week on XX/XX/XXXX. The credit union and myself called together Fortiva to find out where the funds went and to have it credited to my account along with getting the interest charges dropped for this amount and the time. It was supposed to only take 2 days. Myself nor the credit union have not heard back from Fortiva. These funds have been missing now for nearly two months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My TD Business bank account was closed in XXXX due to their own random suspicions. I was told I'd get a letter in the mail with a cashiers check. It was never received and I've visited the branch multiple times and have been left hanging. 

The name of my business, " XXXX XXXX XXXX ". 
My account was closed with {$22000.00} in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account Victoria Secret Commentity bank credit card, has violated my rights. 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B A creditor can 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 non-monetary relief
Consumer complaint received 2023-02-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my card was charged for {$4300.00} for servuce not provided? I have not agreed to any services with this facility that charged me. I was told that my card will not be charged. There was no finalized medical care agreed by me with the facility. I have not received any Medical Care from this Facility. If agreed to care i was going to be charged when my care was finished with the clinic. My care never started with this clinic and no final date for Medical Services has or was agreed with the facility, there for i have opened this claim, and i am stating that this charges are unauthorized since were made without my consent. I have tried to contact the facility multiple times and wasnt able to get anywhere. No one has talked with me or try to help me. I have also contacted citibank mulitiple times in regards to this matter with no resolution in site.

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 2023-02-04 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:
This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.

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 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX credit card, has violated my rights. 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B A creditor can 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 non-monetary relief
Consumer complaint received 2023-02-04 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:
This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.

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 2023-02-04 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: GA

Complaint narrative:
This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is incorrect personal information 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 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
As per my attorney below, I totally paid off the XXXX XXXX bill. I went to XXXX XXXX and they denied me a new account incorrectly stating that I owed them money. This account is paid in full. See the correspondence from my attorney : " We have been contacted by consumer XXXX XXXX XXXX regarding the above referenced account. A check marked payment in full was accepted and cashed by CCS Collections. A copy is enclosed for your convenience. The cashing of the checks indicted your willingness to accept the amount tendered as full and final payment of XXXX XXXX debt. Please immediately remove any negative comments from XXXX XXXX credit reports as this debt has been satisfied. '' I have included documentation from my attorney stating the same.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: GA

Complaint narrative:
I am submitting this Complaint as a follow up to my previous CFPB Complaint requesting the correction of some of the disputed accounts reporting erroneous information on my Credit File. Under the provisions of the Fair Credit Reporting Act, I am entitled to request an investigation on XXXX XXXX XXXX at no cost and have you correct ant inaccurate and misleading information on my Credit File. Please correct and or remove the following accounts : XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Reference # : XXXX. You have been claiming that these accounts are accurate and yet you have been sending me no documents to support such claims. Without such important documents, I expect that these accounts be immediately fixed 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 2023-02-04 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: GA

Complaint narrative:
I am submitting this Complaint as a follow up to my previous CFPB Complaint requesting the correction of some of the disputed accounts reporting erroneous information on my Credit File. Under the provisions of the Fair Credit Reporting Act, I am entitled to request an investigation on XXXX XXXX File at no cost and have you correct ant inaccurate and misleading information on my Credit File. Please correct and or remove the following accounts : XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Reference # : XXXX. You have been claiming that these accounts are accurate and yet you have been sending me no documents to support such claims. Without such important documents, I expect that these accounts be immediately fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal created an account on my behalf without my consent and knowledge. PayPal kept sending emails to inform me that they restricted my ability to use the account they created on my behalf. I am not able to make purchases online through websites that use PayPal. I contacted PayPal and asked them to delete any account they created without my consent. Unfortunately, they refused to do so and asked me to provide sensitive personal information like driver 's license and utility bills via email. I refused to share my personal information with them. I contacted my financial institution/ bank to cancel my credit card and issue a new one. I don't want XXXX to have access to my credit card account. I tried to make purchases online, but I was not successful due to the restrictions imposed by PayPal. I am seeking your assistance in resolving this issue and being able to make purchases using my credit card without any interference from PayPal. I also would like to close the account that PayPal created without my consent.

Company response to consumer: Closed with non-monetary relief