vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Credit 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: TN

Complaint narrative:
It has come to my attention as of XX/XX/2024, upon reviewing my consumer reports with all three major consumer reporting agencies ( XXXX, XXXX, and XXXX ) I notice that there exactly 4 accounts reporting that are exactly the same. These accounts XXXX XXXX XXXX XXXX XXXXXXXX are being reported by COMENITY BANK. The accounts reported by COMENITY BANK are being reported as " No Data '' in the payment history which implies that both accounts are incomplete. These accounts have also been sold to a " debt buyer '' by the name of XXXX XXXX XXXX. I am aware that once a creditor closes and sells an account to a debt collector, that collection agency would own the accounts they purchased. So, if COMENITY BANK sold these two accounts that are also being reported by XXXX XXXX XXXX, why is COMENITY BANK still reporting them on my consumer reports? I have reason to believe this could be spiteful and deceitful behavior coming from COMENITY BANK. Now both COMENITY BANK and the collection agency are reporting the same account on my consumer reports. This is a violation of the Fair Credit Reporting Act 15 USC 1681 as it relates to unfair credit reporting. This is damaging to my reputation and misleading to modest creditors who legitimately do business in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am writing to file a formal complaint against Best Buy regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974.

Regarding Best Buy, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to Best Buy, in regards to concerns, I the consumer, had at that point in time. Best Buy did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) Best Buy can not furnish to my report without the written instructions of the consumer to whom it relates.

Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. Best Buy failed to do so. This action by Best Buy is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got notifications from XXXX XXXXXXXX that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got notifications from XXXX XXXX that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I cancelled a purchase at XXXX XXXX, which was paid with my XXXX XXXX XXXX using Paypal. Since XXXX XXXX was not refunding for weeks. I filed a dispute with the cancellation with XXXX XXXX and Paypal. I got two refunds, and XXXX XXXX reversed one of them early XXXX. to be squared and just refunded once for something that got cancelled. 
During XXXX Paypal charged again what was already solved by XXXX XXXX. So now I am charged for something I cancelled before picking it up. Paypal has all the information and evidence for the reversal of the second refund by XXXX XXXX. Nevertheless paypal wants to collect the amount again even while XXXX XXXX already reversed the second refund. 
Paypal and XXXX XXXX are arrogant and dont want to talk to each other to solve the matter without affecting the customer. 

This has been taking a lot of my time and resources, I ask for compensation from paypal due to their negligence and sanctions to both, after taking the negative balance on my paypal account with the negligent reversal they are making. Now in reality I am being charged again for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting an inaccurate information on all three of my credit reports they have accounts open and closed on each different credit report previously XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting an inaccurate information on all three of my credit reports they have accounts open and closed on each different credit report previously XXXX XXXX, and 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 explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I spoke with Equifax fraud dept on several occasions also provided FTC and Police report I was told all time that these fraudulent inquires would be deleted from my consumer report but yet they are still being furnished. This is my 3rd complaint via CFPB to Equifax regarding these inquiries DELETE THESE FRAUDULENT INQUIRIES. This is the confirmation code I was given from a previous dispute confirmation # XXXX stating these inquires would be deleted. I Also received CFPB complaint back on XX/XX/XXXX that the inquires would be deleted and its still being furnished on my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi XXXX, account and XXXX was charged off in 2022 with a negative balance of {$930.00} I was released and I disputed this because my account was over XXXX when XXXX XXXX XXXX XXXX  prior during the investigation, it was necessary to provide me provisional credit seeing his house account was closed provisional credit was mailed in check # XXXX {$650.00} # XXXX {$650.00} # XXXX {$1100.00} And the credits these are the credits that were processing to get check numbers when I called and got the original check numbers {$1700.00} {$1000.00} {$660.00} {$270.00} {$930.00} The Checks that were told to me that they were mailed and cashed and then I was told that they were never mailed and then I was told that they were mailed and canceled. The only way for me to access updates on these cases Wash 2 call Chase because for some reason their policy requires them to message me through their secure message center which they clearly know I cant access because I have a charged off account and my access has been intentionally blocked even after informing them they still continue to provide Sensitive information like the day to the checks I even asked if they could just combine it in one to make it simpler, they refused. I have been in contact with Chase for over a month getting information every day the most recent being today I have took detailed notes of todays conversation with dates and times as well as employee ID numbers at three XX/XX/XXXX XXXX ID number XXXX as well as agent number XXXX as well as five members from the claims department who refused to give me their numbers told me four stories about the checks ranging from they didnt exist to them, all of which I am not sure of, except that in fact, they do exist. I have provided Chase with more than enough information they have approved denied approved, denied and reverse this decision way too many times. It is clear that XXXX XXXX XXXX XXXX and someone access my account rather than spend the energy trying to figure out who they are trying to hold me liable. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: UT

Complaint narrative:
I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not authorize XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ; XXXX  XXXX  XX/XX/XXXXXXXX  ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX  XXXX  XX/XX/XXXXXXXX  ; XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX  XXXX XX/XX/XXXXXXXX  ; XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX AND 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 2024-03-17 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I filed a complaint of an unauthorized transaction on XXXX/2023 in the amount of {$270.00}. The results of the claim states that I recevied the services. The claim that I filed was in regards to an unauthorized transaction in which I was overcharged on my bill. The results are confusing and unclear because Navy Federal Never provided the documentation providing the reason for their determination. The transaction was unauthorized. I am requesting that all documentation that used in the decision of the claim be provided to me promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I cancelled a purchase at XXXX XXXX, which was paid with my American Express Card using XXXX. Since XXXX XXXX was not refunding for weeks. I filed a dispute with the cancellation with American Express and XXXX. I got two refunds, and American Express reversed one of them early XXXX. to be squared, and just refunded once for something that got cancelled. 
During XXXX XXXX charged again what was already solved by American Express. So now I am charged for something I cancelled before picking it up. 
XXXX has all the information and evidence for the reversal of the second refund by american express, Nevertheless XXXX  wants to collect the amount again even while American Express already reversed the second refund. 

XXXX and american express are arrogant and dont want to talk to each other to solve the matter without affecting the customer. This has been taking a lot of my time and resources, I ask for compensation from paypal due to their negligence and sanctions to both, after taking the negative balance on my paypal account with the negligent reversal they are making. Now in reality I am being charged again for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. Navy federals lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. Navy federal as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. Navy federal must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. Navy federal has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. Navy federal has neither provided proof verified by 3rd party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from Navy federal prior assets ; date and time of the Board meeting with share holders that provided navy federal to lend from these assets, the beneficiary is also a shareholder of Navy federal and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX XXXX XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. Navy federal is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the Benefiacry ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting 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 am writing to file a formal complaint against XXXX XXXX regarding their unauthorized and illegal reporting of my consumer account, specifically violating The Fair Credit Reporting Act and The Privacy Act of 1974. 
Regarding XXXX XXXX, per the FCRA, as a Federally protected consumer, I am now opting out of all authorization, I the consumer, may have given them, written, unwritten, verbal, and nonverbal Per 15 USC 6802. Under 16 CFR 313.7 ( f ) Form of opt out notice to consumers ; opt out methods. Continuing right to opt out. A consumer may exercise the right to opt out at ANY time. 
On or about XX/XX/XXXX 2023, I mailed a Billing Dispute Letter per 15 USC 1666 Correction of billing errors, to XXXX XXXX, in regards to concerns, I the consumer, had at that point in time. XXXX XXXX did not respond in writing to my request or concerns, as instructed by our consumer laws, yet they continued to bill me late fees and proceeded to furnish derogatory remarks to my credit report. According to, Regulation of Credit Reports, 15 USC 1666a ; The creditor can not take any adverse action against me in the form of negative credit reporting once I have notified them of my billing error dispute. 
In accordance with 15 USC 1681b ( 2 ) XXXX XXXX can not furnish to my report without the written instructions of the consumer to whom it relates. 
Per 15 USC 6801 Protection of nonpublic personal information. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Under 15 USC 6802 Obligations with respect to disclosures of personal information. The creditors must not disclose my information unless they give me an explanation of how I can exercise a nondisclosure option. XXXX XXXX failed to do so. This action by XXXX XXXX is a clear violation of my consumer rights. They have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under Congress and The Fair Credit Reporting Act.

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