vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am attaching XXXX documents with the same account number from 3 different reporting agencies

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 2022-07-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: FL

Complaint narrative:
Ive made monthly payments on my card until the balance was paid. They then sent another invoice claiming a $ XXXX {$4.00} balance then applied a late fee due to their website being inaccurate on the final amount due for pay off. 

I called and spoke to them regarding the error and was told they could not remove the late fee because the account was closed. I then paid again the pay off amount. 

I get another bill in the mail for {$2.00}. I go online yesterday to pay it. There is a notice online that they are experiencing problems with their system. ( No doubt! ) I manage to get in my account and try to pay the {$2.00}. It requires me to add my bank account, I try adding my bank however the system says that my bank account is already listed. It is not! And I was not able to select any previous banking information to make a payment. System error again! 

I notice while I was trying to make my payment that my account indicated I had {$900.00} ( something credit ) which I thought was strange for a closed account. 

I try again today to log in to pay {$2.00}, and my account says closed cant make a payment please call customer service! 

I have had quite enough with this company! I want the {$2.00} fee removed and my account back open! I dont plan on spending, but I want my line of credit back and I want them to stop hounding me about {$2.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Rent Debt Automated Collections Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-04 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX open XX/XX/XXXX I disputed the referenced account above on XX/XX/XXXX. The credit report of XX/XX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing 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
Consumer complaint received 2022-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for a Best Buy credit card and was approved for a Citi Bank card and was not aware that there was a {$59.00} annual fee. When I received the card, XXXX weeks later, I activated it but did not use it. In XXXX I paid the {$29.00} minimum payment when I realized that there was a balance due to the annual fee. XX/XX/XXXX, I contacted them as I realized I was XXXX day late paying the bill and they reversed the late fee and told me if I paid {$31.00} it would pay the account in full. 
However, I just received notification that {$30.00} was due this month, XX/XX/XXXX. I contacted Citi Bank and spoke to the representative who said she would remove the late fee but I would need to call back to cancel the card because the system was under maintenance. 
When I called back and spoke to the manager, he said that he could not remove the late fee because I made the XX/XX/XXXX payment XXXX day late. 
I told him that the person I spoke to on XX/XX/XXXX had said that I only needed to pay the {$31.00} to make my account current and he had removed all other late fees. 
The manager was not willing to assist in any way and kept saying he would have to go back and review the notes from the XX/XX/XXXX call but I had made the payment late so the late fee would stand even though the representative had told me my account on XX/XX/XXXX was current and paid in full. 
He refused to remove the late fee and said I had to pay it or it would be reported to the credit bureau.

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 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022 I was out with friends and attempted to use an ATM inside a business. I made 4 identical attempts to withdrawal {$300.00} using my Bank of America debit card, and all 4 were declined. No cash was dispensed. I assumed this was some protection mechanism from bank, and decided I would call in the morning.

The next morning, I looked on my mobile app and it said all 4 transactions went through and cash was dispensed. I called BofA immediately, and they told me the transactions were still processing, and I would need to call bac

k in 24 hours. I agreed, and asked if they would record this call on the logs to which they agreed. 24 hours late
r, 2 of the 4 charges disappeared, but 2 posted and said I had successfully withdrawn {$300.00} twice. I know this wasnt true because I did not receive cash, and had to pay the bill using another credit card instead of cash. On XX/XX/XXXX, I called Bank of America again, and began to file a claim. BofA credited my the {$620.00} total, which includes both transactions and the {$10.00} ATM fee paid twice, while they investigated. 

Bank of America came back to me on XX/XX/XXXX with a resolution letter saying they received the logs in question from the ATM, and the ATM dispensed cash. They also attached the logs, and asked if I had any documentation I could provide, I could continue to dispute. Unfortunately the failed ATM did not provide any expense or record of such. On XX/XX/XXXX, I will be charged the {$620.00} again. 

While I understand what the logs say, this is a machine, and machines fail. This was not considered. I know my experience and I did not receive cash. I am now out {$620.00} of which I did not spend, and would like to be reimbursed. As a nearly 20-year customer of BofA, this is the first issue I have had with them and am surprised my standings and loyalty did not carry in weight in this claim. I am also surprised BofA is not more interested in protecting me, the customer. 

An appropriate resolution would be to either cancel the upcoming XX/XX/XXXX charge, or credit me the {$620.00} I did not receive.

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 2022-07-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, and Account Name : XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX  {$750.00} dollars. XX/XX/2021 Acc. XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 

In according with the fair credit reporting act, the above account stated above has violated my rights according to 15 USC section 1681. Which states a consumer reporting agency can not furnish any information on my credit report without my written consent.

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit act, my rights have been violated. 
In accordance with 15 USC 1681 section 602a, i have the right to privacy.

In accordance with 15 USC 1681 section 604a section 2 a consumer agency can not furnish a account without my written permission.

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 2022-07-04 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: OH

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with Experian, XXXX and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!

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 2022-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any outside influence.

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 2022-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX Acc.XXXX for XXXX dollars. 
XXXX XXXX XXXX XXXX, Ma XXXX According with the fair credit reporting act, the above account stated abovehas violated my rights according to15 USC section 1681. Whch state a consumer reporting agency can not furnish any information on my credit report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: VA

Complaint narrative:
I have repeatedly requested that The Commonwealth of Virginia to remove the paid off account they are reporting for me. The account was open in XXXX of XXXX. It was paid in XX/XX/XXXX and should have been removed in XXXX of XXXX. It has been re-investigated XXXX times and I have been told it's accurate. I'm not denying the accuracy of the account ; But the Commonwealth of Virginia has not been contacted to endorse the removal of this account that has been closed for 7 years. There is no longer a need to report a paid and closed account that hinders my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am one of the many people affected by Comenity banks " update '' in their system. This update is now going on 2 weeks. I have not been able to log in to my account online nor have i been able to reach a rep via phone. Their automatic system, when up and running, will tell me my balance. They claim we can use easy pay, but that has hung up on me, also dont trust easy pay option after reading comments online about others who have tried to use this feature and have received no confirmation of payment. This company keeps posting that they are working on it but thats about it. Sorry but a system update does not take 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
My account on wise was deactivated without any prior notice and any other thing, my payment from the XXXX was on its way to wise account and they deactivated my account and there is no sign of any reply or notice from them,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: OH

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with XXXX, TransUnion and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!

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 2022-07-04 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: OH

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with XXXX, XXXX and Equifax asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!

Company response to consumer: Closed with explanation