vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
Comenity Bank suspended my cc account because of what they said were " potential security concerns '' without notifying by phone, text or email. The only way I found out my account was suspended was when I tried to it. Only 5 days later did I receive a letter telling me the account was suspended. I called the bank and asked them why my account was closed .The bank representative stated that there was " potential security concerns '' and that I needed to send them proof of who I was ( see attached letter for details ) which I did. I have been with XXXX for over 10 years with XXXX XXXX XXXX managing the account, no problem with them. Only recently has Comenity Bank started managing XXXX credit accounts. If I had been on vacation some where I would have been in deep trouble not being able to pay for anything. No less I had to correct all auto payment that were connected to this account making sure all charges were paid ( my wife 's health insurance ). I have since opened account with XXXX XXXX and plan on closing the Comenity Bank ASAP. Never in my 50 years of having CC has this happened to me ( XXXX XXXX XXXX ). 
Thank you for reading this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I closed a marital checking account, ending in XXXX, at Citizens Bank in XXXX over a decade ago. In the Fall of XXXX, my ex-husband failed to pay an overdraft on the account for 3 months, resulting in Citizens Bank 's wrongly reporting his delinquent payment to thee credit bureaus. Both of us contacted the bank together and spoke to their Operations Manager, XXXX XXXX. Now 3 months later, Citizens is just getting around to contacting XXXX, but my credit rating has still not reached its prior very excellent level. This three month delinquency has seriously impacted my credit rating at a time when I need my previously excellent credit. You can see that the attached letter is dated XX/XX/XXXX - fraudulently dated to appear as if they were in compliance with timely responsiveness - but the postmark on the envelope is XX/XX/XXXX and I finally received the letter XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I receirved a Fortiva mastercard that I did not apply for. I had a retail acccount with Fortiva with credit limit of XXXX with balance owed down to XXXX which I have had since XXXX. Than I was sent a Fortiva mastercard with a XXXX dollar limit with APR of 29.9 %. I called the company and I was informed that they sent me an emial on XX/XX/XXXX stating I was being upgraded and if I want to opt out I had 45 days to respond. However, I have kept every email I have from Fortiva and I explaned to them over and over that I did not get that email. I than contacted the corporate office and spoke with XXXX at XXXX XXXX Tues XX/XX/XXXX and informed me that he needs to speak with his legal department. I spoke with XXXX again on XX/XX/XXXX and he informed me that there was nothing they do and refused to switch me back to my retail account. I again told them that I never authorized my retail account to be closed and never authorized a new mastercard account to be opened in my name. I never recieved such email and I asked to send me the orginal email that was sent or an orginal letter that was mailed informing me. Fortiva has been unwillingly to provide this information. I feel like this decepive to me as the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I continue to receive statements from my Synchrony-Care Credit despite the account being closed and paid in full as of XX/XX/XXXX. I have a statement, closing date of XX/XX/XXXX, stating there is a balance of {$4000.00}, including late fees. 
I have attached a copy of the statement and a copy of a letter from XXXX XXXX, Senior Specialist with Synchrony Bank 's Corporate Consumer Relations. This letter is dated XX/XX/XXXX and is her response to my first CFPB complaint, Case # XXXX. In this letter she acknowledges that the account has been paid in full, but she also notes that any statements I receive were done during the account settlement being processed. Why am I still receiving statements if the account has been processed?

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX XXXX report : XXXX, Account number : XXXX XXXX XXXX XXXX XXXX The report shows I currently owe money a balance of {$2800.00} to your company that I has already been paid from XXXX XXXX XXXX on XX/XX/XXXX when the vehicle was returned. The vehicle was purchase from the dealership and as well as all payment obligations were also handled with buyer. Also upon viewing my credit report payment history was reported incorrectly. Payment history has not been reported from XX/XX/XXXX to XX/XX/XXXX and for the year of XXXX it is reporting I made no payments. With this inaccuracy reporting has hindered me from any lenders to deal with me. This is not fair to me at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
the address are not mine XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX and also XXXX XXXX XXXX XXXX ohio XXXX the credit bureaus do not have premission to report anything and i have the rights to my privacy!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
EXPERIAN REFUSES TO ACCEPT MY IDENTITY THEFT REPORT AND BLOCK FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

FRAUDULENTS ACCOUNTS : 1XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX - XXXX I have requested Experian, multiple times, to Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All attemps have been fruitless since Experian, even though I have requested and disputed these accounts multiple times by submitting to experian, via email, fax, internet etc, all my identifications and reports, they still decline my request, by claiming they have not received valid proof of identity. 

Enclosed are the following : A copy of my Identity Theft Report and proofs of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2023-03-09 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a secured credit card on XX/XX/23 at Truist where it was denied then I received a letter in the mail that read. Thank you for applying for a Truist consumer credit card after carefully reviewing your application we are sorry to advise you that we can not open the credit line for you at this time. If you would like a statement of specific reasons why your application was denied please contact our consumer credit department shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request XXXXTruist I have tried calling that number to request the letter of reasons and no one seems to know the answer or how they can help me I just get transferred to another department until someone hangs up on me. Im just trying to obtain this information because I feel this is a violation of FCRA adverse action & unfair practice

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 2023-03-09 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
15 USC 1681 : Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer has furnished an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card under an open- ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-03-09 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than convictions of crimes which anti-dates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On or about XXXX XXXX, I received XXXX XXXX XXXX XXXX American Express credit cards addressed to myself and for two other individuals that were supposed " employees '' of mine. Names on the cards are below. 
1. ) XXXX XXXX ( Myself - XXXX Business credit card ) 2. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ). I will supply one fraudulent credit card number for this report. XXXX 3. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ) ) I contacted AMEX Customer Service on XX/XX/XXXX. I explained the applications for all of the cards sent to my business address were fraudulent. I requested the cards be canceled immediately. I was advised by the agent that all of the accounts/cards were canceled. I received a request from AMEX dated XX/XX/XXXX to complete an Identity Theft Declaration to be used during their " U.S. Fraud Department investigation, Ref # XXXX. '' The completed form requested detailed personal information and proof of my identity. I completed the questionnaire to the best of my ability. The notice from AMEX stated I would be advised in writing upon completion of the review. At the time I submitted the questionnaire to AMEX, I chose to utilize my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681sec 609 ( e ). I requested copies all of the pertinent business records as identified in 609. I received two ( 2 ) notices from AMEX one on XX/XX/XXXX and one on XX/XX/XXXX notifying me of the internal review ( s ) taking place regarding my reported issues ( as described by my letter dated XX/XX/XXXX. ) Ref # XXXX and XXXX. As of todays date, XX/XX/XXXX, I have not received any additional information regarding the AMEX investigation / review, nor have I received any correspondences regarding my request per the FCRA. 

The beginning, how it started : On XX/XX/XXXX, I received a letter from XXXX XXXX ( dated XX/XX/XXXX ) that alerted me to " unusual activity '' by an " unknown party accessed customer accounts, '' which includes My Business online account. Per the XXXX notification, detailed information obtained may include " name, telephone number, billing address, price plans, and other service-related information. '' On XXXX XXXX XXXX, I contacted my local law enforcement agency at XXXX XXXX MI XXXX XXXX XXXX XXXX Email : XXXX, Report number : XXXX. I also reported this issue with all of the credit reporting agencies to place a Fraud Alert on my account. I also contacted the Federal Trade Commission ( FTC ) # XXXX, # XXXX and the Social Security Administration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: NY

Complaint narrative:
On XX/XX/2022 the debt of the amount of {$970.00} was disputed on XXXX, XXXX and XXXX as being not a valid debt. The collection company L j Ross Associates still has not reach out to me to provide a legally required debt validation letter, which outlines what debt and original contract, creditor information payment history, proof of ownership. The statute of limitation on New York State debt is 3 years. This debt is incorrect on my credit report and should be removed due to it being time- barred and falsely stated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
did not have premission to use my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
My loan balance is not correct. The current balance shown by Fed Loan is {$340000.00}. 

I have gone to Fed Loan and they do not have any loan documents to prove my loan balance which keeps accruing interest. I called and they told me to go to my loan servicer XXXX. They couldn't help and referred me back to Fed Loan. 

I proceeded to find out what my true loan balances were by going back to my university, XXXXXXXX XXXX ( currently XXXX XXXXXXXX XXXX ) and was able to obtain a transcript from the registrar showing my financial activity between XXXX when I last attended school. I graduated on XXXX XXXX with my XXXX XXXX. 

My transcript shows that I had a total of XXXX XXXX XXXX XXXX student loans of {$31000.00}. How did we get to {$340000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
This company has continually called me about a medical debt. The last person I talked to specifically stated it would be noted on my account to no loner call or send communications of any sort. She also was extremely rude. Even after i told her that there should be no further communication, she went on to ask me if i am aware of the medical debt. 

I made it clear for the second time now in that phone call to cease and desist and that i already sent written statement for that. I am sending another one today through their email XXXX. The phone number they call from is XXXX and they are called Financial Recoveries. 

They have called me again today at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I gave access to a person. I found out they were stealing. I had my son who is on the account to shut the card off. He went to the bank and told them to shut the card off it was fraudulent. They did not shut the card off. There was XXXX more dollars stolen. I believe I am owed the money plus interest for that money.

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 2023-03-09 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than convictions of crimes which anti-dates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation