vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 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: DISCOVER BANK
State: CA

Complaint narrative:
I have a discover card credit card for years. Never delinquent with payments. Used the card last Saturday at 2 places. The next day could not use it, not accepted. Called discover transferred to identify dept. They will not tell me what this is about and want me to allow them to access my IRS tax return. Called corporate office and they were not helpful and had no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: FL

Complaint narrative:
Inquiry 's hard and soft on report not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have a business credit card I have for my business XXXX XXXX XXXX. My business is in control of the account and responsible and its al under the business credit and tax ID. American Express in house XXXX XXXX  XXXX XXXX @ XXXX. They contacted an old employee that had a company card as a user and not administrator authority and was very abusive to XXXX XXXX who no longer is even a credit card user for the company. They were very rude to XXXX and released private info to her about balance owed and even tried getting her to pay the balance due! They gave a 3rd party private info about XXXX XXXX XXXX financials and issues and tried collecting money from somebody whom is not a responsible party or involved with the company in that way. This is a very serious matter and needs to be dealt with as I now have a 3rd party person aware of my companies personal financial situation! They need to be held responsible for this release of private info. They record there calls so this all can be proved with review of this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
Greetings on or about XX/XX/XXXX i transfered XXXX from my main bank to XXXX XXXX to chime. XX/XX/XXXX, XX/XX/XXXX, XXXX deposit my benefits XXXX a week into my account i used the XXXX i had deposited for business travel expenses I canceled my reservation and was refund XXXX. XX/XX/XXXX chime closed my account with no valid reason and refused to send my money back to XXXX and to send my refund. I have XXXX issue so its affecting my bills them taking and refusing to send my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I received a new Barclays XXXX XXXX credit card which would be be to be activated on XX/XX/2022. 

I closed my XXXX XXXX XXXX credit card on XX/XX/2022. 

I should have NEVER received this new Barclays credit card for use at XXXX XXXX because I closed my old credit card on XX/XX/2022. 

So this new Barclays credit card needs to be cancelled, and Barclays nor XXXX are able to assist in cancelling this credit card. I do not want this line of credit opened as it never should have been issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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. The following accounts a-re violating my rights. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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. The following accounts a-re violating my rights. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY 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 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp
State: MI

Complaint narrative:
On XX/XX/2022, I went to a clinic to receive a free advertised assessment of the medical treatment offered by the clinic. I was told my condition qualified, and the treatment was not covered by my insurance, XXXX. Prior to scheduling a treatment their " Patient Release and Wavier of Liability Form '' and Consent to Treatment forms were presented to me, as two separate forms. I read them and took issue with the level of total indemnity they require. I was told I would not get any treatment unless I signed both forms. Then I refused to sign either and requested to speak to an administrator. After an hour waiting at the clinic no one came to speak with me, so I left without signing either form. Copies of the intake forms to register in the clinic, I have in my possession, state I was entitled to a full refund since no treatment was rendered. The next day I started receiving notices from a finance company informing me {$6200.00} was financed in my name at twenty-three percent ( 23 % ) interest and awarded to the clinic. I ignored the emails since I had not consented for any treatment at this clinic and did not receive any treatment at this clinic, thinking it was a clerical error and the emails would soon stop. Emails requesting my response to set up payment arrangements followed daily. On XX/XX/2022, I emailed the finance company 's customer service department and informed them not to make payment to the clinic since I did not consent to any treatment and no treatment was rendered and I had contacted the clinic about their emails. The director of the finance company 's Customer Service Department sent me an email acknowledgement indicating understanding of the situation and they would hold off further credit bureau notifications, if I would make interest payment of {$150.00} a month until the issue was resolved. I have not made any such payments and do not intend to ; because I did not consent to any treatment or receive any treatment. On XX/XX/2022, I sent a XXXX  delivered letter to the clinic demanding a refund payment to the finance company and removal of the debt from my name on the major credit bureaus. To date no such action has occurred and my credit rating has plummeted XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 2022-06-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I opened a checking account online & it told me I was approved. I got the welcome package paperwork & received a debit card & an ATM card. I set up direct deposit with the company I've been working at for 17 year. It was deposited into my new Citibank account but when I called to activate it, they told me there were some identity issues but would not let me provide anything other than the driver 's license and social security card I provided when opening the account. They told me they were moving the money over to savings & that I have to wait 30-60 until my account closes & then another 15 business days before I will receive my money. This is unacceptable because it is their fault. They could have rejected the deposit & sent it back to my employer. It has now been a month with a XXXX XXXX XXXX  child, and I still don't have my paycheck. Nothing is being done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: ME

Complaint narrative:
In XXXX of XXXX, I co borrowed for a XXXX financed by Credit Acceptance Corp. Payments remained in good standing until XXXX of XXXX when the other borrower left home with the vehicle and never came back. Since then, every payment has been at least 30 days late. I do not have access to this vehicle. I do not insure it. I am not on the registration. I have tried countless times and multiple phone calls to resolve this. I have begged for them to repossess the vehicle since it is currently over 90 days past due, with no attempt to make payment since XX/XX/XXXX. Ive asked to surrender it. Ive asked to remove my name in anyway. I can afford this vehicle but they wont even help me get possession back of it. It has ruined my credit. I dont understand why they wont just take the vehicle or even just give it to me and Ill deal with it. The person who has it doesnt have a job anymore and hasnt since the first late payment. He has missed more payments even on the payment arrangement than made. Its hurting me more to let him continue to mess up every month then it would to just take it from him and ding me for the next 7 years. I am a good hard working person trying to do the right thing but they are catering to a XXXX XXXX  grown man with no job. He doesnt even insure the vehicle, his mom and dad do. Please take my name off of this. If I had possession I would either sell, refinance, surrender, or pay it. But I shouldnt have to suffer because this car company doesnt want to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On several occasions I have tried to to pay off my XXXX XXXX store credit card with Comenity Capital Bank. 

I paid it off sometime in XX/XX/2021 and closed the card. However, through XXXX to the present, Comenity has been tacking on service charges ranging from {$9.00} to {$2.00}. 

I accrued a late fee in XXXX because I believed I paid the card off. I agreed reluctantly to pay the remaining {$46.00} ( all service charges and late fee ). I was promised by the customer service representative that I would no longer have any fees added to this card and it was a XXXX balance and stay as such. 

I requested a letter stating I would have this XXXX balance from now on, which was mailed to me and I have in my possession. 

Today, XX/XX/XXXX I have received a bill from Comenity stating I owe them {$2.00} due to a service charge. 

I called their customer service number and explained I was promised I would no longer have fees on this account. The customer service representative took my information and then five minutes or so later told me that he could not help me today because Comenity is doing a system update. I was told that I would have to call back on the XXXX when their systems were updated. 

I state this was unacceptable and that I wanted to speak to a manager. I was told no that due to the system update speaking to a manger would not work. 

At this point I stated that I would be reporting this to the Credit Financial Protection Bureau and I ended the call. 

I refuse to pay this {$2.00} service charge and any other charges or late fees that may accrue as I was promised over the phone and via letter I would remain with a XXXX balance and considered any card payment completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing three accounts on my credit file since XXXX of 2022, I have requested that the credit bureaus XXXX, Transunion, and XXXX to please verify these accounts and how they verified these items and who they spoke with or please remove them from my credit report. 

I have not received a response from XXXX regarding these complaints Each time I get responses from the credit that they verified them but don't provide details of the verification process, who they spoke with etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following account is violating my rights. 
- XXXX XXXX {$9600.00} 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 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 2022-06-23 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 # 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 2022-06-23 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 # 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 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission, a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report I discovered that there was several fraudulent accounts on my credit report, I have contacted the creditors and furnished the creditors with the above stated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX violated my righs.

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.

please remove

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