vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is in regards to existing complaint case no. XXXX, which was filed on XXXX. The companys response was unsatisfactory and incomplete yet I today ( XXXX XXXX ) received notification that my account is now delinquent, despite my repeated attempts to contact Comenity Bank and receive any means of logging in to my account. I have relocated abroad and have made every attempt to contact Comenity via email, social media, and complains to no avail. And now my superb credit score has been impacted significantly by their inaction and failure to communicate. This is unacceptable and jeopardizes my ability to continue my student loans abroad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25 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: NC

Complaint narrative:
Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.

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 2022-12-25 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: NC

Complaint narrative:
Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX FIN # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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 2022-12-26 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX FIN # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, 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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX account number XXXX, XXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX. 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. 15 U.S.C. 1681c ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2022-12-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WellsFargo Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Wells Fargo Credit Card services via mail on XXXX XXXX informing them of an inaccurate account on my consumer credit report. The account is inaccurately being reported as a debt. The account number is XXXX. According to the credit reporting agencies the debt that was canceled has an amount of {$1300.00}. 

I informed them that they are violating my right to privacy and is in violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083 and 15 US. Code 1681s2 by reporting my income which is inaccurately being reported as a debt on my consumer report. 

The company replied back asking for additional information to verify the account in question. I sent correspondence via mail on XXXX XXXX providing all the information that they asked for. They then replied with the exact same letter they sent the first time asking for the same information that I provided to them with the letter sent on XXXX XXXX. 

I contacted the credit bureau dispute resolution team via phone on XXXX XXXX and spoke with XXXX ( employee ID # XXXX ) and requested a copy of my XXXX form which would serve as proof that the charged off debt is not a debt but income. However she was unable to provide me with any information. I requested to speak with a manager or team lead and XXXX spoke with ( XXXX ) who stated that a XXXX form is only filed and given if a settlement for the debt was created. However this is a misrepresentation of information. According to XXXX XXXX XXXX - XXXX reporting for discharges of indebtedness by certain entities. 

I demand that this inaccurate information Account number XXXX in the amount of {$1300.00} date opened XXXX XXXX be removed from my consumer reports immediately as it a direct violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083, and 15 US. Code 1681s2. 

In addition to the removal of this inaccurate information from my consumer credit report, I would like a settlement check in the amount of {$5000.00} in pursuant to 15 USC 1611. This law states Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I have put you on notice twice about the inaccurate information you are reporting leading to you willing and knowingly violating my rights as a natural person. I have provided both letters as an attachment to this complaint.

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 2022-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I Made A Purchase XX/XX/2022 For XXXX For A Laptop Computer On XXXX And At That Time I Wasn't Aware That It Was A Third Party Selling On XXXX 's Web Site.This Third Party Falsely Advertised This Laptop 's Specification 's So I Opened A Dispute With Discover. I Been A Customer With Discover For 28 Years And Never Been Disrespected Like This Before, I Uploaded All The Necessary Documents Supporting My Reason For The Dispute so They Gave Me a Temporary Credit, Then We Were Waiting For The Third Party To Respond, When The Third Party Responded They Said I Violated Their Return Policy And Discover Completely Ignored The reason For My Dispute And Found It To Be In Their Favor And Said the Transaction Was Valid. I Reopened The Dispute Multiple Times And Each Time I Called Discover And Explained That This Wasn't About A return Policy, I Called At least XXXX Times And Spoke To Multiple Different Supervisors And They Continued To Tell me The Transaction Was Valid, I Was Treated Very Rudely And Was Even Hung Up on A XXXXple Times. Then I Made A couple Complaints About A Couple Of Employees. I Have Uploaded Documents Supporting This Issue. At This Time They Again Are Waiting For Their Response. They Keep Using The Same Reason And Discover Continues To Close The Dispute In Their Favor. When You Look At my Documents Supporting This Dispute You Will See This Is More Than Just False Advertising And That This Was No Mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank called me in XXXX XXXX, to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to XXXX XXXX XXXX for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). 
Today, XX/XX/2022, I received a letter from XXXX XXXX XXXX saying that I have to pay them a debt of {$5200.00}! 

I do not owe that money nor have I borrowed it from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc.
State: AZ

Complaint narrative:
So basically I checked my XXXX XXXX to get financed for a car and I found someone used my SSN that was not me and caused {$5300.00} in debt this was not me I live in XXXX XXXX and I called the collection agency and they said this was a problem and I had to make a police report. Now Im here honestly just want to get my credit score back and take this debt off Im not responsible for this so I feel I should have to pay my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/2022 over {$7000.00} in XXXX XXXX funds were stolen from my Coinbase account. I believed I was talking to a tech support person and instead I was scammed out of the funds above. I have contacted Coinbase and provided them with all the relevant information and they have stated that they are unable to retrieve the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Michael Harrison, Attorney at Law
State: NC

Complaint narrative:
This company has contacted me about a debt and I have attempted to contact them via email and phone as their letter states for more information ( debt validation ) and they do not respond. When I call, it says to email them. They dont respond. Now they have sent a letter threatening to sue me after they refuse to send me the information I requested.

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 2022-12-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB Write up 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 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Monies were taken from my checking account and I called the fraud department and told them about it because the total was over XXXX but I only received XXXX back but it froze my account. It's still ongoing.

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 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
An insurance claim was filed with XXXX XXXX XXXX falsely. Communicated with XXXX XXXX XXXX to notify of false charge and they never responded. Service was canceled however the still falsely sent the account to collections.

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 2022-12-26 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: CA

Complaint narrative:
CFPB Write up 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 explanation
Consumer complaint received 2022-12-26 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: CA

Complaint narrative:
CFPB Write up 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 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company disgusing itself as a local credit union

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 2022-12-26 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates 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 non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: FL

Complaint narrative:
On or around XX/XX/2022, I applied, over the phone, for a business credit card through XXXXXXXX XXXX. The customer service person, " XXXX '', asked a series of questions after which, based on my responses, she advised she did not foresee any reasons for denial. XXXX advised she would called me in 1-2 days to advise of the status. After about XXXX XXXX weeks had passed, I called to follow up, as I had not heard back from XXXX. I spoke with another bank representative who advised that my application was denied ; however, could not give a reason, and advised me to wait for the denial letter. When I received the letter, I called XXXX and spoke with XXXX regarding my concerns that I was denied for reasons that did not apply to me. XXXX then advised that the reason for denial was probably due to my credit score not meeting their minimum XXXX requirement, and that my score was reported to be XXXX on XX/XX/2022. I pointed out that my credit is monitored by my bank and at no time during the past several months was my score below XXXX ; however, XXXX insisted this was probably the reason. I know that some lending institutions have discriminatory practices, and I just want to be sure that I was not a victim of same.

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