vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made. Return And made a payment After the return went through I shoud have {$20.00} credit balance Now they keep sending me statement and XXXX me for payment I spoke with channel at dispute XXXX XXXX For 2 hour and she check my account activity from XXXX of XXXX  and she found out that I was right she lefts note for a correction Target is a very crock company No one knows anything they have lots of loop holes there is not a one designated department Today XXXX called the corporate office after they waisted my time they couldnt help me Then at XXXX pm XXXX got a phone call from target XXXX she was very rude and was attacking me wouldnt allow me to speak she kept interrupt me cutting me off so I hang up the phone on her Target knows what XXXX doing tgey programmed Their employee to be in helpful all of these attempt is for target to ripoff consumers My issue is not resolved I am barraged Toyed Target is a XXXX XXXX XXXX XXXX company Tgey refuse to fix their problem and want me to pay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NY

Complaint narrative:
On XXXX an account was opened for {$3100.00} by someone other than myself using my information. Payments were made, not by me, for a few months XXXX and XXXX of XXXX. Then, it was put to collections XX/XX/XXXX and charged off XX/XX/XXXX. I received XXXX notifications via email or regular mail, not me, that this was happening. I went to get a loan for a motorcycle on XX/XX/XXXX and was denied due to a ding on my credit. Once I looked into it I saw that XXXX XXXX was the Creditor and I called them on XX/XX/XXXX. They told me that it was a XXXX  year lease on a king size bunkbed and that I stopped paying for it so it is now off at collections for the amount of {$3200.00}. They told me that it was associated with an email of XXXX, not my email address. My wife called on XX/XX/XXXX and she talked to a man named XXXX and she was able to find out that my name was not associated with the account but that the last XXXX numbers of the phone number were XXXX, which is a fraudlent phone number on my credit report also. XXXX told us the vendors name for the bunkbed and it was a company, XXXX XXXX in XXXX PA and a phone number. I called the phone number and it was out of service. There is also a fradulent address in XXXX, PA on my credit report. XXXX told my wife that she could pay {$720.00} to close the lease over the phone with a credit card and it would take away this charge off from my report. I did not do this. We contacted the police and have since filed a 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 2022-07-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 2022-07-12 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: AZ

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-07-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian credit reporting agency to dispute three inquires that are fraud because i never request them. Two of them thru XXXX XXXX were done on same day XX/XX/2022. The other from XXXX on XX/XX/2022 they were never requested by me Fraud. I also have Three accounts XXXX XXXX XXXX, XXXX, XXXX part of Identity fraud report from FTC was submitted to credit reporting agencies and accounts havenot been deleted .I was told experian can not dispute and i must get in contact with does companies directly and get a removal code. But when i call the say they don't see any application under my name.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.

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 2022-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation
State: WI

Complaint narrative:
XX/XX/2022 Contacted my mother. My mother is not authorized on my account. Told her I had a debt. Very stressing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: FL

Complaint narrative:
XXXX  - Account Number : XXXX 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 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 2022-07-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for an Amazon Visa card and was approved on XX/XX/XXXX. I applied for the card specifically for use on Amazon XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The application was approved by Chase, the card issuer. There was an offer for 0 % interest for 18 months which I was eligible for. I was going to use the card to purchase a couple of XXXX devices which are currently on sale. When I went to check out on Amazon, the card was showing as a payment option, but I kept getting an error message when trying to complete my purchase. I called Amazon who told me that Chase would be able to provide me with the full card number, however they were not able to. While I understand that this is due to security reasons, I wouldnt have applied for the card if I had known that I wouldnt be able to use it to make purchases during this 2 day sale. Because it was showing up as a payment method on my Amazon account and wasnt requiring the full number, I though that I would be able to use it. As Im not able to use it, I do feel that theres been a level of bait and switch here, both by Chase and Amazon. Im losing out on nearly {$170.00} on savings during the XXXX XXXX Sale. I applied for this card in good faith and with the understanding that I could use it immediately. As this is not the case, Im wondering what my options are as I would not have applied for the card had I realized that I wouldnt be able to use it. Im also concerned about the impact of this on my credit report. I finally just finished up over an hour and a half on the phone with Chase and theyre expediting the card, but I dont think itll get here in time for me to take advantage of the sale on Amazon. Additionally, Chase is saying that this is an issue on Amazons side, but given that Chase is the card issuer, it seems like theyre trying to pass the buck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion XXXX and XXXX failure to respond and are not complying with their own policies in a timely manner.

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 2022-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-12 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: MO

Complaint narrative:
On Friday XX/XX/2022 I attempted to make my payment to Comenity ( AKA- Bread Financial ) for a XXXXXXXX XXXX XXXX credit card on their website where I have successfully made payments before. I was unable to login with my normal login information that had been used the month previous. Then I tried to login using the " Easy Pay '', because there was a header on the website that said " Easy Pay '' was working and they apologized for the inconvenience on the outage. The " Easy Pay '' did not work either. I then proceeded to call their customer service phone number. It asked for my social security number then stated it would transfer me. It transferred me to a pre-recorded message that stated they were not currently available and were aware of the issues making a payment. I then looked around on their FAQ page on the website and it stated they would waive late fees between XX/XX/XXXX and XX/XX/XXXX I believe. They have my contact information on file and never once sent an e-mail blast or a letter that they were experiencing technical difficulties. They apparently had this issue for at least 3 weeks! Unacceptable behavior from a financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Regions online on XX/XX/2022. I had a direct deposit sent to my account on XX/XX/2022 in the amount of {$1600.00} from a installment loan company that works with my job ( XXXX XXXX XXXX XXXX  ) and it was pending in the account. On XX/XX/2022 the deposit completely disappeared so I called the XXXX branch because the one in XXXX fl was closed. They told me to call customer service because they couldnt see any deposits or anything on my account and customer service could see more of my account information. So I call the customer service number and the associate I spoke with was very dismissive even implying that I was lieing about the deposit altogether and she said that I needed to go into a branch and that the branch can see more info than them. So I drive 45 mins to the branch in XXXX. Show the associate the text message I received saying that the deposit was made to my account and he told me that my account was closed because I didnt pass the screening process and that the direct deposit was rejected for that reason. XX/XX/2022 I received an email from regions saying that I need to fund my account. So I contact regions asking how can I fund a closed account and I am told that my account is still open. So I called the loan company and they said they were told by regions that the account was open but it was frozen. Now i am being denied for the loan and its all because of regions and their lies and negligence. My first and last time banking with regions

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 2022-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I recently reviewed my credit report and saw the LVNV funding LLC was reporting a negative count on my credit report I disputed this account through XXXX app but nothing came from it. It only says the Account was updated in the dispute is complete. Pursuant to 15 USC 1681b ( a ) 2 of the Fair credit reporting act it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave LVNV funding LLC any written instructions to furnish anything on my credit report this is a violation of the fair credit reporting act. This account should be removed immediately to prevent me from receiving further injury to my credit report.

Company response to consumer: Closed with explanation