vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 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:
in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: LA

Complaint narrative:
On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per XXXX, TransUnion, and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I told pnc bank to file two chargebacks and to give me receipts, but they never sent me a written receipt of what they did for both chargebacks in their investigation. I was never shown in writing whether or not the merchant agreed to give me my money back or if visa was involved in issuing the funds back into my account.

I want two written receipts for both chargebacks. Here are the dates of the fraudulent transactions ( XX/XX/XXXX ) and chargeback dates ( XX/XX/XXXX ) + ( XX/XX/XXXX ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - Dispute Pending EFFECTIVE XXXX XX/XX/XXXX Final Dispute Credit EFFECTIVE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-02 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: PA

Complaint narrative:
I have been trying to make a payment on my XXXX, XXXX and Ann Taylor credit cards since XX/XX/22 without being able to get into the online system, XXXX XXXX or speak to anyone at Comenity Bank ( recently referenced as Bread XXXX  ) for 8 days. 
I was finally able to get into XXXX XXXX after numerous attempts and pay my Ulta and XXXX cards but still can not pay my Ann Taylor card. I called the Ann Taylor store to see if I could make a payment there and they said the system to make payments in the store has been unavailable for 8 days. I spoke to XXXX XXXX, a team lead at the XXXX XXXX store location, for an extended amount of time as she tried to do everything she could to help. All of the phone numbers on the back of the card, provided to the store and on XXXX for customer service are answered by an automated system which states the technical problem, says to call later and them disconnects your call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY COMPANY Last reported XX/XX/2022 {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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:
in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: PA

Complaint narrative:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.

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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion XXXX XXXX are continuing to verify my accounts & they are inaccurate. A proper investigation is supposed to take place before verifying each item is accurate which I know has not been done because Im supposed to be interviewed as well as my neighbors per the FCRA. A proper investigation needs to be done where theyre not investigating themselves & saying that they verified & its correct

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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
my Identify is stolen or Lost and i can not access my Privacy Credit report also i want XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive disputed these iteams. And nothing has happened..

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 2022-07-02 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: MD

Complaint narrative:
I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies

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 2022-07-02 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: MD

Complaint narrative:
I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is XXXX XXXX. I was on my credit report earlier, checking on my student loans, and I came across a credit card JMPCB with {$140.00} balance. It says it was a Chase Credit Card so I called Chase and they dont even have a record. 
I did NOT open a credit card with chase, I only have an open XXXX  XXXX card. 

I am very concerned and need to know who did this and how to get it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: LA

Complaint narrative:
On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per Experian, XXXX, and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account 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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Equifax are continuing to verify my accounts & they are inaccurate. A proper investigation is supposed to take place before verifying each item is accurate which I know has not been done because Im supposed to be interviewed as well as my neighbors per the FCRA. A proper investigation needs to be done where theyre not investigating themselves & saying that they verified & its correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: PA

Complaint narrative:
Attempted to use my Comenity Bank card online and at a gas station. I always pay my bill on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/2022, I purchased a XXXX XXXX  in the amount of {$970.00}. The purchase was made using my Chase Amazon credit card and made on Amazon.com. The credit card and Amazon offered an 18 month no interest payment plan. The credit card wrongly took away this promotion after one month even though I was never late and never missed a payment and met all the terms under the 18 month no interest plan. When I called the credit card company to complain, they stated that they applied one of my regular monthly payments towards the purchase price of the item. I never earmarked that payment towards the item and the company refused to reinstate the no interest plan. I believe Chase is enticing consumers into making large purchases with an 18 month no interest plan only to wrongly withhold or take away such promotion after the purchase is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
cfpb Complaint # : XXXX TransUnion did not make requested changes and claim that they did not receive the request by Certified Mail.

This is in violation of FCRA, Sections 611 ( a ) 6 & 7.

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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Ive disputed these iteams. And nothing has happened..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive disputed these iteams. And nothing has happened..

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 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My family and I have all had a similar experience recently where Chase has decided to close our accounts, mostly without notification, and subsequently said that the balance would be mailed to the address listed on the account. On XX/XX/XXXX, I discovered that my Personal Checking account was shut down because of a failed XXXX payment. I was not previously or since notified of its closure. My mother went to a Chase branch, as all of her accounts had been locked out. She was told by the bank teller that the balance of MY checking account was to be sent to our home, but could not explain why her name was on my account ( college checking, not high school/minor ). It is currently XX/XX/XXXX, and I have still not received the balance of my account and there is still no notification of the closure of my account. Today I went to withdraw my money from my savings account, as I am moving banks, and I went through most of the process before the manager had to override due to the quantity of money. After this, she pulled me aside to tell me that they were mailing me the balance of my account, but claimed that it was only {$0.00} anyway. The account had {$10000.00} in it, as per my app ( I have photo evidence ). To my knowledge, I have never made a withdrawal from this account, so the amount given is very obviously wrong to me. I was informed at the branch that the savings account had been shut down, which I had once again not been at all notified of. 
My entire family has endured similar account shutdowns, without notification or a given reason. These accounts were able to be recouped in value by cashiers checks, as they were emptied before they were closed but after they were locked out for supposed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: AZ

Complaint narrative:
All XXXX major credit bureaus : Trans Union, XXXX, and XXXX. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All 3 are currently FROZEN until I can begin the process to correct all 3 reports. 
When should I begin to remove these Freezes so, the corrections can be completed??

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 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited a check via de Chase Bank XXXX XXXX, for the amount of {$4300.00}. The bank placed a 10 day hold on the check. On XX/XX/XXXX I contacted a representative of the company that had issued the check and she verified that the check had cleared on their end already. However the hold on my part continued. On XX/XX/XXXX I logged in to verify that the hold had been removed, which it had. On XX/XX/XXXX I logged in to check my account and I was unable to see the account. I immediately proceeded to go to a branch and figure out what was going on. In the Chase branch a representative was able to confirm that my account had been closed without notice on XX/XX/XXXX but was unable to provide further details and said that a check would be sent out to my home address in 7-10 business days.

Company response to consumer: Closed with non-monetary relief