vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: CA

Complaint narrative:
Comenity Bank, I can not use or access any of my Comenity accounts online due to a " system outage. '' I am on auto-pay and none of the payments have been automatically made, either. I'm receiving emails telling me I have more time to pay, until today. I still can not access my accounts. This includes my ALL Rewards XXXX, XXXX Credit Card, XXXX XXXX XXXX. This has been happening for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-06 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased clothing from an online store and they were not as advertised, bogus and very poorly made. I contacted the merchant and they agreed to refund me in full once the items were sent back at my expense. Everything was mailed back and delivered to merchant in XX/XX/2022. Tracking number confirmed that the package was received by the merchant, however they are refusing to refund my money. I contacted the credit card company and started a dispute. They requested the receipt of mailing and delivery confirmation which I uploaded, they gave a temporary credit but reversed it stating that the company disputed the chargeback. The credit was again credited after additional info was received, but then reversed again. Capital One then suggested that I contact the merchant. I contacted the merchant via the only means they provided ; ( XXXX  ) or ( XXXX ) and was told that I turned on the chargeback and that the money is blocked by the bank. I was again told to wait for an answer to my appeal from the credit card company. I contacted the credit card company and they on two conversations confirmed that they are not interfering with the refund transaction. I can only contact the merchant via email and I keep getting the runaround from them. They received their items since XXXX XXXX, XXXX. The items total {$200.00}. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing XXXX transactions due to transaction errors trying to withdraw from ATM machines however I never was dispersed the money but my account was taking away from my whole dollar amount without me receiving the funds from the machine the bank has me on some fraud program that messed up my whole account where my card was declined at some points and was accepted at others and then I would have to call and say that was me trying to get the money and they wouldn't make me do it for the last XXXX transactions and now when they authorize all those I was no longer at the ATM machines it says it was authorized one day and then posted another business day. I use the same ATM machines and the one time that I did get the money it was posted and authorized on the same day. Please see attached.

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 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/2022, I sent {$100000.00} to the XXXX XXXX XXXX for service for a trade transaction I thought I was doing business with a real company which is why I transferred via BMO Harris Bank. In addition, on XX/XX/2022, this company requested an additional fee and I sent an additional {$56000.00} to the XXXX XXXX again via BMO Harris Bank. The XXXX XXXX XXXX is a fraudulent company BMO Harris Bank is apparently enabling their illegal activities. I have gone back and forth with my bank and BMO Harris bank. BMO Harris Bank refuses to cooperate in rectifying this matter with my bank and my bank is telling me to contact XXXX XXXX XXXX which is a total fraud. 

Recently, a business colleague of mine got an invoice from another company however the receiving bank account was the same exact XXXX XXXX XXXX at the BMO Harris Bank. Overall, XXXX XXXX is allowing the XXXX XXXX to commit criminal activities within their esteemed financial institution.

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 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Have been an Ally Bank customer for nine years, with checking and savings accounts in good standing. 

-- - XX/XX/2022 : Received a postal letter from Ally, " RE : XXXX Notice of Account Closure '' dated XX/XX/2022, which states that my accounts will be closed " on or about XX/XX/2022. '' No reason given, other than referring me to the Deposit Agreement. There is nothing in the agreement other than they can close any account at any time for any reason. 

-- - This sudden closure gives me only 5 days to change banks and transfer my funds. Note that their first class postal letter arrived EIGHT DAYS after they wrote it. If they had simply used their secure email messaging service, I would have had ample time to comply. 

-- - XX/XX/2022 : I sent Ally a message via their website, requesting the reason for closure and pointing out the lack of sufficient time to change my bank. I pointed out that I had read the Deposit Agreement but was unable to find any more information about this closure. 

-- - XX/XX/2022 : I applied to XXXX XXXX  to open a new account, and await their review of my application. 

-- - XX/XX/2022 : Via my XXXX account, I requested a cash transfer amounting to the total funds remaining in my Ally account. Such transfers have never been an issue, although it can take a few days for the funds to clear. 

-- - XX/XX/2022 : Ally replied, but offered no explanation for the closure and simply referred me back to the Deposit Agreement ( I had already explained that I had read 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 2022-07-06 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: CA

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-07-06 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 XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX 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 2022-07-06 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: CT

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MN

Complaint narrative:
I got a loan for {$840.00} from River Valley Loans on XX/XX/2022. Since then I have paid 7 biweekly {$150.00} payments, a total amount of XXXX. I contacted River valley surprised that I was still being charged, thinking I had paid it off. Just to be told that I only paid {$8.00} of my principal. How is that even legal? The payments are very high for a small loan and way too high of interest charges. I contacted them again and the only thing they would do is slightly reduce the payments. But would not reduce the principal I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts. I will pursue {$1000.00} per violation if the accounts are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: CT

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-06 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: CT

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wanted to return an item to XXXX, So I went online to get a contact through there website and I went to a wrong XXXX website that was looking identical not knowing it was a wrong site. I called the number I got from this website and the individual gave me a badge number and told me he was going to help. He told me to download an app called XXXX which did and they told me to open my bank account as that will be the easiest way to help resolve the issue I was experiencing with me XXXX account. I did and they told me to punch in some numbers that it is just a code that they are not taking my money. After getting off the phone with them I called my bank right away to notify them and the return part of the money which was {$1900.00} and they refuse to refund me the balance of {$490.00}. Which was part of the code they told me to enter not knowing they were stealing my money. 

Please help with resolving this issue.

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 monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a Dispute to Transunion on XX/XX/2022 with following disputes on XXXX XXXX XXXX and XX/XX/2022 I have not received any results or method of investigation, the company also fail to add " remarks " on the account that is been on outgoing disputes. instead a received a automatic letter that make no sense, see attached See attached dispute letters.

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 2022-07-06 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 XXXX Account # XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX  ) XXXX ( 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

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 2022-07-06 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: OH

Complaint narrative:
Experian has me locked out of there system which I have the right to see and try to correct any wrong information on mine credit report. 

XXXX just sold XXXX student loans the end of XXXX that is world news they have reported on my credit report since XXXX? I want my points and this problem fixed. 

Experian is requesting id bank state or other documents to verify address no utilities bills because I am XXXX, fix 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 2022-07-06 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:
I have previously made Experian aware that there was inaccurate information on my credit report. Experian responded by stating : " In regards to the inquiries, by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information ''. I have already submitted a fraud complaint with the FTC which Experian has ignored. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian. 
XXXX XXXX XXXX ON XX/XX/2022 Experian. 
XXXXXXXX XXXX XXXXXXXX ON XX/XX/2022 Experian. 

I do not recognize these inquiries, and I have not given them " permissible purpose '' to run my credit. Experian has an obligation to not report information they believe to be untrue or inaccurate or that they've been TOLD is untrue or inaccurate. 

.

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