vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a case of conflict of interest against the consumer, summarized as follows : Credit issuer is declining to issue a chargeback to their partner store card merchant for defective merchandise returned, because their partner store card merchant feels their return policy has been violated [ paragraph 5 ].

Credit issuer admits in their attached letter that they are " ( not ) responsible for handling matters related to sales, merchandise processing, returns and shipping. '' [ paragraph 4 ] Yet credit issuer, despite acknowledging in their own words that " the laptop was liquidated ( by their partner store card merchant ) '' [ paragraph 5 ], refuses to refund the consumer for a defective device no longer in the possession of said consumer - flying in the face of their immediately preceding assertion, instead acting as the enforcer of the return policy. 

If there were no conflict of interest and the credit issuer claim that " Comenity Capital Bank and XXXX & XXXX XXXX are separate entities '' [ paragraph 4 ] were truthful ; credit issuer could only have decided on the logical basis of the physical possession of the defective merchandise, instead of a third party return policy. Clearly this is not the case as credit issuer has based their decision on an ostensibly third party return policy instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had updated my home address to the bank Wells Fargo and they froze my checking and saving accounts.my direct deposits are not recieved.all my bills are going unpaid.I found out on XXXX that my accounts were frozen.I visited the bank twice to correct the issue with no resolve. I had done all that they requested.Even the bank manager complained about the situation. She admits that there was no issue that was my fault.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Remove hard inquiries from my credit report 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 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 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 XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Remove hard inquiries from my credit report 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 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 Experian 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 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

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 2023-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I sent in letters to the company MERCHANTS CREDIT GUIDE and all 3 credit bureaus to get this XXXX collections off my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/ I disputed the medical debt collections. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number XXXX XXXX 

On XX/XX/ I disputed the medical debt collections again. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. These articles I have attached to the 2nd dispute. I called and spoke to one representative who did not know about Equifax 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to, in addition the the articles I already attached as supporting documents, attach a cover letter outlining my request. Confirmation number : XXXX XXXX XXXX I disputed the medical debt collections again, for the third time. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX  I called on XX/XX/ and spoke to XXXX XXXX. 

I am at a loss and have no idea why these articles, published by Equifax aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have been trying for months to submit a dispute on both Transunions website. My credit report will not pull up. XXXX and XXXX pull up fine. I've also tried to access Transunion through myannualcreditreport. It will not pull up. Transunion 's score is XXXX points lower than both XXXX and XXXX and is used quite frequently. We just had an account closed ( 15 year account holder with no derogatory history ) because of Transunions low score. Who provides oversight to these bureaus? How can three agencies with the very same info have one agency so far apart from the other? XXXX points is way too significant.

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 2023-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
On XX/XX/2023 I went to the Chase Bank in XXXX, RI to close my deceased brother 's savings and checking account. I presented a death certificate, certificate of trust and a will as proof of my legal claim to close the account. The bank refused to close the account. I had to hire a lawyer who presented the same paperwork, on XXXX XXXX, to a Chase bank in Florida, where my brother lived. The Chase bank, in Florida, could not provide a reason why the RI branch refused the request to close the account. I went back to the the RI branch, on XXXX XXXX, and told them about what the Chase bank in Florida stated. I provided the name of the XXXX XXXX person and phone number to the RI branch XXXX who spoke to the Florida XXXX. The RI XXXX looked at the paperwork submitted by the Florida XXXX, which was the exact same paperwork I submitted on XXXX XXXX. On the XXXX of XXXX. I was called by the RI XXXX and informed I could close out the account. On XX/XX/XXXX, I closed out the account. I had the expense of hiring a lawyer and would like to be reimbursed for that expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed numerous complaints against national credit services to validate a debt and disputed the debt with Experian multiple times. Attached are the FTC complaints that were also sent to Experian and national credit services. I was a victim of identity theft last year and it has continued. Experian has not removed the trade line from my account as required by law and national credit services has not validated this debt neither has the originating company. It has to be removed by law until it's validated and I have evidence that they can confirm that is actually me who rented this unit.

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 2023-10-07 00:00:00
Product: Credit 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: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Truist Fraud Management Claim No XXXX XXXX On the ATM/ Check/Electronic Check error Resolution Form there was a mistake where the sender pre-typed some wrong information. I was sent this form and was asked me to fill out the unmarked items, after looking over the form they pre-typed on line # 5 that I had my PIN # written on the back of my card. I did not put that there and they would not let me refute the claim or ask any more questions. 

I wanted a through investigation of the initial phone conversation when I made the claim. I do not recall answering question # 5 saying that my pin number is on the back of my card. 
I also went into the branch to make a claim and it wasn't submitted correctly so it delayed my claim for two weeks, i would also like that investigated.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of an account from my credit report that has been negatively impacting my credit score. 
I want to express my gratitude for your willingness to work with me to reach a settlement on these accounts. It was a challenging time for me, and I appreciate the understanding and cooperation that your team extended during the negotiation process. 

As part of our settlement agreement, I fulfilled my financial obligation by making the agreed-upon payment. Since then, I have upheld my end of the agreement by maintaining timely payments on my other financial obligations. I believe this demonstrates my commitment to improving my financial standing and taking responsibility for my credit history. 

Now that I have fulfilled the settlement agreement, I kindly request that you take the necessary steps to remove this account from my credit report. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies report accurate and up-to-date information. Given that the account in question has been settled, I kindly request that you report the updated, accurate status to the credit bureaus. This action will help me rebuild my credit and move forward with my financial goals. 

Please consider this letter as a formal request under the FCRA to investigate and update the status of this account on my credit report. I kindly request that you provide me with written confirmation once the account has been updated or removed from my credit report. 

please do not hesitate to contact me at XXXX or XXXX I appreciate your prompt attention to this matter and your cooperation in resolving this issue. I look forward to a favorable response and the timely removal of the account from my credit report. 

Thank you for your assistance in rectifying this situation and helping me work towards a better financial future. Your cooperation in this matter is greatly appreciated.

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 2023-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I was a victim of identity theft twice during the time frame this supposed rental unit was rented. National credit services nor the apartment complex can provide me validation of the debt and evidence that it was me who rented the unit. I have filed XXXX FTC complaints which have also been provided to all parties. I can't be in Michigan and Nevada and New Jersey at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was given XXXX American Express XXXX XXXX in the past year at work, one for {$75.00} and another for {$100.00}. I now have {$9.00} left on the {$75.00} card and {$22.00} on the {$100.00} card, but because neither card can be " split '' with my XXXX card to cover an online purchase, I'm having trouble using them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of an account from my credit report that has been negatively impacting my credit score. 
I want to express my gratitude for your willingness to work with me to reach a settlement on these accounts. It was a challenging time for me, and I appreciate the understanding and cooperation that your team extended during the negotiation process. 

As part of our settlement agreement, I fulfilled my financial obligation by making the agreed-upon payment. Since then, I have upheld my end of the agreement by maintaining timely payments on my other financial obligations. I believe this demonstrates my commitment to improving my financial standing and taking responsibility for my credit history. 

Now that I have fulfilled the settlement agreement, I kindly request that you take the necessary steps to remove this account from my credit report. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies report accurate and up-to-date information. Given that the account in question has been settled, I kindly request that you report the updated, accurate status to the credit bureaus. This action will help me rebuild my credit and move forward with my financial goals. 

Please consider this letter as a formal request under the FCRA to investigate and update the status of this account on my credit report. I kindly request that you provide me with written confirmation once the account has been updated or removed from my credit report. 

please do not hesitate to contact me at XXXX or XXXX I appreciate your prompt attention to this matter and your cooperation in resolving this issue. I look forward to a favorable response and the timely removal of the account from my credit report. 

Thank you for your assistance in rectifying this situation and helping me work towards a better financial future. Your cooperation in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XXXX XXXX XXXX  Credit card expedited to me, WENT to activate it and when I did it already had 2 pending charges on the account.Immediatly called bank of America and told them to close the card. On the site it wouldn't even let me freeze the card.I called I was informed it was froze and closed. Then also got a call the next day from a live person that asked me if I make a new purchase at a grocery store. I TOLD HER I called and was told they closed the card for me because of what Happened the day before. She told me it was not closed and I was once again told TheCard Is Closed now by her.

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