vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/2023 I saw a serious delinquency on my credit report without any communication from any banks. I looked into detail and found that it has been placed by Comenity Bank, saying that I made the last payment on this account in XXXX and my account is now delinquent. The actual status is : Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present Balance XXXX My XXXX account was hacked and as a result the information related to many of my credit cards accounts and my bank accounts was stolen. I closed and most of my credit cards and bank accounts and opened new accounts with the same financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This card was on autopay through XXXX checking account that was also changed after this fraud. This card being a small infrequently used credit card, somehow the autopay was not updated. The company never tried to reach out to me and directly placed a serious delinquency in less than one week of due date, which is unethical and illegal. I am buying a house. This delinquency of {$37.00} minimum payment led to a fall of about XXXX points on my credit score. now I have significant problems in buying home because or irresponsible and illegal attitude of the company. 
I tried to reach out to company. They refused to get me in contact of the credit reporting person in the company. I tried to reach out to the CEO of the company on XXXX and sent him an inmail. But no response was received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XXXX  I saw a serious delinquency on my credit report without any communication from any banks. I looked into detail and found that it has been placed by XXXXXXXX XXXX, saying that I made the last payment on this account in XXXX and my account is now delinquent. The actual status is : Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present Balance XXXX My XXXX account was hacked and as a result the information related to many of my credit cards accounts and my bank accounts was stolen. I closed and most of my credit cards and bank accounts and opened new accounts with the same financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This card was on autopay through XXXX checking account that was also changed after this fraud. This card being a small infrequently used credit card, somehow the autopay was not updated. The company never tried to reach out to me and directly placed a serious delinquency in less than one week of due date, which is unethical and illegal. I am buying a house. This delinquency of {$37.00} minimum payment led to a fall of about XXXX points on my credit score. now I have significant problems in buying home because or irresponsible and illegal attitude of the company. 
I tried to reach out to company. They refused to get me in contact of the credit reporting person in the company. I tried to reach out to the CEO of the company on XXXX and sent him an inmail. But no response was received from the company.

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 2023-09-30 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Company committed fraud by unauthorized use of my credit card and uses deceptive business practices. 

CREDIT CARD DEFINITION- USC1602 ( i ) - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

My ssn was given and my signature released funds thats were given by the federal reserve upon submission of my consumer CREDIT application that were taken and not issued to me. 



I applied for a car loan on XX/XX/2023 and was denied credit and adverse action was taken by XXXX XXXX and CAPITAL ONE which is illegal as stated in 15 USC 1691- 1691 ( f ) which states, This Act ( Title XXXX of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or GOOD FAITH exercise of any rights under the Consumer Credit Protection Act. 

GOOD FAITH IS DEFINED AS- a broad term thats used to encompass honest dealing. Depending on the exact setting, good faith may require an honest belief or purpose, faithful performance of duties, observance of fair dealing standards, or an absence of fraudulent intent. 

The fact that I acted in GOOD FAITH AND WAS DENIED MY OWN CREDIT is illegal and fraud. 

Company violated my consumer rights by taking ADVERSE ACTION by DENYING ME CREDIT when no law permits denial of a credit worthy applicant. 

ADVERSE ACTION IS DEFINED AS- an action taken or determination that is- ( I ) made in CONNECTION with an APPLICATION that was made by, or a TRANSACTION that was INITIATED by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( XXXX ) ( F ) ( li ) of this title ; and ( II ) adverse to the interests of the consumer. 

Company cant deny a consumer credit based on transactions made by a consumer as stated above. 

PROOF THAT ADVERSE ACTION OCCURRED IS IN letter in ATTACHMENT below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc.
State: FL

Complaint narrative:
Date : XXXX XXXX XXXX am XXXX USD I try to transfer money to my account in the philippines but the transaction doesn't went well successful.It has been XXXX and I did not receive it its still pending.The customer service kepts on telling me that there is a technical issue. But when I try to send money again to check if there is really a problem it went well successfully.There delaying my transaction.The agents thay they have is not helping me.They couldnt even give me a clear answer and solution to my problem.I ask for a refund but they could not give ot back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I've been a Customer with Barclay 's since XX/XX/2018 and they sent me a letter stating that they won't renew my account? For the most part, I'm on time with my payments. I just completed a financially draining divorce which destroyed my XXXX XXXX and now after almost XXXX years they want to penalize me by abruptly closing my account? It seems arbitrary and capricious in nature. I have other credit card companies who have reviewed my accounts and kept them open because of my XXXX figured income. I like the card and I'm very disappointed with " Barclay 's ".

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 2023-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has allowed XXXX XXXX to remain on my account as a negative item with no documentation or proper records and refuses to remove this. I have given explanation as to why - no knowledge and no, this account is not mine. It is sitting with someone elses name ( XXXX XXXX ) who I do not know, nor have I ever shared an account with anyone by this name. This needs to be removed. The company never provided actual documentation or evidence to support this account and experian allowed it to remain and gave a generic statement when this was disputed previously.

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 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OK

Complaint narrative:
In the month of XXXX, I sent 3 different emails and made one call to customer service to inquire as to why my loan payment had not been recalculated under the rules of the XXXX payment plan in effect beginning XX/XX/XXXX - specifically, the increase in the XXXX exclusion percentage from 150 % to 225 % - as is stated on the XXXX website. I have been in the REPAY payment plan since prior to the payment suspension, was automatically switched to the XXXX plan in XXXX, but the payment given to me by EdFinancial was not updated/recalculated and is the same as it was prior to the payment pause. 

I was informed by this representative that the XXXX rule change doesn't go into effect until XXXX of XXXX. I read the information from XXXX to the representative stating that it was in effect in for XXXX. She told me that was wrong. She checked with another person then told me again that was wrong and that my payment would not be recalculated under those rules until XX/XX/XXXX. I asked for a supervisor or someone else to talk to and was told there was no one else and even if there was, they would tell me the same thing. 

EdFinancial is not complying with the XXXX repayment program rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I made many attempts to ask for proof of debt and verification of identity used. 
Proof of Debt : Copy of original contract or Contract I have with debt collector Proof of Indentation : Copy of my ID and/or SSN card I want to verify where and how this was able to furnish to my credit report without my involvement or consent. And what makes me liable to pay this debt for whatever reason and if I maybe a victim of ID theft! Company just claims its verified without proof of debt or transaction I have or not have with them. 
Company has be contacted by Customers reporting agencies, XXXX  and directly. And has not provided proper documentation to resolve or has not removed this claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I want to express my concerns about how Bank of America handles unpaired payments. Instead of rejecting such a payment, Bank of America accepts the payment, reduces its amount for a fee and wires another transfer back to the original bank. 

This process takes days and leads to a charge for an accepted international payment, charge for sending money, and another charge for an international payment back to the original bank. For an international payment a typo in a secondary identification next to account number ( such as name or address ) can cost close to {$100.00}. 

On the contrary, rejecting such a payment is instant and free of charge. Accepting such a payment might go against regulatory compliance and could be considered exploitative and not in the best interest of clients.

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 2023-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit 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 non-monetary relief
Consumer complaint received 2023-09-30 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: EQUIFAX, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My federal student loans are currently serviced by Aidvantage. I recently submitted paperwork to consolidate my student loans. At XXXX. XXXX on XX/XX/2023 I received an email from XXXX with the subject line " New document ready to view! '' In the body of the email it says " For your privacy, we have secured this document in your Aidvantage inbox. '' and then it has a big purple button that says " view your document. '' This email appeared to me to be coming from Aidvantage. However, when I clicked on the " view my document '' button it took me to a different website with the URL " XXXX. '' I've never heard of this website. It does not appear to be Aidvantage. My browser flagged this website as unsecure and said " Your connection is not private Attackers might be trying to steal your information from XXXX ( for example, passwords, messages, or credit cards ). Learn more '' and that " This server could not prove that it is XXXX  ; its security certificate expired 137 days ago. This may be caused by a misconfiguration or an attacker intercepting your connection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: ID

Complaint narrative:
Equifax claims they have completed their investigation and determined that I have an account with XXXX XXXX which is absolutely false and Equifax should be able to easily determine that it's false through their own records. XXXX was included in my XXXX XXXX XXXX  that was discharged on XX/XX/. XXXX acknowledged this by inserting a comment about my bankruptcy and no longer reporting the debt though they continued to harass me by phone. Suddenly, when I was recently approved for two credit cards, XXXX removed the comment and posted the reaged debt to my credit profile. Equifax concluded their so-called investigation by claiming the debt to XXXX was valid. Please assist me as I'm trying to rebuild my credit. I can't imagine why Equifax has decided to assist this lying company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase bank froze my account and held my payroll funds. 
I woke up on payday and my direct deposit had not posted. I called my employer and they said they posted to my direct deposit account on file. 
Upon calling chase they said they froze my account and are closing it. There was no notice and they posted a notification the day they closed it which was the day of payroll!!! And immediately froze my funds and after XXXX hours no one could tell me why or tell me how to get my payroll. 
After 5 days they allowed me to withdraw my payroll. Still have no idea why they closed my account. Then all bills paid from this were late and rejected and caused me fees to returned payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
My mother has stolen my identity and has used a credit card in my name and there's a large balance and my mother isn't paying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
They tell me ihave to make the almost {$400.00} a month payments. This loan has charged me well over 100 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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