vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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:
My personal information has been exposed by mutable Companies starting in XXXX by Equifax. In XXXX I received a letter from the IRS that someone was using my identity to file their taxes. In XXXX I was notified by a XXXX insurance billing company called XXXX that has sold my information to the Dark Web. In XXXX XXXX XXXX notified Me that my identity was exposed in a data breach. In XXXX XXXX XXXX  XXXX XXXX notified Me that my identity was exposed in their data breach. In XXXX a company XXXX XXXX services notified Me that it's computer servers were hacked and that my identity was involved. I have tried to get the credit bureaus to take this matter serious because it has ruined my name and my Credit. Prior to XXXX my credit was very good. Anyone can see the trend on my report. I have had problems with the credit bureaus with the correct spelling of my name. I have had trouble with them reporting inaccurate addresses. Even my work history was not correct. I have worked most of my life in high Management. Not as a Babysitter. I have only Two different addresses in 25 years. I opened my bank account in XXXX. I am a very stable person with a very good monthly income. My credit has been checked so many times I have lost count. I have been trying to purchase my Veterans Administration Guaranteed Home Loan but the wrong information is being reported on me. At one time You didn't know what my 3 credit cards were. My loan you report but you don't know what it is. I am requesting my credit report to be corrected. Over Two I have reported this to You and You do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ****, XXXX XXXX XXXX ****, XXXX XXXX XXXX XXXX  XXXX and XXXX 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 : 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 2022-09-22 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2022-09-22 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: NY

Complaint narrative:
Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that XXXX  is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is not my account.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
CFPB + XXXX + Hunter Warfield, On my XX/XX/2022 it says there is a collection account from HWARFIELD- not only do I not know whom this creditor is- they have re-aged this collection account which is a violation of FCRA compliance. 

Attached to this complaint are : - drivers license - social security card - address - written complaint + screenshot from credit report where its located I demand this account, which does not belong to me, and has been illegally re aged, be removed from my XXXX credit account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a complaint on the Children 's Place Rewards Store credit card. 
I had a balance of {$260.00} that was due on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX in the amount of {$260.00} ( 18 days before my due date, no residual interest ). For the next month, my balance should have been {$0.00} but they charged me an interest of {$2.00} on a {$0.00} balance, including a charge of {$0.00} for account protection ( Account XXXX which I have no confirmation of signing up for ). In fact, I have an email stating that I am not signed up for it. Regardless, based on their guidelines for Account XXXX, you are not to be charged when there is a {$0.00} balance. 
Then late fees and more finance charges were added in the total of {$6.00}, which I paid of on XX/XX/XXXX. 
The next month in XXXX I have a finance charge on my statement again, including late fees and charges for account XXXX. The same charges were added and I once again paid it off on XX/XX/XXXX. 
Please note I closed the account on XX/XX/XXXX XXXX received a confirmation letter from them. At that time, I asked about the charges and they agreed they would remove them. 
To this day, I am still getting calls to pay what is supposedly owed even though I explained I have already cleared my balance and asked why they are charging interest or finance fees, adding account XXXX  charges and late fees on a {$0.00} balance. Today I called Comenity Bank, and they gave me the run-around, placing me on several long-holds several times. I asked to speak to a manager or supervisor since I had already resolved this issue in XXXX. In the end, they alleged the system was not working and to call back. 
If I pay this balance which is now around $ XXXX, I fear they will forward a finance charge on a paid balance of {$0.00} again and this cycle will continue and will never be paid/cleared. 
I feel this is consumer/credit card fraud. All charges should be transparent at the time you have to pay your bill so that a customer can pay off their balance and there are no surprises after you think you have paid off your bill. And lastly, a finance charge should not be charged on a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  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 2022-09-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  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 2022-09-22 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX XXXX are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed becasue Accoring to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX University XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX. XXXX XXXX Bank XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX XXXX ( XX/XX/2022 XXXX. Equifax XXXX ( XX/XX/2022 ) XXXX. XXXX - XXXX Service ( XX/XX/2022 ) They have also violated me under codes 15 USC 1692 ( B ) ( 2 ) & 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I have repeatedly requested to close my account with AVANT LLC and my requests has been ignored. This suspicious behavior is unacceptable!! I'm requesting to close my account and to overnight my government XXXX benefits to the address on file. Instead, AVANT IS DEMANDING TO REPLACE A LOST OR STOLEN DEBIT CARD THAT I DID NOT REQUEST. I WAS FORCED TO UPDATE THE APP WITH THIS BUT THE APP NEVER ACCEPTED MY password after XXXX attempts. Please see screenshots for proof. {$300.00} was PAID AND THE OTHER {$300.00} IS STILL PENDING ALMOST ANOTHER MONTH LATER PENDING TRANSACTIONS CAN STAY IN PENDING STATUS LEGALLY??? I WANT AND NEED MY FREAKING MONEY THIS IS ABSOLUTELY TORTURE!! I WAS I NEVER HEARD OF THIS DECEIVING INSTITUTION!! I also mistakenly sent my taxes to them and the representative was distracted with the wrong document and instead I needed help with my account. I repeatedly requested to not share my private information and I informed him that I sent the wrong attachment and had I not volunteered to share the representative wasn't going to be honest and tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I received a letter from Harris & Harris , Ltd., requesting payment for a charge that I was not aware of. However, I sent a reply to them on XX/XX/XXXX, to provide me proof that this is my account. Instead, they send me another letter dated XX/XX/XXXX, indicating the amount owed. I do not recall doing business with them. I requested to provide me with the agreement and contract with my signature. In addition, XXXX  asked to validate of HIPAA contract with my signature and complete accounting of alleged debt that I do not recall. They continue to ignore my request. Now, there is another letter indicating the same bill without any validation I requested in my previous letter. They did receive my certified letter with a returned receipt. See below from the Postal Office Tracking information : XXXX XXXX XXXX XXXX XXXX. 

Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX  on XX/XX/XXXX, in XXXXXXXX XXXX XXXXXXXX. 
Delivered, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-09-22 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: NC

Complaint narrative:
I have been trying to get all three credit bureaus ( Transunion ) ( XXXX ) ( XXXX ) to take these four things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX Merchant XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!

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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma suggested some cards they gave me high percentage of probability I would be accepted and I was denied over and over again and it did damage to my credit report and I understand there's a settlement about that now and I want to be a part of that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On Friday XX/XX/2022 I received an alert that my Citibank account had fraudulent charges. I immediately called Citibank and found out that there were XXXX transactions that were blocked, as well as a {$50000.00} wire transfer that I never authorized. I asked Citibank how to handle this fraud case, I followed their instructions and placed a block on my account to prevent any further transactions. I called many times that night to make sure my account was safe. I tried following up with them over the weekend but the fraud department was closed. I called the wire fraud department first thing on Monday XX/XX/2022. I was told that early that morning ( XX/XX/XXXX ) my account block was lifted and another wire transfer of {$50000.00} was taken from my account. Again, I went through the whole process of blocking my account. I also asked Citibank why a wire transfer was sent out again after I clearly reported wire fraud for the same amount one business-day earlier, to which they had no answer. They advised me to place a block on my account again. But they could not guarantee that the nefarious actor wouldnt be able to call in again, lift the block, and wire transfer again. There was no security option in place to protect my account at this point AT ALL. I decided to go to Citibank, request a cashiers check for my full remaining balance and I opened an account with a safer bank. 
After reporting both wire fraud instances to Citibank, I also filled out an affidavit of unauthorized wire transfer that Citibank requested for both fraud instances and emailed them to XXXX After that I spent the next week calling asking for status, I was told that at most the investigation could take 90 days. 
Once 90 days passed without receiving any information from Citibank I start calling into Citibanks Wire Fraud Escalation Department as well as the IRU department often ( every week/two weeks ) and get the same response that my case is pending approval and I should receive a letter in 7-10 days.

It has now been 5 months, or about 150 days since my initial fraud instances I have heard nothing about the status of my case. Citibank keeps telling me I will receive a decision in 7-10 days but I never receive or hear anything from them.

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 2022-09-22 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-09-22 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-22 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: DE

Complaint narrative:
I have submitted disputes to all credit bureaus and 2 have fixed the issue. I submitted 2x to experian and they stated that they investagated the creditor ( XXXX XXXX XXXX ) and updated my credit report. Unfortunately they have not and my credit report is still showing a past due. I disputed on XX/XX/24 and XXXX I believe

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 2022-09-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief