vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: EQUIFAX, INC.
State: AL

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

This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2017. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens bank by far is the worst. 

I filed a complaint to CFPB before for being unable to reach their customer service due to always busy phone line. Eventually, the bank got back to me after I filed a complaint. In the call, I emphasized that I wanted to close all my accounts with them. However, after several months, I received an email from them saying they will start charging maintenance fees. I logged into my online banking account, and realized that they didn't close my saving account. I couldn't do it without calling their customer service again. 

I highly suspect this bank deliberately makes it difficult for customer to contact them. By now, their online chat is still unavailable. By all means, they try to charge fees. There are bad reviews of this bank all over internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with Equifax regarding a student loan that continues to show on my credit report with them from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last XXXX to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and XXXX that the funds in question were returned to XXXX. However, every time attempt to have my Equifax credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from Equifax stating that XXXX confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called XXXX months ago I was also told that my balance was {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NY

Complaint narrative:
Borrowed XXXX from XXXX XXXX. Lady on the phone did not explain the interest rate would be XXXX after paid off on a weekly basis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have been trying to pay my credit card statement for my XXXX account through commenity but the website has been down for a week. Card is also being declined, and call center hs been shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, XXXX XX/XX/2020, AN XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXXXXXX XXXX XXXX XX/XX/2020, XXXXXXXX XXXX  XX/XX/2020, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020

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 2022-06-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to Equifax from XXXX of XXXX 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
n 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 2022-06-28 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: TX

Complaint narrative:
n 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 2022-06-28 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: CITIBANK, N.A.
State: AL

Complaint narrative:
THE HOME DEPOT CLAIMS THAT I APPLIED FOR CREDIT FROM THEM ONLINE. I HAVE NEVER APPLIED FOR ANY CREDIT FROM THEM AT ANY GIVEN TIME. MY REPORTS HAVE A BLOCK/FREEZE ON ALL OF THEM AND I DID NOT GIVE THEM MY PERMISSION TO CHECK MY CREDIT. THE FREEZE/BLOCK HAS BEEN ON MY REPORTS FOR ABOUT 8 YEARS. I AM A VICTIM OF IDENTITY THEFT. IT STATES THAT ON MY CREDIT REPORT. IN ORDER TO CHECK MY CREDIT YOU WOULD HAVE HAD TO CALL ME FIRST. THERE IS A STATEMENT ON MY CREDIT FILE YOU MUST CALL ME BEFORE YOU CHECK MY CREDIT. I DID NOT APPLY FOR ANY CREDIT FROM YOU AT ANY GIVEN TIME. IF YOU HAD READ MY REPORTS IT STATES THAT YOU ARE TO CALL ME BEFORE YOU CHECK MY CREDIT BUT THE COMPANY DID NOT DO THIS. I NEVER RECEIVED ANY PHONE CALLS OR E-MAILS OR MAIL. I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION IS ALL OVER THE DARK WEB SO SAYS XXXX AND XXXX, THEY WERE THE ONES WHO NOTIFIED ME OF THIS FRAUD. I DID NOT APPLY FOR ANY CREDIT FROM YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX and this is a follow up complaint to Portfolio Recovery. 

I understand Portfolio Recovery stated We will honor the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. 

Im aware pursuant to 15 USC 1692a ( 2 ), The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

My credit report is a medium. 

I understand under the FDCPA, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity Bank Company website has been down for over a week along with the phone service. 

My payment is 2 days late and I'm unable to log online or even pay by phone. I've been trying to login daily for the past few days Trying to avoid getting hit with late fees and a late payment history added to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 

15 U.S.C. 1681 A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A 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 explanation
Consumer complaint received 2022-06-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank is claiming to have been uodating their system. Their XXXX claiming this came a day ago but other users across their bank have been complaining for weeks. There was no warning this update was coming. They are not responding on the phone and being vague in replies on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 we requested specific information from Transunion which will be listed with this complaint. 

This complaint is for TransUnion and TransUnion only as they are the credit reporting agency. 

On XX/XX/2022 we requested documentation of how the investigation was completed, by whom at TransUnion conducted the investigation, who they spoke with at 1st progress, documentation provided to TransUnion bearing my signature showing that I have a legal obligation to pay this account and that e-Oscar is not an acceptable form of verification. 

On XXXX I received a generic response from Transunion which did not include ANYTHING requested so I am now looking forward to bringing suit against TransUnion in our small claims civil court for 3 separate suits. Defamation, Negligent enablement of identity fraud, and violation of our state 's fair credit reporting act. 

I am now requesting the physical address of the counsel and who I would name on our subpoena so that I may file this in small claims court. A XXXX XXXX can not be used for legal service of a subpoena

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 2022-06-28 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX bank acct XXXX Portfolio Recovery ref XXXX I had a ( secured card ) with XXXX XXXXXXXX that just stop working one day secured for {$250.00} XXXX  XXXX put it on my credit report that I owed {$230.00} I paid XXXX XXXX with a certified check from XXXX XXXX XXXX XXXX that they verified was received by XXXX XXXX on XX/XX/2022 it is XXXX and XXXX XXXX will not verify I paid to the credit bureaus How did I owe if it was secured for {$250.00} I paid and portfolio will not acknowledge payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi contacted me and offereed a XXXX XXXX Checking account. As a sign on bonus they promised XXXX XXXX XXXX miles if I completed various activities which I did. they also promised free checking and a raft of other sevices. 

They never kept up their side ... No miles, they changed my account and are trying to charge me {$35.00} a month for checking plus {$35.00} overdraft fee on their erroneous service fee. I have to keep the account open waiting for the miles.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have a zales credit card and the bank is Comenity bank i cant make a payment and my due date for it was XX/XX/XXXX they say their systems are down and also their costumer service isnt working or answering calls. I tried different ways to pay and nothing is working. I want to make sure it wont affect my credit score and also have late fees since this isnt my fault. I tried to make my payment on time.

Company response to consumer: Closed with monetary relief