vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, 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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2022 my Bank of America credit card was charged for {$1200.00} for a company called XXXX XXXX XXXX, XXXX in XXXX XXXX, WA. I did not approve this charge. I didn't even know what they were until I contacted the company. They had no idea what I was referring to as they are a holding company and do not deal in any credit card transactions. XXXX the person I spoke to looked into their financial records and could not find that amount or my name associated with any of their records. I contacted Bank of America and tried to have this charged reversed THREE times with the last attempt on XX/XX/XXXX when I spoke to a fraud supervisor in Texas named XXXX. He said I would be receiving letter by email and regular XXXX mail re-opening my claim with the # XXXX. The first two fraud claims I opened, I received a letter stating that the merchant provided them with documentation confirming that I received the merchandise or service. Each time I asked them for their " proof '' they said they couldn't give it to me. I have spent hours upon hours trying to resolve this situation and continue to get the runaround. They have returned the charge to my account and expect me to pay it. I will not. Any assistance in this matter would be helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens Bank refuses to remove PMI from my loan even though I meet the 80 % requirement. They delay and delay. They refuse to get a supervisor on the phone.

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

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX, XXXX as well as XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I have tried accessing my account online to make a payment, only to be told I can not access my account due to a system update.

Im unable to check my balance, make a payment, check my card for fraudulent purchases, or cancel my card. 
Now the website suggests XXXX, which does not work. Ive tried to enter multiple times and the page never loads and then says it can not be accessed at this time. 
If I call, it says it will connect me to an agent and then the call disconnects. Ive tried all the company suggestions multiple times and nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection 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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A. 

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 

Account # Vendor Amount XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I obtained an {$800.00} XXXX XXXX XXXX  loan from Spotloan in XXXX of XXXX. The terms of the loan were ; I was to pay {$140.00} bi-weekly for 10 months, and payments were automatically drafted from my checking account. However, I'm still being charged. I contacted the company and asked why? I was told I missed a payment and it extended my loan until XXXX of XXXX. I was also told they " tried '' to contact me, but couldn't. Yet I did speak with a representative who informed me I could refinance and borrow more money, which I declined. I authorized a payment be drafted from my bank account and believed I was current. I was not, and they have been charging me interest daily. My current balance is {$640.00} after paying {$280.00} for 11 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I opened a credit line with carters ( XXXX XXXX XXXX XXXX from Comenity Capital Bank ) Ive tried calling them 50 times to make a payment and their phone service is down, it keeps telling me that they are close due to out of control reasons to try to call at another time, Ive tried creating an account to make a payment and it asks me for my credit card number that Ive never received, Ive tried sending a message to their center and it asks me to sign in and in order to sign in I need to have my credit card number which Ive never received, my payment was due XX/XX/XXXX and its late showing in my credit report now, I need this account erased from my credit report and I need XXXX company to solve this ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX MY XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I made an online order to Kohls. My shipment is now 13 days late. The tracking shows it has not moved since the date of shipping. I have contacted Kohls 3 times asking what is going on. And to have my products reshipped or I want my money back. This Package was to be already delivered and it is no where to be found. I was told I have to wait another 10 days. I told them that was unacceptable and they did not deliver when said. They still refused to return my money. I have ordered 3 packages since the missing one and they have all been delivered. 
This is just unacceptable. They lost my package and basically stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
Transunion is reporting a bankruptcy on my Transunion report that they say they verified with XXXX. I reached out to XXXX & they verified they do not have a bankruptcy on file for me. I also reached out to the US Bankruptcy Court & provided them my personal information & they didn't have a bankruptcy on file for me either. They also asked for a reference or file #, which they said I should have, there isn't one listed in my Transunion report. They also said they don't provide bankruptcy information to Transunion. I reached back out to XXXX & asked them to send me a copy of my report so that I could see for myself what is being reported. Again there is no bankruptcy on file for me. I'm attaching the XXXX table of contents that does not include a bankruptcy & the court document. Please verify the name & address is 100 % accurate in the bankruptcy Transunion is reporting. Verify the File date? Additionally, how did Transunion arrive at an : " Estimated month and year that this item will be removed '' Why is there an " Estimated '' & not an exact date? And why is it in 2025? 


I'm also including my personal bank statement & a partially redacted ( for security purposes ) social security card for identity purposes ; as to avoid receiving a stalling letter from Transunion as they have done in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have 4 accounts that have been unverified and was requested to be removed by the 3 credit bureaus ; Transunion, XXXX, and XXXX. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all 3 bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have 4 accounts that have been unverified and was requested to be removed by the XXXX credit bureaus ; XXXX, XXXX, and Equifax. I have sent 2 letters asking for proof of validation with ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all XXXX bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company MIDLAND CREDIT MANAGEMEN Original Creditor XXXX XXXXXXXX XXXX XXXX has continually adding illegal fees, I have already file a complaint on this account to the bureaus and to the company but they never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX, I mobile deposited a check into my personal Chase checking account. The valid check was addressed with my name from my landlord for a security deposit return in the amount of {$3400.00}. Chase Bank has withdrawn the funds from the check makers bank account, but has not released them to me or returned them to the maker of the check. Additionally, Chase has entirely suspended all of my other unrelated funds associated with this account, a total of {$84.00}, and closed my account. Chase Bank is now refusing to issue the funds ( both the {$3400.00} and the {$84.00} ) to me. They also have refused to issue the check funds ( {$3400.00} ) back to the maker of the check. Due to the negligence of Chase Bank on this matter I am currently being held liable for these funds. 

In attempts to resolve this issue with Chase Bank, I have spent a total of 227 minutes on the phone with their customer service. I first reached out to them on XXXX for a total of 32 minutes on the phone and then visited their branch in XXXX XXXX, XXXX XXXX XXXX XXXX to inquire as to why I could not access the funds. I was told the funds would be made available in 5-10 business days at the bank. My account was then suspended and the time had passed so I reached out again on XXXX to their customer service. I had 4 calls on XXXX ; XXXX 22 minutes, XXXX 1 hour and 43 minutes, XXXX 4 minutes, XXXX PM- 53 minutes all in an attempt to resolve the issue. No feasible resolution was offered. When the funds were deducted from my account on XXXX as " DEBIT DDA- CHECK CHARGE '' by Chase, I called again to inquire for a resolution for 6 minutes at XXXX and 7 minutes at XXXX. Through all of these communications no resolution for the release of these funds has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection 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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX  Account # XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX  XXXX Account number # XXXX, Account name XXXX  XXXX  Account number # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX  Account number XXXX, Account name XXXX XXXX  Account number XXXX, Account name 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