vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: MN

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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:
in a correspondence to the consumer reporting agency in XXXX of XXXX, i requested proof of my consent regarding the following items on my credit report. 
XXXX XXXX XXXX account number XXXX XXXX XXXX Account Number XXXX. 
As if today I have not received ant proof of my consent to this company to share these accounts. Nor was I given the option to opt out, I would like to inform the CFPB that my rights have once again been violated by this consumer reporting agency. 
According to15 U.S.C 6802XXXX Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity before the tome that such information is initially disclosed, to direct that such information to be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.

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 2022-08-12 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Friday, XXXX XXXX I have received a letter stating that my complaint has been closed due to CFPB feeling as though the complaint was not sent by me personally. I Authorize, notarize, and authenticate all disputes/complaints made on behalf of my credit report. I will not tolerate anymore hassle behind disputing this collection account. I demand my complaint is re-open and this collection account terminated from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EAST WEST BANK
State: AZ

Complaint narrative:
XX/XX/XXXX Fraudulent wire transfers were made out of my checking account {$29000.00} {$19000.00} When these transfers were pending I immediately called XXXX XXXX told them they were NOT authorized or done by me. Went into XXXX branch and cancelled comprised account/debit card and opened new account. 
Contacted the local police and filed a report victum report against the XXXX persons who conducted the wire transfers. 
Went bank into XXXX bank with identity theft report, police report, wire transfer detailed transactions with persons names etc. Faxed those to XXXX XXXX department. XX/XX/XXXX & XX/XX/XXXX I hadn't received any contact from XXXX XXXX regarding status of getting my money returned. So I called XXXX XXXX Customer service. XX/XX/XXXX they told me they were trying to get the stolen money back from EAST WEST BANK who processed the wire transfers. 
XX/XX/XXXX Went to XXXX XXXX once more with request form from identity theft dispute letter for my dispute funds to be returned, XXXX XXXX complaint form, and fax confirmation XXXX docs were faxed by XXXX branch XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NY

Complaint narrative:
I receive my ssdi XXXX benefits on a government card issued by Direct xpress on behalf of social security. On XX/XX/XXXX i noticed my account was low and called direct xpress. The sum of approximately XXXX dollars and some cents was charged on XX/XX/2022 in texas. I did not authorize this charge and was never in texas. I immediately filed a fraud complaint number XXXX with direct xpress/comericabank. It took me a wait time of 2 hours on hold to get in contact with them. They were supposed to send me a fraud complaint form and xpress a new card. I have called direct xpress countless times and been on hold for hours to try to resolve this issue. 
As of the writing of this report i havent received anything. No card and no form I also asked for a provisional credit. No new card. No credit. I am broke with no food or money for meds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
I NEVER GOT ANY VALIDATION VIA MAIL OR ELECTRONICALLY

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I NEVER GOT VALIDATION OF THIS NOTHING VIA MAIL OR ELECTRONICALLY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
It was from mountain America credit union XXXX loan for XXXX which is a credit card XXXX is for XXXX $ or so, then a bank account was opened under my name. They wont do anything even with a police report, they are vary rude and dont care. They wont delete it from my credit report, they dont remove it from my name and its fraud. Its ruining my credit its ID theft I was park of XXXX breach even

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: GA

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX I received a call from IQ Data that I had a debt outstanding. They claimed that they had sent out XXXX letters on XX/XX/XXXX + XX/XX/XXXX + XXXX. I have not received these letter. 

They claimed they did not have to go to court to collect the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Klarna AB
State: GA

Complaint narrative:
I have repeatedly asked that this account be closed and to have my banking information removed from the platform. Instead the continue to have the account and send me unrequested solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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:
The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TN

Complaint narrative:
Transunion stated on XX/XX/2022 in their response to a dispute ending in XXXX that they would delete XXXX tradeline from a credit report. I will paste their response below. I want Transunion to follow through on what they said. 
-- -- -- -- - Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX-UPDATED ( XXXX ) XXXX XXXX-DELETED ( 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 2022-08-12 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: TN

Complaint narrative:
Transunion stated on XX/XX/2022 in their response to a dispute ending in XXXX that they would delete XXXX tradeline from a credit report. I will paste their response below. I want Transunion to follow through on what they said. 
-- -- -- -- - Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX, XXXX-UPDATED ( XXXX ) XXXX XXXX-DELETED ( 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 2022-08-12 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:
In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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 a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NC

Complaint narrative:
I NEVER GOT VALIDATION OF THIS NOT BY MAIL OR ELECTRONICALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
Comenity Mastercard- I am unable to sign in to my account or make a payment on through their XXXX website. When I call, they can not find my account and therefore I can not make a payment. They have sent me two statements during this time, so my account is somewhere in their system. My amount due has doubled even though I am unable to pay since they are unable to find the account to attach the monies. 

I had fraud on the account and I am unable to see if those charges were reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
AMSHERCOLLECTION Services has violated my consumer rights. I was not informed of this alleged debt nor has it been validated. I am demanding this account be removed from my consumer report and proper documentation of the alleged debt ( per 15 U.S. Code 1692g ) be sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX I disagree with the response provided by American Express in their letter dated XXXX. I should be reimbursed approximately {$1000.00}. In the American Express letter, the Cardholder Agreement is referenced that states that charges made with the card can not be disputed and that transactions are similar to cash transactions. 

The card is in my possession and has not been used in any financial transaction excluding a small transaction made at a vending machine on XXXX. Therefore, the prior transactions were not made with the card since it has been solely in my possession since XX/XX/2021. If I store money in my refrigerator and no one has access to it, no one can use it to make purchases. The same would apply to the gift card. Something went wrong and Im asking you to investigate this situation and refund to me what is just. 

Some type of corruption or a mistake is most likely the reason for this problem, e.g., a security breach, internal corruption within American Express staff, a duplicate file of cards could have been produced with the same card number and PIN, etc. Please investigate and return the money that should belong to me. Some of these examples could have gone beyond your internal controls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Fraudulent ATM withdrawal from account as per following details : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX $ totalling to XXXX $ Filed a complaint for fraudulent ATM withdrawal of the above mentioned amounts with Bank of America on XX/XX/XXXX with the complaint ID being XXXX. 

Even though we have filed a complaint on XX/XX/XXXX and the card had been XXXX, still there is an additional fraudulent withdrawal on XX/XX/XXXX of XXXX XXXX 

Thereafter we get an email from the bank on XX/XX/XXXX that they have reviewed our complaint and dismissed it. 

As we have not conducted these transactions, which are completely fraudulent, we contested the banks closure of case. 

While the bank is reviewing the said complaint again, we seek your help/assistance in seeking justice.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I never gave my consent to anyone to run my credit

Company response to consumer: Closed with explanation