vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I lost my credit card, I called the credit card company to report that I lost it and close the account few days later I noticed that was a purchase was made on this card the company send me email to sign to my account to pay my bill, I called again and I report a fraud on this account they told me they going to open investigation and will take 60 days to review and make a decision, 10 days later I received a bill for the amount plus late fees plus interest, I called them again to find out why they charge me they said the investigation was closed after 48 hours from the date that I reported the furad and I have to pay other wise evry month is going to be more late fees and interest. Please I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, In XXXX of XXXX  I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you greatly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CORELOGIC INC
State: FL

Complaint narrative:
Hello, In XXXX of XXXX  I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, 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 2022-04-27 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this compliant without any influence

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 2022-04-27 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 and XXXX  Account # 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 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 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
Complaint to whom it may concern : Date XX/XX/2022 - I visited XXXX XXXX to buy a manufacturing home in XXXX XXXX My fianc and I picked a home that we wanted and put a {$1000.00} down payment to hold it until finance approval. We were approved on XX/XX/2022 by XXXX Mortgage ( see attached ) We were approved at that time at 8.5 % interest ( see attached ). And on XX/XX/2022 I get another approval notice and the interest rate was the same 8.5 % ( see Attached ). 
And then on XX/XX/2022 I get another approval notice with the same interest 8.5 % ( see attached ). And then on XX/XX/2022 I get yet another approval notice still at 8.5 % ( see attached ). And then on XX/XX/2022 I get a Denial Notice for some reasons listed ( see 2 pages attached ) And then on XX/XX/2022 I get an updated approval notice with some conditions! It states that I must pay additional {$1900.00} for total of {$2900.00} ( see attached page # 2 ) {$1000.00} for the down payment and the addition of {$1900.00} But as you can see the interest went up to 10.00 %. I called and spoke with the listed people and they said that the interest went up! It's my understanding is that you have 60 days to work on this loan! I feel like they denied me right before they went up on the interest rates, and then turned around and stated that everything is ok now BUT its now at 10.00 % rate. They will NOT give me the 8.5 % interest like from the beginning. 
I feel this is a unfair practice and I do not agree with this at all! Thank you Help ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I tried to contact this company Fair Collection & Outsource XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX a number of times by certified mail dated XX/XX/2021, XX/XX/2021, XX/XX/2021 in reference to a collection account on my XXXX, XXXX, & XXXX credit reports. Until this date I have not received any information verifying that this account belongs to me and is correct and method of verification used.

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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I received an invoice from a IC SYSTEM ( debt collector ) representing XXXX XXXX dated XX/XX/XXXX offering to settle the amount of {$370.00}. 

I immediately called the customer service # on the invoice and was told that the outstanding debt was for cable service for 3 months in XXXX XXXX in XXXX, XXXX 
I explained the last time I lived in XXXX was XXXX, and can provide proof that I have resided in the state of XXXX  continuously, specifically for the timeline the debt was being collected against. 
The customer service agent recommended that I file an ID Theft claim with them directly ( which I did on the call ) and to also contact XXXX XXXX and file the ID Theft claim with them as well. 

On XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Verification Team reached out to me via email and provided me [ Incident : XXXX ] along with instructions and a packet to complete within 30 days and a hard requirement for a police report which led me to ftc.gov since this is handled out of the state I reside in so that the XXXX XXXX division can begin investigating. I am asking you to assist in resolving this issue.

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 2022-04-27 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Credit Card and Loan Services is horrible. I pulled my credit report and seen there was a balance from Wells Fargo Bank. I immediately contacted the company and they asked what am I able to pay. Due to my daughter being diagnose with XXXX she had to have XXXX and I was out of a job. I wasn't working and had no income. Because it was affecting my score, I borrowed money to pay them. I sent a certified letter and check for {$1000.00} for each account they claimed I owed. In the letter it states, if company cashed check, they are agreeing to remove the negative impact on my credit file and bring to zero. The company cashed the check on XX/XX/2021 and did not abide by the letter. It is still on my credit report and affecting me tremendously. So when I called the creditor the representative stated they do not read letters sent the payment is just processed. Keep in mind, the letter was stapled to the check, so how did they not see it?

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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. Ive called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-27 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: I.C. System, Inc.
State: WA

Complaint narrative:
The credit bureaus stated that I C System, was properly investigated, but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C 1681 Section 604 A Section 2.

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 2022-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I submitted my lease buyout on XX/XX/2022 and confirmed this been completed successfully over the phone on XX/XX/2022. I waited the five business days as instructed for my title to be released. When I called in today on XX/XX/2022, six business days after pay off, I was told the process for the title being released had not been started yet. They stated they would start this process and now it would take XXXX business days for the title to be released. 

I have paid {$12000.00} to buy out my vehicle and Im unable to demonstrate ownership of this expensive possession due to the inability for the leasing company to provide my title in a timely manner. I am just a regular consumer who is has had to float {$12000.00} of my personal money.

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 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I noticed an account on my credit report back in XXXX of XXXX by the name of FAIR COLLECTIONS & OUTSOURCING, I immediately didn't know what the account was. After doing a little research, I see that the original creditor was TXXXX XXXXXXXX. I didn't know what that was. So I filed a police report and a Identity theft affidavit online and sent to all three consumer reporting agencies. I never heard anything back from FAIR COLLECTIONS & OUTSOURCING so I thought the account had been removed. I only get a free credit report once a year, so I don't check it often. Well when I checked my consumer report back in XXXX of XXXX, I noticed the FAIR COLLECTIONS & OUTSOURCING was still showing on my consumer report and under the notes it stated, the investigation of the dispute has been resolved. I was wondering how could that be because I was never sent anything verifying or validating this debt, nor was I informed about the investigation. So I resent my documents to the 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again on XX/XX/XXXX I received an email saying investigation complete please check your dispute results online. Low and behold the account FAIR COLLECTIONS & OUTSOURCING is still on my report and the notes are reinvestigation complete this account has been updated. I still haven't received any documentation validating this account and this is not my account. The original creditor is XXXX XXXXXXXX. I have never heard or been associated with anything called XXXX XXXXXXXX. This is a fraudulent account and FAIR COLLECTIONS & OUTSOURCING are not investigating the disputes properly and just simply saying they are validating and verifying the account without doing so. Remove this account immediately.

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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: AE

Complaint narrative:
On Monday XXXX of XXXX of XXXX I tried buying airplane tickets for my vacation costing {$1700.00}. This transaction was declined by my Apple Credit Card from Goldman Sachs. They sent me a verification option which I complied with. Proceeded with the purchase again. It then again got declined. I notified Apple. I was advised to keep trying or to use a different method. I decided to keep trying. It then resulted into my account being locked. I couldnt use my card at all. I then called them again to solve this issue. The couldnt solve my issue. To this day I am waiting to be able to pay my bills. I feel penalized for basically nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was contacted by Wayfair Mastercard on XX/XX/22 that there XXXXy have been fraudulent activity on my card. I confirmed I made NO purchases and have never used the card. I was told by their fraud department I would not be held responsible for the fraudulent charges and they would be removed from my account in XXXX days. I received an account statement yesterday XX/XX/22 showing a {$2000.00} balance. When I called I was transferred at least 3 times and was told I just needed to be patient and wait for them to complete the investigation. It has been 16 days already. I confirmed I did not make the purchase. I want the charges removed immediately.

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 2022-04-27 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 2022-04-27 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: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 2022-04-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-04-27 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right privacy. 15.U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15.U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crime which antedates the report by more than seven years. 15.U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation