vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: OH

Complaint narrative:
Comenity bank has been down for weeks. They claim customers can make payments on XXXX XXXX and their phone lines. XXXX XXXX isnt working or when it does its double charging people, many of the complaints seen online and social media shows that. I get hung up on when I call their customer service number. I cant make any payments with them since the systems are down, but I have been hit with late fees during this intermittent constant downtime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I received a call from Barclays Bank and I have a credit card through them through XXXX. They had my name and wanted to help get my payment posted because it was over due. To pay the bill they needed to verify my identity with the last 4 digits of my social. I entered that in and then the automated system gave my statement balance and wanted to set up payment. At this point I became suspicious and hung up but they had my voice on the call and they had my last 4 of ssn.

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 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I saw some inquiries on my credit report I have a fraud alert but did not receive any information that someone pulled my credit I have not done business with these companies and I did not give anyone authorization to pull my credit

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In 2019 I filed Bankruptcy, it was dismissed and a few months after that, I noticed it was placed on my consumer reports. XXXX, Equifax and XXXX. I called each Consumer reporting agency and made them aware that I did not authorize them to furnish any information about me on my consumer report. XXXX removed the Bankruptcy while the other two did not. They told me it was verified. I asked verified through whom? They began to tell me that the court verified the Bankruptcy. I wrote a letter to the court asking them do they verify Bankruptcies and if so, whats is the process. The court wrote me back and said they do not verify Bankruptcies at all. Now, under 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy and 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. I did not at any time give the reporting agency my permission to furnish any information about me on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to 2019, 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 3 months and my account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I recently applied for the Avant credit card from a mail in offer. My card has been declined for absolutely NO reason at all. I also have trouble accessing my account online and through the app. I have called and called and called and no answer until this morning. The Avant representative told me that many customers are experiencing the same issues as I am and they do not know when the issue will be fixed! I have only had this card for 2 weeks and I am ready to burn it!! Todays date is XX/XX/2022. I finally reached a representative for this credit card this morning and told them I am very unsatisfied with the card because I can not use it anyway! Please help. 
Many customers are experiencing similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I attended XXXX  from XXXX .My parked car was totalled.ISuffered numerous amounts of XXXX. I was rushed to the emergency room on countless occasions. First, I filed for bankruptcy my XXXX year. It was due to a XXXX XXXX  whom was seeking the debt ; and, I can provide court documents that the debt is not legally mine. 
Sincerely 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 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I took advantage of a XX/XX/XXXX promotion with SoFi where I would get a {$600.00} bonus if I signed and funded a personal loan. The terms of the promotion can be found at https : XXXX ( XXXX XXXX XXXX : XXXX ). I applied on XX/XX/XXXX ( the cutoff for applying was XX/XX/XXXX ). After waiting for some time, I got a response on XX/XX/XXXX asking me to submit a copy of my SSN card which I supplied the same day. On XX/XX/XXXX I got a response asking me to unfreeze my XXXX credit report which I completed the same day. Then on XX/XX/XXXX I was approved and provided some forms to sign off on which I did the same day and then the funding process began. Now the problem is I didn't meet the cutoff date to sign and fund the loan by XX/XX/XXXX because I wasn't provided the forms to sign off to in the first place by that date in order to feasibly meet the terms of the promotion. I called and asked if I would be receiving the {$600.00} bonus and I was told " no '' because I didn't sign off on the loan by the deadline. This is absolutely ridiculous and predatory because I took a hard inquiry and signed off on a loan I didn't actually need, but applied for anyways to get a bonus that I was supposed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: IL

Complaint narrative:
Would like assistance in removing the account and inquiries from my reports. Did all the right things to get it removed but nothing happened.

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 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The Bank I Bank with charge me overdraft fees for transactions that was made due to at the moment funds not available due to my bank holding the funds not releasing it upon availability. Even their own online banking system shows there's no overdraft funds made and they charged the overdraft fees.

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
XXXX XXXX ( XXXX ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
XXXX XXXX stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and 1 payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX failed to report payment delinquency information on credit reporting payment history. 
XXXX XXXX is furnishing re-aged payment history reference " payment history legend. '' XXXX XXXX " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per Experian online credit file, XXXX XXXX is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, XXXX XXXX is redirecting me to address inaccurate information on my credit file to Experian, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, XXXX XXXX has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my Experian credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit file.

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 2022-07-11 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: IL

Complaint narrative:
These companies are all about making a buck. They don't care about information on your reports that don't belong to you. I've been disputing these XXXX inquiries for months, nothing. Help me get this off!!

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, it saddens me that yet again, I'm having to write you regarding this particular credit bureau. This is my 3 or 4th attempts/disputes with them regarding this erroneous info on my credit files. They want to continue to come back with it being verified and leaving it on my credit report intentionally. I have asked over and over and over again for the following : Re : Please provide the furnisher of the information for this account and all other requested information listed in this dispute To Equifax Information Services : I recently sent you a letter around XX/XX/XXXX & XX/XX/XXXX. I asked that you provide a detailed report showing/proving the validation method for this debt you have placed on my credit file. I am concerned about the validity and accuracy of your recent investigation of this account. Im requesting full, honest, and complete investigation because I felt the item was not being reported legally or accurately.

Please tell me how was this information verified? Prove that this listed debt belongs to me and not someone else. Im requesting for sufficient legal proof under the FCRA. Please answer each of the following questions in this letter. I asked for this in my previous letter, but you appear to have ignored my request which is against FCRAs laws. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Its designed to shield all consumers from the willful and/or negligent inclusion of erroneous data in our credit reports. The FCRA regulates the collection, dissemination, and use of all consumer information, including consumer credit information. And, if the consumer asks, consumer credit reporting agencies must explain the method of verification in full and with completeness and how you investigated my consumer 's dispute. A collections agency or debt buyer buying a debt and slapping/attaching it to anyone 's credit file to does align with the FCRA 's laws.

Creditor : Information in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amt. {$93.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: DC

Complaint narrative:
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX. This has been reported by a third party company and not by the United States Bankruptcy Court in XXXX. An attached document has been provided by the United States Courts Bankruptcy Court in XXXXXXXX XXXX for me for my complaint. 

15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 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 2022-07-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am reaching out to you for a resolution to an issue with XXXX XXXX XXXX XXXX reporting my account information to Transunion and XXXX credit reporting agencies. XXXX XXXX XXXX XXXX has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a XXXX XXXX employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.

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 2022-07-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am reaching out to you for a resolution to an issue with XXXX XXXX XXXX XXXX reporting my account information to XXXX and Equifax credit reporting agencies. XXXX XXXX XXXX XXXX has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a XXXX XXXX employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I was issued a refund in early XXXX that cleared the merchants bank account. The refund was visible in my account for a few days as 'pending ' but then disappeared and the refund was never credited to my account. I have reached out to the support team numerous times and not received any real response or help in getting this issue resolved. I have screenshots of the 'pending ' transaction in my account, and a copy of the receipt from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation