vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express Card was a corporate card under XXXX XXXX XXXX company in 2017 card was closed after items where disputed American Express tried to sue me personally and the suit was dismissed for failure to show signed by judge the order stands American Express is filing again abuse of process for the same thing with out doing an appeal refuse to send documents for the dispute using a debt collector Customer Service. 
XXXX overcharging of fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: GA

Complaint narrative:
I have never been late on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide bank statements or documentary evidence to prove I was late or update these accounts to paid as agreed.

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 2022-11-04 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: GA

Complaint narrative:
I have never been late on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide bank statements or documentary evidence to prove I was late or update these accounts to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Someone fraudulent filed my federal tax return with a fake job XXXX and my unemployment benefits this year. XXXX XXXX tax professional states I signed for my data to be breached and I never did sign anything. Now they are destroying my credit report and has access to all my personal information. The last time I filled taxes was 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a XXXX XXXX XXXX  XXXX  with the concerned authority. The application was returned due to incomplete information. The company would not refund the application fee or credit it towards the amended application, nor would they refund the charges I paid for courier services for the license to be mailed. I called the bank ( Capital One ). They closed the dispute saying that I received the services, and told me to go back to the vendor. I provided them with the proof of denied application, but they would not entertain the claim. The licensing authority just said we dont have a mechanism in place to process any refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase Authorized a payment to a Hotel in XXXX saying that they had approved me the credit to rent a room when they won't even cover me if I don't have the money in the account. So now in XXXX they want to charge me {$460.00} Dollars I never ask for and because they couldn't get in contact with me they charged me didn't even send me a message on my app that's really trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
XXXX XXXX Account XXXX Comenity Bank I have requested this account to be closed on XXXX XXXX, 2022. I paid the full balance due of {$35.00}. I received a reply from the company on XXXX XXXX stating they will not close my account until the full balance due is paid. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX Credit Account - Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told that this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

XXXX XXXX XXXXXXXX XXXX Account XXXX Comenity Bank I requested this account to be closed on XX/XX/2022. I paid the full balance due. I was told this account was closed on XX/XX/2022. I checked my credit report on XX/XX/2022 and the account is open and the company is reporting my FULL credit limit as being due which is false. They continue to charge me {$2.00} per month plus interest. 

This company refuses to close these accounts and continues to charge me {$2.00} per month ( their fee ) plus interest. In addition, they are reporting these XXXX accounts inaccurately to the credit report agencies showing I owe the full credit limit as opposed to a {$0.00} balance and the account was requested to be closed. 

I have filed a complaint with the XXXX XXXX XXXX  and received a " blanket '' response from Comenity Bank ( same response they have given to all their customers with similar issues ) that they are researching my concern. I have filed a complaint with XXXX disputing all three accounts which will remain open until XX/XX/2022. This company is affecting MY XXXX XXXX due to the fact that the unpaid balances are showing up as late. 

After several requests, they refuse to send me a letter in writing that my accounts have been closed. This company does not operate in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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:
My personal information was fraudulently used to open a credit account. They used an address and phone number I've never do much as seen. I've tried to explain everything to Experian but they don't care. They claim to investigate, but that's a lie. If they had they should see I had nothing to do with the 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 explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-04 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My personal information was fraudulently used to open a credit account. They used an address and phone number I've never do much as seen. I've tried to explain everything to XXXX but they don't care. They claim to investigate, but that's a lie. If they had they should see I had nothing to do with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra
State: VA

Complaint narrative:
This nightmare started at the end of XXXX this year and continued to about XXXX when I realized no matter how much money I stent to XXXX XXXX I was never going to see a return on the investment as sold to me by XXXX XXXX at XXXX XXXX. I was approached via XXXX with a XXXX investment opportunity it was explained that If I invest it will be a XXXX turnaround to turn XXXX into XXXX in 5 days. I was a bit concerned and spent some time getting to know XXXX XXXX. I looked at the website as provided and was given a user/password to log in it all seemed to light the info provided lacked all the steps they would through at me to claim the earned funds. After the long and tedious process of using XXXX XXXX  and Abera to move money from my XXXX account to a platform to buy bitcoin. Then to send it to XXXX to do what they do, all seemed ok I could see the profits increase each day on this fake sight. When the fifth day came about and I was to receive my funds they had requested additional funds to pay to release the profit, I was shocked as I was not told this at the start, what was I do so it looked like I had money to retrieve but spend more to get it released? I had doubts but the agent XXXX XXXX assured me that I would receive the funds upon the payment first it was XXXX to pay the processing fees. I did so with the long process of wire transfer and buying bitcoin then send to the wallet given. As I wanted my money, they sent me a notification email from XXXX that I need to pay an additional fee again and I asked XXXX XXXX 
XXXX why after he had just told me that it was the only additional pay needed. So, this goes on 3 times each time I was told it was the last payment and I would get the money and I did not all I got was another reason to pay more money to get my profit. It seemed to me that this was a scam and I stopped with the initial investment and the fess I paid I lost about XXXX in cash through the process of sending to the XXXX XXXX  and Abra via deposit and wire transfers. 
I was just trying to supplement my income, XXXX a XXXX man and have been XXXX  for almost XXXX  years when approached about this investment I was excited to find a solution that would help me support myself and my family. I have never traded before and this was my first trading experience. I used what I living off to invest and help support no income I had coming in. 
They are still approaching me trying to get to pay more fees to release the funds, and I have to stop and block the numbers as an approach with new numbers all trying to get to pay fees to release the funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
I received a letter that was dated XX/XX/2022 regarding a debt that was taken care of by a previous lawsuit. I received a letter that the amount was written off by the XXXX XXXX. I don't remember the day of the letter I received from them. The reference # : XXXX that is on the letter that I received and the amount stated that is due : XXXX. I mailed a letter to them today letting them know that I do not owe anything. I don't if anything will come of it, but I would like this taken care of and nothing should on my credit report regarding this. 

thanks in advance

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 2022-11-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2022-11-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX 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 2022-11-04 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:
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 than records of convictions of crimes 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2021 I requested my information to be deleted and opted out in accordance to CCPA California consumer privacy act. Additionally, I also requested a data freeze. The Work Number : XXXX XXXX XXXX. However, this company has continued to share my information to agencies who are requesting my information from them without my permission, even though I requested a freeze and to opt out and to be deleted in XX/XX/2021. I have never permitted anyone access to the work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: NV

Complaint narrative:
I filed a dispute with CFPB on Experian. The dispute number is XXXX. Experian has ignored my attached documentation that was sent with the prior dispute. Experian claims they did not get my documentation which was a copy of my passport and my utility bill. Experian continues to display a address that does not belong to me along with accounts that is attached to the address. XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXXXXXX XXXX XXXX XXXX XXXX  All these accounts are attached to the above address. I have started legal representation because Experian has broken several FCRA laws. CFPB has not helped and I will be reaching out to FTC. No consumer should have to endure this craziness! Remove these erroneous accounts 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 2022-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Although the KOHLS credit card is accurate on my report, It has been on there for XXXX  years this past XXXX and should be removed now. And XXXX has been XXXX years this month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I have a mortgage loan with LoanDepot. I signed up for paperless service and I access bills and other information from my loan depot account. 

Loan depot 1 ) Changed their account service system, which requires creating a new account AND 2 ) Changed the loan number on my loan. Now, I can't access my account to find out my new loan number nor can I create a new account because I do not have my new loan number. 

I have tried contacting the loan depot phone number, but once again, I can not get through the automated system because I do not have my loan number, which is required to be entered prior to speaking to a human being. 

I need to make sure that my payments are going and that taxes insurance etc are being paid correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I filed a complaint previously and the company closed it. The issue is not resolved and I dont accept their response, I only knew about the interest after I took out the rest of the money. I actually still have the money and tried to pay it back with in the XXXX to avoid their exorbitant fees but they block the website from taking payments within the first XXXX XXXX forcing a customer into a store where their high pressure sales agents basically keep you from changing your mind. If you check footage of the day youll see that he just rushed through all the prompts and skipped everything. He was helping multiple people at once. Their process is digital and set up so the customer has to scroll through the information. The agent took the mouse and skipped everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Fraudulent Bank of America primary Checking/savings Account opened without my consent or approval.

I found this out upon checking my parents mailbox and had a debit card in the mail along with account information as well as a welcome to Bank of America letter. I do not conduct any business with XXXX XXXX  According the XXXX  account was opened XX/XX/XXXX and the letter I have is dated XX/XX/XXXX. I just received mail in hand XX/XX/XXXX XXXX XXXX unsecured personal loan denial letter dated XX/XX/XXXX. Just received in my hands XX/XX/XXXX. Letter indicates I approved a soft credit check which I never did. I never even applied for any loans. I do not conduct any business with XXXX XXXX 


XXXX XXXX XXXX card arrived in the mail. I never applied for this or approved anything in regards to this company as well. 

XXXX- according to experion this company has been conducting soft inquiries on my account for XXXX years that have never been approved by me. Completely fraudulent. 

XXXX XXXX and XXXXXXXX XXXX random soft inquiries have been reported via experion. I have never approved of anything nor conducted business here. 

XXXX XXXX card fraudulently attempted to be open according to experion

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