vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
They advertise that I would get 6 months with no interest on any charges over {$250.00} that I make with the XXXX purchase and I have called several times to get this fixed as it is going on for over 45 days and they have not resolved the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MN

Complaint narrative:
In the month of XX/XX/2022 I recieved a U.S. Bank Relia Card that I did not apply for. I believe that someone has applied for Relia fraudulently under my name. I have filled out the form for U.S. Bank to deactivate the card. I am also worried that further fraud is being committed in my name.

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 2022-12-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : 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 2022-12-01 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I SETTLED THIS AFFIRM ACCOUNT XX/XX/2022 FOR {$440.00}. I HAVE MADE NUMEROUS ATTEMPTS TO BOTH XXXX AND AFFRIM DIRECTLY FOR THE PAST FOUR MONTHS TO GET THIS OFF MY CREDIT REPORT WITH NO SUCESS. EVERY TIME I CALL I GET A DIFFERENT REP WHO SAYS THAT THEY WILL LOOK INTO THIS AND LET ME KNOW IN 30 DAY THE OUTCOME. EVERY TIME AFFIRM SAYS THE ACCOUNT IS VALID AND THAT I STILL OWE THEM MONEY. THIS IS INCORRECT I HAVE PROVIDED BOTH EMAILS AND A LETTER THAT THE COMPANY PROVIDED STATING THAT THE ACCOUNT WAS SETTLED AND THAT MY BALANCE OF {$0.00}. I NO LONGER OWE THEM ANYTHING. THIS IS VERY FRUSTRATING AS I HAVE MADE GOOD ON MY DEBT. THIS IS HINDERING MY CREDIT SCORE AS IT IS STILL REFLECTING AS A NEGATIVE ACCOUNT. IT FEELS AS AN INJUSTICE THAT NO ONE IS TAKING THE TIME TO READ WHAT THE LETTER AND EMAIL STATES. CONSUMERS BEWARE BEFORE DOING BUSINESS WITH AFFRIM THEY ARE QUICK TO REPORT YOU BUT LACK THE RESPONSIBILITY TO REPORT TO THE CREDIT BUREAU WHEN YOU ARE IN GOOD STANDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-01 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:
These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01 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 accordance with the fair credit XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 2022

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 2022-12-01 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:
On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.

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 2022-12-01 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:
On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.

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 2022-12-01 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:
I am interested in disputing all incorrect information from my credit report with Experian. Alot of information is invalid. please correct the file to be 100 % correct

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 2022-12-01 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These are inquiries I do not recall on my transunion credit report. Transunion has not provided me with any documentation providing proof that I applied for these creditors. 
They are violating my rights under the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate 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 explanation
Consumer complaint received 2022-12-01 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: I.C. System, Inc.
State: LA

Complaint narrative:
XXXX did not appropriately investigate a falsely reported collections account from XXXX XXXX I do not owe any balance to the original creditor. I asked XXXX to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the XXXX dispute process online. In addition, I have called XXXX to inquire about the investigation. I was told by the XXXX representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the XXXX representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is ridiculous I can never access my account online with Equifax, but they send tons of emails to sign up for their paid membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are multiple issues on my credit report from Equifax and XXXX XXXX. There are several accounts that have been closed & in collections for years and have exceeded the timeline for which they can still be on a credit report still on my report. Amounts on several of my accounts are wrong. Personal information such as spelling of name and addresses are wrong. 
I have written and called this company more than once. They claim they will fix the issues but never do. 
There is 100 points difference in my score when you compare Equifax to XXXX. With Equifax being 100 points less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: GA

Complaint narrative:
Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX WRONG : -- - Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX WRONG : -- - High Balance {$180.00} Original Creditor XXXX  XXXX XXXX : -- - Past Due {$280.00} Pay Status >Collection Estimated month and year this item will be removed XX/XX/XXXX -- - I have spoken to XXXX  XXXX and they state the amount owed is wrong, in fact, I don't have a balance because they were charging me for months I did not live at the address. My bill was paid when I moved. 

I have never received a bill or notice of this and XXXX  XXXX had my forwarding address. 

Bonneville changes the amounts and dates to keep this on my credit. This was a XXXX account, paid in full at the time I moved. I spoke to the Utility commission and XXXX  XXXX removes these accounts after 4 years. 

Bonneville knows this account collection is fraudulent but keeps pursuing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Grain Technology, Inc.
State: TX

Complaint narrative:
I have had several issues with this company that can only be resolved by contacting the CFPB. I have sent Grain multiple messages about not being able to use my account and never received a response. I have been on autopay with Grain for over a year. I have evidence of that. The last statement they sent, it said that I was on autopay. However, I received an email that I had a late payment. I have 50x that amount in my account, so I know it did not go through for a lack of funds. There is no way that I can sign in to pay it because the app doesn't work and there is no way to get through to customer service. I would like for the nonpayment to not be reported to my credit and for someone to contact me so that I can pay this off. 

The Grain app is a terrible app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As a federally protected consumer, XXXX was informed about this fraudulent inquiry in XXXX and I filed a dispute here in XXXX. After being informed by the Creditor, Capital One that the inquiry was not confirmed to have been made by me, XXXX is still refusing to remove this inaccurate and unauthorized credit inquiry. This is causing harm to my score to continue to report this fraudulent inquiry and is a violation of the fair and accurate credit reporting act. I am attaching the letter from Capital One confirming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello and thank you for helping, I wanted to please reach out because I noticed transactions on my checking account at are not authorized. 

Funds re being withdrawn every 2 weeks since XXXX and am please requesting to have this stopped and my funds reversed. 

I attempted to resolve the issues however the agent said to call the merchant? Ive never even dealt with the merchant and dont know what to do {$60.00}- XXXX XXXX XXXX I googled them and see people reporting this bank as stealing money and continuously withdrawal from accounts that arent theres

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have travel cancellation/interruption service through Barclay 's XXXX ( provided by XXXX XXXX XXXXXXXX XXXX XXXX XXXX I had a trip interrupted due to covid in XX/XX/2022. I submitted all the necessary documentation on XX/XX/2022. The total costs were about {$700.00}. The company repeatedly emailed me again and again asking for the same forms. I repeatedly replied I had already sent them and gave them the relevant information. They never said the information I submitted was insuffiicent- just kept sending me automated requests over and over. Then on XX/XX/2022, I received an email from them stating that I had filed a claim for {$200.00} and they had paid me the {$200.00} ( I did receive this money in my account ). They did not deny my fulll claim or say there was anything insufficient about my submissions or that there was any kind of deductible - just that my demand was {$200.00} and they had paid me {$200.00}. I've sent multiple follow up emails since then and they won't respond or provide any basis for the minimal amount they paid me.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a letter to transunion to correct an error they are reporting on my credit report- they have yet to correct it or respond and this is a serious reporting error that is damaging my credit. 

Ive included the copy of my credit report showing thy are reporting an incorrect payment status on a closed/paid in full account. 

They need to correct the payment status 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 2022-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc.
State: OR

Complaint narrative:
I revoked authorization on XX/XX/XXXX via email and chat and asked for another repayment plan. I put stop payment on the debit as well. On XX/XX/XXXX they debited my account {$670.00} causing me not be able to pay rent. I have emailed them several times and have not anywhere.

Company response to consumer: Closed with monetary relief