vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: FL

Complaint narrative:
Multiple complaints with Comenity bank XXXX 's card, late fees, online bill pay not working, notes on their page saying they apologize for the update to their system still not working ( its been months ) or sorry a technical glitch occurred payment could not be proccessed. 
XXXX made never showing or being deducted from bank account. 
XXXX XXXX same thing XXXX Same thing XXXX XXXX same thing. 
I actually even commented on your page pertaining to comenity back back on XX/XX/XXXX that it was a miracle i was actually able to make an online payment with XXXX, only to find out in XXXX when they started blowing my phone up that i was a payment late, XXXX late fee etc. I argued with the lady and she admitted thayy have had serious issues, understood my frustrations. 
My credit is suffering, my balances not going down because you either cant make a payment, think you did make a payment and they show nothing. Ive already had XXXX complaint in with cfpb, you handled it, however it started all over again. They are absolutely horrible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28 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: SC

Complaint narrative:
On XXXX I disputed inaccuracies, I came across my credit report from Experian, and XXXX XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( Experian ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: RI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I sent a {$15000.00} wire through chase online transfer on XXXX first using the same information as a previously completed wire. The wire was never received by the recipient. When i asked chase for a XXXX form to show that the wire was sent I was given the run around for days and never received an answer. it has been 27 days since the wire was sent and i still have not received any updates at all. Please help me resolve this issue I am in desperate need of this money to be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: VA

Complaint narrative:
I did not authorize the following companies to run my credit. 
XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX 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 2022-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
American Coradius International LLC is attempting to collect an alleged debt that I do not owe. I, the consumer and natural person, has sent, in writing, a cease to desist demand of all and any communications including reporting information or sharing data without my permission to non affiliated consumer reporting agencies about this alleged debt to try to coerce me to pay. See attached documentation showing certified mail has been sent with the cease to desist demand to American Coradius International LLC and the letter for your view electronically. American Coradius International LLC does not have any rights under the FTC agile law. The law prohibits anybody other than FTC and their employees to share data and thats limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: MO

Complaint narrative:
My ex husband fill out for a credit card under my name. They are saying that I filled the information out. Capital one states I filled out for it but I didn't not. I only have one capital one account it is the one in the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: KY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for or purposes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act child support Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX 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 2022-08-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management did not properly notify me of the alleged debt. When I noticed the alleged debt was on my consumer reports, I requested Verification of alleged debt. What I was provided was a billing statement and a letter from XXXX XXXX that stated Midland Credit Management owns the debt. The letter was sent to a previous address which I no longer reside at. I was not giving the opportunity to challenge the letter within the allotted 30 days. I also requested to cease and desist in the affidavit. I sent this information to Midland Credit Management. 

This is in violation of the following : 15 U.S.C 1692g ( a ) ( 3 ) - Validation of debts a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C. 1692b and c- Communications Connected with Debt Collection Cease and desist was communicated to Midland Credit Management which means When a consumer refuses, in writing, to pay a debt or requests that the debt collector cease further communication, the collector must cease all further communication, except to advise the consumer that : The collection effort is being stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: KS

Complaint narrative:
On the behalf of XXXX XXXX XXXX sentry credit incorporated has attempted to collect a debt from me that is not owed on my behalf. They have impacted my credit in a result of doing so. The amount is {$3100.00} on XX/XX/2022. I filed a complaint and it was overruled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have bought 6 chairs from XXXX XXXXXXXX XXXX on XX/XX/2022 and I paid with my PNC bank debit card from my checking account. When I got home and looked at the chairs one of the chairs was defective from manufacturer and damaged and had a broken leg and severe scratches on one side. It is dangerous for a person to sit on it so its useless and NOT fit to be used. I called the company and they refused to refund me my money and they refused to replace it. The company XXXX XXXX XXXX scammed me and committed fraud by selling me a chair that is defective and dangerous for my family to sit on it and they did not tell me that this chair has a major defect in it so I disputed the charge for that defective chair which is around XXXX dollars but PNC bank denied my claim and dispute. And they charged my checking account back for the disputed charge and that is very wrong from PNC bank. I was scammed by a furniture company and they charged me for a defective chair and damaged and scratched. The defect in the chair is from the manufacturer and is very severe and the company NEVER disclosed that defect to me and should NEVER have sold the chair to anybody because it is dangerous to sit on. 
PNC bank needs to honor my dispute for XXXX dollars and give me that money back into my checking account. This is a legit dispute of a charge from a scammer and a fraud company. They scammed me by selling me a defective and dangerous chair without disclosing that defect PNC bank reference number for this dispute is XXXX Account ending inXXXX PNC bank has the worst customer service quality and they never help us customers and PNC bank should protect us customers from fraud and scammers like this company XXXXXXXX XXXX  that sold us a defective and dangerous chair The disputed charge should be honored by PNC bank and they should refund me that money for XXXX dollars

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28 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: VA

Complaint narrative:
I did not authorize the following companies to run my credit. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: VA

Complaint narrative:
I did not authorize the following companies to run my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have inquired with Equifax and XXXX to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The day of XX/XX/2021 ( LVNV funding LLC ) added a derogatory remark on my credit report per XXXX XXXX. This account is a fraudulent account and this account was never mind. Upon, further research this account was transferred/sold and I am NOT responsible for this fraudulent account. Debtors credit did not verify this collection. Also, there was NO written form of communication, contact or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA ( LVNV Funding LLC ) has violated my rights as a consumer and Im requesting legal action to remove this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX my cousin in XXXX transferred {$5000.00} from her account onto mine in the US at XXXX XXXX. On XX/XX/XXXX she received notice that the transaction was rejected with no further explanation. Those {$5000.00} turned out {$4800.00}, the voucher showed that Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, was the correspondent in this transaction. On XX/XX/XXXX I emailed the bank 's customer service requesting an explanation of those {$130.00} charge for this failed operation. The next day they replied to me saying to call customer service to discuss the issue, which I asked them to first give me a written explanation of those charges and to provide me the name of the person to discuss this matter. Since then, I haven't received any communication back from them. 
During the time the transaction was in process, I got no correspondence or phone call from the bank to let me know that there was an issue with the operation. I am a regular citizen who is not familiar with international transactions, I would have done everything in my power to make this operation successful, had I've known the problem in advance. This charge is completely unfair, outrageous and a deceptive business practice from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; XXXX, XXXX and Transunion all are resellers of my consumer report without my written permission XXXX, XXXX and transunion have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A XXXX was instructed to remove the installment accounts and only removed 3 None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: PA

Complaint narrative:
Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; XXXX, Equifax and XXXX all are resellers of my consumer report without my written permission XXXX, Equifax and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A Equifax was instructed to remove the installment accounts and only removed 3 None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms

Company response to consumer: Closed with explanation