vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: MI

Complaint narrative:
I sent over to Transunion the letter response from the actual company and they have yet to respond. The letters I mailed were XX/XX/2022. We are now in the month of XXXX and still no response. 

15 USC 1881i ( a ) ( XXXX ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The dispute were for accounts XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX. 

XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX violated several laws, and XXXX XXXX were told to provide several things notated in the letter attached. I also notified Transunion XXXX Disputes with this information as well. I have yet to receive proper reponse. It is past their 30 days to respond and now I am bringing this dispute to CFPB. 


I the consumer demand these accounts to be deleted immediately from my credit profile. XXXX XXXX XXXX ; XXXX XXXX ; XXXX & XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Please view the attached documents that shows my proof of contact and responses from other credit reporting agencies as well as the letters I sent to Transunion.

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 2022-10-10 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: NV

Complaint narrative:
When I opened a Comenity bank NFL card I used a mailed offer from the bank to earn {$100.00} statement credit after spending {$500.00} in the first 90 days. The card was activated in XX/XX/2022, more than {$500.00} was spent before XX/XX/2022 to satisfy the offer condition, since then I have waited for more than 4 months but still haven't received the {$100.00} statement credit promised to post within 1-2 statement cycles in the mail offer. 

I contacted Comenity bank in XXXX, XXXX, XXXX of 2022, the bank has not provided a solution or time for which the credit will be posted on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A, states i have the right to privacy.

15 U.S.C 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish an 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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a used vehicle in XXXX finance with Capitol One Auto. I received a letter from them stating I owed {$1300.00} in late fees and interest, in addition to a deferment in XX/XX/XXXX. I had one deferment in XXXX and never did another. I called on XX/XX/XXXX, spoke with " XXXX '' who initially stated I had no late payments and when I informed him that I made a payment and could verify in my bank statement. I asked to speak to a supervisor and was told " XXXX '' was on another call. XXXX transferred me to a " Resolution Specialist '' who spoke with broken English and could not answer my questions regarding proof of late payments. Instead stated " XXXX '' late payments which is totally false. I asked to speak to someone who spoke English coherently, like their immediate supervisor and was today was holiday and no one else was there. Really. The rep disconnected that call when I told them I didn't appreciate being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NE

Complaint narrative:
XXXX Credit card is double reporting an account on my Experian credit report I have filed many disputes including supporting documentation and it still comes back as account valid I know the account is valid I am disputing that it is being reported incorrectly twice I have had Experian agents file complaints agreeing yes it is duplicate reported and nothing happens I have contacted XXXX credit card company and they have sent a letter to Experian over two months ago to delete the duplicate account and it is still on my 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 2022-10-10 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-10-10 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: PA

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My account has been permanent limited, i dont know what happend. 

I never been involve in any dispute or fraud activity. 

I wish to get help is anybody will able to help me fix any issue XXXX Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
They are trying to collect on a debt in a state they are not licensed in. I live I. Ga and midland credit management does not have a license to collect in ga.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MI

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 XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # 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 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 XXXX 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 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 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To the office of the CEO. 

I was charge incorrectly by a merchant on the amount of {$4100.00} on XX/XX/XXXX. I called Chase to dispute the charges and was asked to resolve the charge directly with the merchant. It took a while for the merchant credit to post to my account. In the meantime, I was charged interest amounts of XXXX, XXXX XXXX each month the charge had not been credited. I called Chase last month and was advised the charges would be credited but they have still not been credited. I called today and was hung up on after being transferred. 

I am requesting a refund of the rolling interest on the charge and to remove the amount from interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-10-10 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: AZ

Complaint narrative:
I was denied a business credit card that resolved to me getting kicked out of my house and losing my job and car. Its hard on my kids as well because they are XXXX, XXXX and XXXX XXXX XXXX and need me to support them. Im asking you to send me a check for {$250000.00} dollars to this address for complicating me for my pain and suffering you have caused us. Im trying to resolve this matter without going to court and you lose more than Im asking. Please respond within 15 days or charges will be brought to you.

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 2022-10-10 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: Synovus Bank
State: NJ

Complaint narrative:
I checked my XXXX credit report through XXXX XXXX and found an " XXXX '' account. I am not a social security recipient ( XXXX or XXXX ) and have never been one. 

I also found a XXXX XXXX XXXX that I did not open or make charges on appearing on the report. 

Finally, I found a " XXXX XXXX XXXX '' account for {$1200.00}. This is not my account and these are not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
To the office of the CEO. 

I was charge incorrectly by a merchant on the amount of {$3400.00}. I called XXXX to PNC Bank to dispute the charges and was asked to resolve the charge directly with the merchant. It took a while for the merchant credit to post to my account. In the meantime, I was charged interest amounts of XXXX and XXXX each month the charge had not been credited. 

I am requesting a refund of the rolling interest on the charge and to remove the amount from interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint narrative:
I have lived in XXXX since XXXX. I have two student loan servicers : XXXX and Navient. 
I have complaints about XXXX, but they have been resolved to my liking. It did take several years, though. 
With Navient, the complaint is similiar to the problem I had with XXXX : since I live in XXXX, and the loan servicer does not accept a foreign checking/routing number, or my debit card here, so paying my monthly payments is a real nuisance. 
For awhile I would mail a XXXX XXXX draft to Navient, but the mail time was always unpredictable and the payments would often arrive late. Plus, getting the XXXX XXXX draft took up a lot of my time every month and had a fee. 
In the last couple of years Navient has helped me with a work-around : they do not accept credit card payments ( XXXX does XXXX but only for Americans living abroad, and only at a specific phone number that is NOT toll free... ), but they ( Navient ) will accept ( very specifically ) a prepaid XXXX card. However, in order to make this payment I have to phone Navient, wade through the automated system ( ultimately knowing none of the automated system will help me because I HAVE TO speak to a representative in order to pay this way ), and then more often than not I have to convince the representative that Navient DOES INDEED accept payments in this fashion! More often than not I have to speak to a higher-up so that the payment can be processed, because there is no address addressed to the card. 
Today I phoned and got to the part where the agent asked for the address. She then put me on hold for about 5 minutes, came back and told me that the department that processes this kind of payment was closed for the day ( I'm in XXXX and it was XXXX for me, she was in the XXXX  XXXX I'm assuming the department she was referring to was EST ). That phone call took 25 minutes in total, and I have to phone back tomorrow and do it all over again. 
I don't see how they make it so incredibly hard for me to pay off my debt. If they want my money, they should make it easy. I can not be the only American citizen with student loans now XXXX XXXX. They should accept my regular credit card, or find a way to let me pay through my XXXX XXXX, or in some other online fashion. It is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: PA

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-10-10 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: CA

Complaint narrative:
I contacted Experian today, XX/XX/XXXX, to dispute this old account and they are refusing to remove it. The " until record '' date listed on my credit report for this account is XX/XX/XXXX ( see attached credit report dated XX/XX/XXXX ). 

Old Account : XXXX XXXX, Account # XXXX Auto Loan On record date until : XX/XX/XXXX Credit Report Pages 54-55

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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OR

Complaint narrative:
On XXXX XXXX dollars was transferred in to a square account. 

XX/XX/XXXX I tried to transfer the money out and make a purchase, it was denied. 

On XX/XX/XXXX I got an email saying my account was closed and I can wait 3 months latest XX/XX/XXXX for my money to be returned. 

On XX/XX/XXXX communication with 2 customer service representative that had no information but please see terms and agreement XX/XX/XXXX communication with a manager who stated I needed to complete a form and it wasn't complete so they closed it. He reviewed my account as I stated I received nothing form them not an email, nor app nor anything else. He said unfortunately it's the banks they partner with and I had to wait. 

XX/XX/XXXX I got a debit card from Square stating to activate. My account is frozen and I can't activate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported not accurate. 

15 U.S.X 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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