vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank XXXX XXXX XXXX XXXX XXXX evidentially went on the internet and searched for anyone who might know me. They contacted people with whom I am acquainted and relatives in four different states trying to collect a debt. The debt is being handled by XXXX XXXX XXXX and they had no right to contact people that are not listed on my account to threaten them with collections. Those people have no knowledge of my debt and I strongly resent Comenity Bank contacting my fiends and relatives when they are not listed on my account. They have been told numerous times by me that XXXX XXXX XXXX is handling the debt. I need Comenity Bank to stop contacting unauthorized people concerning my debt. XXXX with customer service was extremely rude to everyone that she contacted, even calling my son at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX . I have attached highlighted removed accounts.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX . I have attached highlighted removed accounts.

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 2023-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Attempted to get a loan modification several times and was denied.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Original complaint XX/XX/2023 Case # XXXX Equifax responded XX/XX/2023 - Stated XXXX XXXX was deleted. However, still there according to MyFICO report dated XX/XX/2023. 
- Stated XXXX XXXX XXXXXXXX XXXX XXXX was updated. HOWEVER, THIS WAS PAID AND SHOULD SHOW ACCORDINGLY. PLEASE UPDATE OR DELETE. 
- Stated XXXX XXXX was deleted. DONE. THANK YOU. 
Stated XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I called the bank 3 times : XXXX. XX/XX/XXXX : I requested closing the XXXX account ending XXXX. No funds have been received as of XX/XX/XXXX. 
XXXX. XX/XX/XXXX : a. I called the bank to ask why the balance of the immature XXXX account with maturity date XX/XX/XXXX suddenly disappeared. The balance was visible through XX/XX/XXXX. When I looked a second time that day, the balance dropped to {$0.00} b. The bank claimed that I had requested closing the account on XX/XX/XXXX. 
c. That is not true. I only requested closing the account account XXXX XXXX. XX/XX/XXXX. I called the bank again to ask why account XXXX had been closed. I spoke to XXXX who told me that I had requested the closure on XX/XX/XXXX. 
XXXX. XX/XX/XXXX : I received a check from XXXX XXXX for account XXXX with a penalty of {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am victim of identity theft, my information was compromised I turned in many police reports to the branches. I recently had an appointment and a branch employer informed me that my account has been reopened and that my new chase card will come in within XXXX days. After the appointment, the very next day I received a letter and it states that my account has been restricted again and may be closed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2023 i requested a debt validation letter also with accurate dates. This company has failed to reach out and also failed to give me validated paperwork concerning a debt. I demand for this to be removed from my credit report, under the 15USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was interested in getting denture implants. I found a provider and applied for carecredit through synchrony bank. I decided to wait and did not get the XXXX XXXX XXXX But care credit is charging me as if I did. 
They are billing me nearly {$4000.00}. Many phone calls, emails later they will not correct this mistake. 
My credit has gone from excellent to poor. Credit card companies have cancelled my card and my own bank has decreased my available credit. 
I have been trying to correct this for over 8 months. Without acknowledging me I still recieve many phone calls emails and postage.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove these accounts and inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Netspend Corporation
State: PA

Complaint narrative:
on XXXX I received an unsolicited XXXX debit card from NETSPEND. It is serviced through 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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As per privacy laws for me the comsumer I asked to opt out of sharing my information to a XXXX party which includes XXXX, XXXX, and XXXX. I sent my request to company on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and XXXX XXXX XXXX is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of XXXX. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I submitted a dispute request to Transunion on XX/XX/XXXX so they could investigate an account listed on my credit report by the name of XXXX XXXX. With the account number attached to it as being XXXX. Transunion did not do as requested and now they are claiming that their agency. Has verified this account as being accurate but their investigation results was wrong. There is still inaccurate information being reported listed under this account. The date of last payment being reported was on XX/XX/XXXX but in fact the payment history on that very same date displays a 60 day late rating. And the day that this account was closed is also listed incorrectly as well. So how can this data be 100 % accurate and verifiable but the information is listed incorrectly? Transunion has been given several chances to correct these inaccuracies and now they are violating my consumer rights under the Fair Credit Reporting Act.

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 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I redeemed a 10 % cash back offer from Chase for purchases at XXXX XXXX XXXX onXXXX. I then made two purchases totaling {$19.00} on XX/XX/2023 and XX/XX/2023, and did not receive the credit on my credit card statement. I called Chase multiple times and they refused to honor this offer. One time I called they said they did see it on their computer but that I needed to wait a few more weeks. Another representative I spoke with said she did not see it on her system at all so they are refusing to honor it. I have screenshot proof that I did redeem it. I am concerned they are taking advantage of customers by offering discounts and not honoring them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The company is Wells Fargo Bank. When I applied for a loan through the bank Wells Fargo sent me a denial that I received that my income, my money came to me from a public service or source and I might not have the capacity to lock into a loan contract. This is discrimination. I receive social security XXXX that is not a gratitude but, an insurance policy that was paid for and earned by me, and my work credits were earned by me. I want this challenge! In New Jersey, there is a case law that my Social Security XXXX insurance is not public assistance. It's not XXXX and I'm not mentally ill and I am requesting a public apology or I plan on bringing suit. This is the reason i was denied a loan and they should be ashamed to say such a thing and use that against me when it is not true. XXXX, Thank you for your help

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion Original complaint XX/XX/2023 Case # XXXX TransUnion responded XX/XX/2023 but was not thorough. However, the following is still incorrect according to MyFICO report dated XX/XX/2023. 
- XXXX  XXXX XXXX XXXX XXXX was paid and should show accordingly. Also, this account is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU. 
- XXXX XXXX  is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- Adding XXXX XXXX to this complaint. Account XXXX. This account is reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2023-12-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a {$100.00} American Express gift card as a gift. I tried to use this card in person at multiple retailers on XX/XX/XXXX and was not able to because it doesn't have a chip. I tried to use it at multiple online retailers on XX/XX/XXXX and XX/XX/XXXX and because it is an " anonymous '' card that you can not tie an address to, no online retailer would accept it. I finally found a tip online from people that have been having this same problem ( for years ) that small dollar amount reloads to XXXX will go through. I was able to move {$50.00} to my XXXX account before the card was shut off with XXXX for suspicion of fraudulent activity. I called American Express XXXX XXXX on XX/XX/XXXX and was told that they can not add an address, they can not remove the block, and that I should just keep trying to use it. I asked for a replacement card and they wouldn't send a replacement card with the remaining balance for the stated reason that I would have the same problem - except it would have resolved MY problem with {$50.00} remaining on the card since I figured out XXXX would allow me to transfer up to {$50.00} off of it before it got flagged. I asked to speak to supervisors 3 times and was denied. I was finally put " on hold '' for a supervisor who never answered. This is a scam and I have absolutely no way to use the remaining balance on this card, they stole money from people and it can not be used.

Company response to consumer: Closed with monetary relief