vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Three violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two more violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX and XXXX XXXX 

EXPERIAN violated 609 - 15 U S C 1681 ( f ) ( 2 ) by failing to disclose any information and reasoning for the adverse actions against the consumer report and account, despite multiple requests made by consumer, resulting in injuries to the consumer.

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 2022-09-18 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: CORELOGIC INC
State: MD

Complaint narrative:
I have pulled at XXXX XXXXXXXX XXXX and its a lot of inaccurate information.

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 2022-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX  XXXX Credit Card XXXX Comenity Bank I paid off my balance on XXXX of {$830.00} Two days later they charge me a late fee and then continued to do so up to XXXX with the " transaction '' being called an interest charge on purchases. I have not used the card at all since I paid off the balance. 
I also requested the card be canceled the day I paid the balance. They gave me a number that wasn't answered until today and instead of canceling the card they froze it even after repeatedly asking to cancel the card completely. I have a balance of {$120.00} now that I did not create myself because of " late fees '' and " transaction fees '', which again I have NOT used their card since the initial balance was paid. They have made it extremely difficult to communicate with them and I strongly believe they are doing it on purpose so that more fees can pile up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received a promotional post card to open an account at Citizens Bank in XXXX, Ma. In XX/XX/2022. The promotion was for opening a checking account or a savings account and subsequently receiving {$300.00} for each account, after making 3 consecutive deposits over the next 3 months. The {$300.00} should have been credited to my account in XX/XX/2022. At the time I opened the account I inquired as to whether I needed to open a checking account and a savings account. I was told by the bank representative that I did not have to open both accounts. I was assured by another bank representative, XXXX XXXX, that I would qualify for the {$300.00} for opening a savings account alone. I met with XXXX and opened the savings account with the understanding that I would receive the promotion after making the required monthly deposits. I made the required deposits. The {$300.00} promotion was never credited to my account. I called the bank in XX/XX/2022, and was transferred to an escalation supervisor, XXXX XXXX in Pennsylvania ). XXXX told me I was required to open a checking account at the time I opened the savings account under the promotional offer. She said I would receive no money. Her response was not consistent with what I was told by bank employees at the branch where I opened the account. 

On XX/XX/2022 I contacted XXXX XXXX at the branch bank where I opened the account. He looked into the matter and told me I would not be receiving the promotion. 

I would not have opened the account if it had been made clear that I wouldnt have qualified under the promotion. I retained the post card that had been sent to me, and it is not at all clear that both accounts needed to be opened. Two people from the bank branch also interpreted the promotion the same way that I did. 

The promotion is clearly misleading. I am an XXXX and my husband is a XXXX XXXX We both considered the promotion as only requiring one account ( savings or checking ) to be opened. Branch employees agreed with out interpretation. The misleading promotion turned out to be a waste of my time in opening an account, and following through on meeting the required monthly deposits. Please investigate this matter, as I feel the bank has fraudulently led people to believe they will be receiving something they had no intention of following through on. 

Thank you in advance for looking into the matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18 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: WA

Complaint narrative:
I received a hard inquiry on my report from an unknown bank XXXX XXXX XXXX. I did not authorize this inquiry.

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 2022-09-18 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:
ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: GA

Complaint narrative:
ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.

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 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XX/XX/2022, I received a text message from Chase bank, XXXX, saying XXXX dollar XXXX transaction was attempted on my account, did I approve yes or no. So I responded no. I then received a phone call from the same XXXX which is Chase 's number saying they were the fraud department and that they see that my account was hacked through XXXX. They stated in order to reverse the hack, I needed to change the information in my XXXX, and follow some steps so they can trace the scammers. The XXXX was listed under a name called XXXX, to XXXX XXXX, and they ended up taking XXXX out of my account. I called the number back immediately, and asked if I was contacted by the fraud department, and they didnt see any fraud alerts on my account. They knew immediately that I was scammed and my account was hacked into. After numerous complaints and calls, Chase bank refused to abide by the federal law that states that if customers get scammed they are authorized to refund them. They never started an investigation on this matter, and it comes to find out that others were also victim to the same scam. This is the fault of the banks with a lack of security for our accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  ) {$470.00} I have not supplied proof under the doctrine by silence engenhalt v gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt

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 2022-09-18 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:
Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting a FRAUDULENT account on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). Remove and block the XXXX XXXX XXXX account from my credit report immediately. 

I have provided all required documents such as proof of identity of consumer, a report, ID, and a statement. 

" A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a )

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 2022-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
Donated the car to a charity. 

After the donation find out the bank has a lien on the vehicle and never released the lean so the person who purchased the vehicle can't get plates. 

Attached is evidence the lien was paid and XXXX XXXX  was supposed to release it Also attached is evidence XXXX XXXX  still has a lien with the DMV

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.

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 2022-09-18 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: DC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, {$3200.00}, 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 has violated my rights. 
15 U.S.C 1681 section 604 A 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 non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Professional placements Original Creditor Advocate health care Collection XXXX XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX {$470.00} An 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 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 2022-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
I was served garnishment papers at work on XX/XX/XXXX and the company suing me was Javitch Block representing XXXX XXXX. When I called the courthouse, this was from papers that had been originally served and money taken from my check for 6 months back in XXXX. Apparently when Javitch block ceased taking money from me, they supposedly didnt collect the full amount. I was never made aware of this and I had not been contacted in over two years regarding this. I have called 10 times in 10 days and left 4 messages with no contact back. I have sent emails with no communication back. How can they come back and just start taking more money from me when there was no communication? Why was this not resolved in XXXX when they were taking money the first time? Why will they not reach back out to 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 2022-09-18 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: DC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 604 A 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 non-monetary relief
Consumer complaint received 2022-09-18 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:
Transunion has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting a FRAUDULENT account on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). Remove and block the XXXX XXXX XXXX account from my credit report immediately. I have provided all required documents such as proof of identity of consumer, a report, ID, and a statement. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a )

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 2022-09-18 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: DC

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

15 U.S.C 1681 section 604 A 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