vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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:
In XXXX of 2021, My XXXX XXXX bank accounts were hacked. Everything that my bank was connected to, was hacked. I was locked out from even accessing money ; to pull out cash, for over 2weeks. I could not login to website, nor XXXX XXXX app for a month. I could not pay my credit card. I could not pay for anything. I spent 3-4 hours at the bank trying to just get access to my account. Then would be directed to go home and try again to call. Only to be told to go back to the branch/bank. 
This happened multiple times. I had to eventually create a NEW bank account, because I had no way toget paid from work due to my direct deposit. I continued to have fraudulent activity, because the person hacking my account and identity had changed all my personal information, and attacked everything that was connected to my bank account. I missed a payment, because I could not access my account. I requested XXXX XXXX  remove the late payment, but was told they wouldnt because it wasnt their fault. Yet the BANK locked me out from paying my credit card. I HAD to close my account because fraud was happening not just in chase bank. But throughout everything that was connected to my bank. Please look at my credit history. It is flawless. Paid on time. Every time. Early. NEVER late. And always extra money. 

I submitted multiple disputes with Experian, with no resolve. And XXXX refuses to take it off. I was inhibited from paying my credit card. 

Thank you for your time Respectfully, 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 explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2022 - Shopped at Ann Taylor, made purchase, opened credit card account to receive a discount. 
Input address information on a store kiosk which did not allow full address input. 
Never received the credit card, or statement. 
Called the finance company, they would not allow me to make the payment online, because I did not have the account number, but I provided my name, social security. 
The company insisted I make a {$3.00} fee payment and provide another credit card, I did not comply, and stated it was unfounded to charge me a fee for any information I requested. 
While on the phone I demanded to close the account, send the statement to the correct address. 
Received the statement on XX/XX/XXXX, made the digital check payment on XX/XX/XXXX, from XXXX XXXX  in the amount of {$150.00}, memo paid in full. Sent to the address on the statement for payments in full to : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the check was returned. 
I attempted to call the number on the statement, they will not take phone calls, states phones are to busy and hangs up on me. XXXX called XXXX. 
Name of the bank is Comenity, address in XXXX, OH. I am trying to call and take care of this, however the system does not allow it. Their refusal to give me the address to send the check initially caused me to be late, and then they are not accepting the payment. I never received an account number to refer to on the check, this is problematic, since they need to apply to the correct account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 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:
In accordance with the Fair Credit Reporting Act, Experian Information Solutions Inc. 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 an account without written instructions. 


The following information is incorrect : EXPERIAN INFORMATION SOLUTION INC. 
XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX. 

*****PLEASE NOTE**** BOTH, XXXX AND XXXX XXXX XXXX HAVE REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.

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 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX BANKRUPTCY violation of consumer reporting I want item removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX XXXX  violation of consumer reporting I want item removed from my credit profile

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I have reach out to presige financial about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
I have not gotten any loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reach out to XXXX XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reach out to XXXX  XXXX  about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.

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 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2022 - I found an airfare on the Chase.com rewards site and called their travel rewards number so a rep could assist in booking. I picked a fare that included the ability to cancel within 24 hours and rebook, which was called Business Flex as opposed to Business Classic, on XXXX as the secondary carrieXXXX. However, despite the fact that XXXX could get me to XXXX without a problem, they wouldn't allow me to board from XXXX to my final destination, with my cat. So, I called Chase, the next morning and worked for at least 3 hours, with a rep named XXXX, at their Help Desk, to no avail. I had to cancel, so I could find another itinerary. The new rep told me that they were going to refund my points, but not the money for 2 " billing cycles '', i.e. 2 months. This is theft. They are leaving more than {$4000.00} on my credit card as if I had kept the ticket. I had to ask Chase to increase my credit limit so I could rebook, but they have stolen over {$4000.00}. I picked a fare that was {$6800.00}, applied XXXX points that I had been saving for years, and used my Chase Saffire card ( which I also pay an annual fee for ) to pay the difference. 

Any other transaction would have required a refund. What Chase is doing is theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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 explanation
Consumer complaint received 2022-07-15 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: NJ

Complaint narrative:
I sent letters off on XXXX XXXX, certified. 
here are my certified letter numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third party people. 

This is a clear violation of my federally protected consumer rights.

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 2022-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : These inquires was not authorized, Please remove this inaccurate information from my credit report XXXX ). XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following information is outdated. 
XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. The following information is outdated. Remove from my credit report XXXX XXXX XXXX Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C 1681 section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A States Consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

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 2 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
We paid down a lot of our debt and two of the reporting agencies actually decreased my credit score for paying off debt. 
This has affected my abilities to get better rates and loans. 
Why does paying off debt negatively affect my score. 
These companies want to keep us in debt and not pay off our debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: MI

Complaint narrative:
On XX/XX/2022, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XXXX. That information is incorrect. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. 

The law clearly states a consumer reporting agency can not furnish an account without my written instructions.m I havent given these accounts written permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX created an account online for a new checking account with Fifth Third Bank in XXXX Fl. I was told the day before I went to the branch to bring two picture IDs nothing was mentioned to about a social security card. I went to the location XXXX XXXX XXXX XXXX Fl XXXX. Phone number is XXXX. The worker that was assisting me was being rude about me mentioning the 3 ID check. I was simply telling her they said two picture ID. She said she had to call the fraud department so they could take the hold off my account and it was taking a while so I told her Id go sit in the lobby. After a while of hearing the manager call a customer about verifying their account with fraud department I decided to walk up to her to ask questions. She was so rude to me I had to ask her nicely to be quiet for a second. Because she wouldnt even let me finish what I was trying to say about the IDs and the waiting time. She brushed me off and told me to have a good day. As Im walking back to sit down I tell her that they dont deserve to be working here with the attitude they both had. She then threatens to kick me out with the police. I told her to call them and she came over to me standing up talking and I covered my ears and said Im not listening to you she asked me to get out and this was done in front of another customer. I told her I was sitting waiting for my account to be verified and Id leave she said no were not opening your account today. So so said ok no problem. I cursed her out on my way out the door she continued arguing with me a potential banker and a new customer at that. I was very angry because I had paid for a XXXX ride here and this location is not close to my home. I feel very discriminated against and am also seeking legal action. I will tell everyone I know not to bank here and she needs to be retrained on how to treat and speak to customers. I never raised my voice until she asked me to leave. Please do something about this behavior its not necessary to treat someone like that and I dont want to bank with them ever in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Account number XXXX CREDIT ACCEPTANCE CORP per statue 15usc these items are reporting in error. 






Account number 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 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
I have been denied a XXXX XXXX XXXX loan to finish my XXXX  as a result of having accounts in collection. When I investigated this I discovered that XXXX XXXX XXXX turned over every single visit as a different account / bill. H & R Accounts reported that I have 32 accounts now in collections, most of which are under {$100.00}. They refuse to consolidate them into a single account to setup a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The enquiries on my report are not authorized by, dont have any knowledge of it and I did not give approval.

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