vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a credit card with XXXX XXXX XXXX through Comenity Capital bank. I have had this card since XXXX of 2022. The last time they updated the account with the 3 credit bureaus was in XXXX of 2022. The account has been showing an incorrect balance with all credit bureaus since then. I have reached out to the company to see why they are not accurately reporting and they stated that " due to a system update they have chosen not to report account updates at this time ''. Their failure to report updates misrepresents my credit worthiness and credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
Greetings, I have applied for multiple jobs in the past 4 months. In XXXX of XXXX I was granted XXXX  XXXX  in the State of Texas for a previous charge out of XXXX XXXX, Texas where a judge in XXXX had XXXX  me to XXXX XXXXn. I received a report from First Advantage, and I have also received a consumer report from XXXX XXXX indicating the XXXX  with a disposition of a sentence imposed including the deferred adjudication however the consumer reports are no loner correct. Under the Judicial Clemency statue in the State of Texas, a person is no longer held responsible or penalized for the formerly imposed sentence. Public records may only indicate that this was an XXXX  and no longer imposed as a sentence. Consumer reporting agencies have a responsibility to report information especially criminal records properly because it can have a drastic effect on whether a potential employer or creditors would choose to do business with the person. The records aforementioned are not correctly reported and need to be corrected. I have a copy of the orders issued by the Judge in this case that updates it however, it should be a responsibility of the consumer reporting agency to accurately obtain and report the information since the order issued by the Judge would be a public record. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent Wakefield & Associates a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked Wakefield to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or Wakefield and Associates I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company 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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I happened to be arrested on XX/XX/2022. I was in holding until XX/XX/2022. While I was incarcerated my ex roommate stole my wallet that included this PayPal debit card amongst various other debit and credit cards. He also stole some of my electronics to include a phone and a laptop and my car while I was XXXX. When I got out of XXXX I noticed about a week or so later that my accounts were used while I was in XXXX I started contacting all of my creditors about what happened and they all reversed any charges that was not mine while I was XXXX besides Paypal! This dispute was opened XXXX XXXX and closed out and denied the very next day on XX/XX/XXXX. I don't even think anyone looked at my claim for unauthorized charges. Once I have learned that paypal denied my claim, I immediately contacted PayPal to say there is no way I could of made these purchases because I was physically unavailable and provided them a letter from the XXXX XXXX that shows my XXXX dates. However this was not good enough for them. PayPal 's position is that since the debit card was used and a pin was used that I must of given him permission to use my accounts. However XXXX has declared that is not a sufficient reason to deny a claim for unauthorized usage and I supplied them with XXXX 's determination, however they still denied my claim. I then filed a police report and supplied them with all of that information to no avail and never had these reconsidered again! This is utterly ridiculous as I was not available for these transactions, I did not give the person who stole the information my cards and credentials and these should be covered under XXXX and PayPal zero liability benefit for unauthorized usage of my account. Please help me try and recover from these 7 unauthorized charges to my account! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
I'm having problems with my direct Express it was hacked twice this year. The first issue was resolved. The second issue I waited a month to hear that my claim was denied for fraud. The XXXX  would not give me her customer service number but her name is and she was very rude. But all in all they said that I'm responsible for these charges made in XXXX New Jersey I live in Texas, the total charges this time was {$150.00} and a little change. But they did not even contact me while I waited for their decision when the decision was made I had to call them 3 days before the day they said the decision would be made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have attached a copy of my credit report. None of the HARD IMPACT inquiries were made from me. I don't live in Michigan so I could not of tried to open any type of loan there. They were all done on the same day XX/XX/XXXX I think. Please look at the report I've attached and get these removed. I don't need these on my credit report. I'm trying to bring my score up and work to get the bad impacts removed. I need this done please. I don't reside in Michigan so I don't know who did this.

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The Chase Freedom Unlimited card promotes Trip Interruption Insurance and Cancellation as one of its benefits. I used my card to book flights for a trip I took over the summer and that trip was canceled. I tried using the insurance and was told that the benefit was not available to me or my card, despite that being advertised on Chase 's website. 
The trip was canceled on XX/XX/XXXX, I used the card to book my hotel and expense meals as I was under the impression according to Chase that this would be covered under what they promised. 
On XX/XX/XXXX, I submitted my claim to Card Benefit Services which handles Chase 's benefits. 
On XX/XX/XXXX, I got an email saying that my claim had been denied due to those benefits not being available to me. 

This was very misleading according to Chase 's website and the benefits package that was sent to me once I got approved for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: SC

Complaint narrative:
I have contacted both XXXX  and XXXX about this matter, however they have only responded with a templated letter stating they verified. But I requested they provide me details of how the claim to have verified and to whom they spoke with and the contact information. To date I never received this information. The accounts associated are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know the details of these items which is why I requested the method of verification from the credit bureaus. 

My attorney guided me to filing this complaint. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX XXXX received the XXXX XXXX loan back in XXXX of XXXX for the amount of {$19000.00}. The funds were disbursed in my Capital One business bank checking account. I have used that money but by XXXX of XXXX Capital One froze my account. I called customer care at that time asking for the reason behind this. I was told by a few different customer service representatives through the phone very different answers. The one answer that stood out the most was that they were not allowed to discuss that over the phone. Also they would always say that they will get back to me. I have even asked that they provide me a letter in writing stating why my checking account was frozen but the phone representatives refused. Between then and now I never received an email, letter or a phone call regarding my frozen bank account by Capital One. I have about {$4500.00} in that account and need to retrieve that money. This money was given to me by the federal government because of the financial losses my business has and continues to experience due to the CV19 lockdown. I find it insulting that my ability to access my funds were frozen by Capital One bank. It is even more disrespectful that they are not giving me a good reason. I kindly ask that I be assisted in retrieving my money back from Capital One bank as soon as possible. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I purchased my home on XX/XX/XXXX with XXXXXXXX XXXX ; property located at XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a security deed with XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating with my name on it stating that I took out a loan in the amount of {$130000.00}. My name was forged on the security deed and I did not borrow money from XXXX XXXX  XXXX of Georgia. My name is not on the Loan Repayment Agreement and I did not sign any mortgage documents pertaining to the above referenced loan. 

Fay Servicing started servicing the loan in XXXX of XXXX and is using the fraudulent security deed to foreclose on my property. Fay servicing also has placed the debt on my credit report. I have reached out to Fay Servicing to resolve this issue several times to no avail. I've attached a copy of the above mentioned security deed, loan repayment agreement ( proving that I am not on the loan ) and an affidavit I filed with the XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating under oath that I did not sign the security deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On Tuesday XX/XX/XXXX I deposited a payroll check in person at my banking location in XXXX Minnesota. The XXXX XXXX XXXX Huntington Bank. the amount was for {$4800.00}. The bank then the next day placed a hold on the funds for 6 business days or until the bank received the funds from the other bank. I called 2 times once on Friday and Again on Tuesday to verify if the funds were received to be told that they have no way of verifying that the funds were received, and the hold will stay on. I then researched the law on check holds and this one falls under the 5-business day threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: MO

Complaint narrative:
Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( Equifax, XXXX XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: MO

Complaint narrative:
Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( XXXX, Experian XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's 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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Robinhood has restricted my spending account, completely cutting off access to my direct deposited social security XXXX payments. This happened less than a day after my funds were direct deposited ( Friday, XX/XX/XXXX ). 

No one at Robinhood will tell me why the accounts were restricted, or how long it will take for the restrictions to be lifted. 

I have furnished them with XXXX photos of the front and back of my social security card, bank statements, selfies, and other documents. 

I am XXXX and unemployed, and have been cut off from every penny I have. Robinhood support has been abysmal, and has refused to give me any relevant information or relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 XX/XX/2022 XXXX XXXX, 2022 XX/XX/2022 XX/XX/2022 2022

Company response to consumer: Closed with explanation