vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXX XXXX XXXX Acct number :

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 2022-07-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX/TD # : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CO L ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 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: LA

Complaint narrative:
I've been trying to make a payment on my credit card account with comenity bank since XX/XX/26. The due date was today and the website and phone line are still down. Company said it was a plan outage but 7 days is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Date of birth : XXXX. XXXX Addresses : XXXX. XXXX XXXX CT XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, APT XXXX, XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 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 non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  located at XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX sent me to collections with XXXX XXXX XXXX  for {$17000.00} without explanation. We moved out XX/XX/2021. We did not break lease and cleaned apartment before leaving. They have no list, or letter on why they charged this. Called company and they give no reason. This amount is more than a years worth of rent at this property which was income based and HUD. Ruined my credit with no explanation. XXXX XXXX was also the main person listed on lease. Again, company gives no letter, warning or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The text message says with a scam link attached : ChaseSupport : We noticed Your chase account has been temporarily limited due an unusual activity, to unlock visit XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Received email from Wells Fargo on XX/XX/2022, regarding an Application for a Wells Fargo Visa Card in my name. I did not submit this credit card application and reported it on XX/XX/2022 to Wells Fargo at the number provided in the email : XXXX. 

The Wells Fargo representative asked me for my SSN and DOB in order to look up my application and mark it as fraudulent. I did provide that information and they stated Wells Fargo would follow up with me directly for additional fraud reporting. I received a Declaration of Fraud in the mail from Wells Fargo to complete by XX/XX/2022. The Declaration also asks for my SSN and I am uncomfortable proceeding further at this time.

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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account has violated my rights. 

15 U.S.C. 1681 Section 602 A : States I have a 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 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 2022-07-02 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: MS

Complaint narrative:
I did not consent to these inquires

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 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX at XXXX, Discover Bank froze my checking and saving account that houses all my finances that includes my work checks that get automatically deposited as well as my savings. I have tried since the XXXX to contact 3 numbers that they have given to me to get it unfrozen but have sat on hold for 3 to 6 hours with no contact. Now I am becoming aware that there are other bank holders that have had no access to their accounts going on three weeks. I have a XXXX and need access to my funds for my medication and there is no way to get it. In addition, of course maintaining lively hood so I am not homeless. 

Discover has not made a statement or reached out and I am at a loss of what to do because talking to someone from discover is the only way to get my account unlocked and like many we can't get anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp was hacked and hacker got my information 6 times stole out of accounts stole from XXXX XXXX  and XXXX XXXX XXXXXXXX i have sent multiple emails to cash app and they refuse to refund my money XXXX XXXX XXXX XXXX XXXX i am so XXXX off i bust my XXXX  for my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: MA

Complaint narrative:
I have a XXXX XXXX and a Torrid card, both through Comenity. I had been trying to check my balance and pay my cards on the site for a week and keep getting errors or reports of glitches and unable to login for both card sites. I complained on twitter and they advised to call the number on the card to pay, but the automated numbers just hang up on you and tell you to call back later. This has also been going on over multiple days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The XXXX XXXX fraudulently charged my Suntrust debit card in XX/XX/2018. I reported this to Suntrust. Suntrust reversed the charges, did an investigation, and without any evidence decided to undo the reversal of changes of approximately {$1000.00}. This caused a cascading amount of overdraft charges due to this unanticipated chargeback of the fraudulent charge. I contacted Suntrust numerous times to straighten this out and Suntrust refused to provide evidence that the charge was nonfraudulent or resolve this issue. I knew the charge was fraudulent because I did not charge it and did not authorize it. As a result of this incident, Suntrust put me in XXXX. I contacted XXXX XXXX recently after being notified Suntrust had noted this in the XXXX and explained that this was the result of fraud. Despite this XXXX did not remove this entry.

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 2022-07-02 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : COLUMBIA DEBT RECOVERY {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Several months ago I opened a new auto loan with Bank XXXX XXXX, and paid off my auto loan with US Bank. Since then I have contacted US Bank XXXX times and spent several hours on the phone with them to obtain the title to be sent to Bank XXXX XXXX, or a letter reflecting the lien release that I could take to the XXXX. On each occasion they have stated that they have mailed the title to me and would provide a lien release letter. I have not received either, and have continued to contact them in an attempt to have the matter escalated. I have even gotten Bank XXXX XXXX on the phone with US Bank, and reached out to the XXXX for assistance. No one can locate the title and every time I am told an associate at US Bank is escalating the issue or overnighting the lien release letter to me, nothing happens. Attached are the screen shots that US Bank provided as proof that they are working on this, but have not concluded the matter. I have been attempting to resolve for approximately XXXX months, and Bank XXXX XXXX will close my loan if I can not provide them with a title.

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 2022-07-02 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, 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 Account Name : XXXX XXXX XXXX XXXX Acct number :

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 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Sam 's Club account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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 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 2022-07-02 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: NV

Complaint narrative:
I asked Transunion for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on Transunion says XX/XX/2020 and XXXX says XX/XX/2020. 

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 : 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 2022-07-02 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CO L ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That 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