vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 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: TX

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: SC

Complaint narrative:
TransUnion has violated my federally protected consumer rights. I have NOT and DO NOT give TransUnion written permission to publish any reference to my social security number, redacted or not, nor my phone number ( s ), nor duplicate references to my name OTHER THAN ONE reference to my full legal first, middle, and last name, nor my past addresses, nor my employer information. TransUnion is in violation of reporting non-conviction related adverse items on my consumer file to include late payments, a collection account, and charge-offs. TransUnion is also reporting three fraudulent/inaccurate credit inquiries on my consumer file. Please see my attached consumer file.

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

Pursuant to 15 U.S.C. 1681 consumer reporting agencies such as TransUnion have assumed their roles and must be held responsible for accurate and fair reporting.

Pursuant to 15 U.S.C 1681c section ( a ) ( 5 ) 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 convictions of crimes which antedates the report by more than seven years.

Pursuant to U.S.C. 1666b a Creditor MAY NOT treat a payment on a credit card account under an open-end consumer plan as late for any reason.

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 2022-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my wife and I attended a vacation timeshare presentation by XXXX in exchange for a free XXXX night stay at XXXX of their properties. 

We declined to purchase the timeshare options provided. They indicated they'd need our social security numbers to put us " into the system '' to get our gifts, and also to allow them to show us better deals ( to attempt to get us to change our mind ). I provided by social security number verbally and the employee punched my info into their XXXX. They left to their office and upon returning noted that we had excellent credit. Not having expected my credit to be pulled I inquired if this was a hard pull because I didn't want a credit inquiry on my record. They said no. They presented financing options which we declined. We signed one paper indicating that we declined all their offers and left. 

The next day I got an alert on my credit monitoring that said there was an inquiry. It turns out they did a hard pull without my authorization. 

A few days later I got another alert that a credit card from XXXX XXXX Comenity with a {$5000.00} credit line was opened in my name. I did not authorize any credit to be opened in my name. 

I contacted the company and they indicated there was nothing they could do. I was told that if I dispute the reports with the credit reporting agencies, XXXX will simply decline to respond. This should " resolve '' the issue because they will drop off of our report. They said this is their standard practice at the advice of their lawyer because they receive many such disputes on a regular basis. 

I asked for a copy of the documents with which I supposedly authorized this credit pull and credit account. They said they could not provide such a document. 

I have already disputed the inquiry ( with one agency ) as well as the account ( with all three ). The agency that has the inquiry has responded and indicated that because the pull did occur they can not remove it from my credit. However since this inquiry was made without my authorization it was in violation of the Fair Credit Reporting Act. ( In addition to this complaint I intend to pursue statutory damages under that act. ) The fact that they receive disputes regularly indicates they are knowingly continuing to perpetrate this fraud. Simply declining to respond to credit reporting agency disputes is not a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 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: OH

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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX  US Bankruptcy 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 instruction. 

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 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-19 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: OH

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 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

In accordance with the Fair Credit Reporting act XXXX  US Bankruptcy 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 instruction. 

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 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Was sent over by doctor from XXXX XXXX XXXX XXXX XXXX to have test done. They were in the same XXXX XXXX building and used the same receptionist and front desk. Was never told that they were not under my insurance. Disputed bill with XXXX XXXX multiple times and was never responded to. XXXX disputed the bill multiple times with representatives over telephone on XXXX XXXX, sent a letter on XX/XX/2021 and additional phone calls later, and was never responded to, and only sent bills. Was turned over to collections with no written warning from either XXXX XXXX or Express Recovery XXXX, and never received notices for payment. Express Recovery XXXX then filed collections on all three major credit reporting agencies dropping my credit score over XXXX points. Was never notified of this either. Disputed results multiple times with credit agencies. Disputes were found in my favor and removed for 1-2 days and then Express Recovery XXXX then submits a new collection account with no contact whatsoever. Both XXXX XXXX and Express Recovery XXXX are in violation of the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Money has been stolen from all XXXX of my accounts! I have made a police report and I had to close mu accounts and reopened new once. I had almost XXXX $ stolen from me. Using checks. I need help. Even after opening new accounts today I had another XXXX $ stolen from my account. The bank isnt doing its job. They made me go get a police report and when XXXX XXXX it to them they made a mistake so I lost a week and had to let them know that they didnt send it he police report since I got a letter about it. So I went back and they submitted it again and once again I got a letter saying that they have not received the police report. These people keep taking my money every day. I have copies of all the forms they have filled out and none of them have my signature. I dont know what to do anymore. Can I sue the bank? Its is chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had an account with XXXX XXXX that was supposed to be ineligible for overdrafts. When the first stimulus checks were sent out they closed my account because it had been overdrawn without my knowledge. I contacted them and was given the run around multiple times. Finally received a call saying they could not reopen my account and that I owed them money. I then opened a bank account at Bank of America and the same thing happened. They were second chance accounts which I understood could not be overdrawn for any reason but yet both of them allowed the transactions to process and then closed my account and refused to help me fix the problem. I still receive notices from Bank of America that are account statements even though I am unable to access the account information whatsoever. Now I am unable to open an account anywhere because of their reports of irresponsible use.

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 2022-06-19 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: FL

Complaint narrative:
I have reached out to XXXX and Trans Union, XXXX several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..

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 2022-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I received a notice from this company showing " Cancellation of Debt '' but it is still showing on my XXXX credit report. I am needing the account deleted from my Credit reports. See Attached documents

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I received a letter around XXXX XXXX informing me that a transaction through western union of XXXX was never received so I followed all rules by sending a copy of id and the bottom part of letter filled out by a deadline which Im positive I made the timeframe but they never sent my funds back As mentioned Ive emailed they dont respond Ive called and they say nothing is found and no knowledge on the letter I received from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: IL

Complaint narrative:
In accordance with the fair credit with the fair Credit Reporting Act XXXX XXXX XXXX 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 2022-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
XX/XX/XXXX our XXXX XXXX stopped working and my husband XXXX XXXX contacted XXXX XXXX to cancel the account. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX still charged me on my CapitalOne card. Each year I called CapitalOne to dispute the {$59.00} charge and requested I not be charged in the future ; however, CapitalOne refused to refund me. Attempts to get through to a live agent at XXXX XXXX were always unsuccessful. On XX/XX/XXXX my CapitalOne card was once again charged. Once again, I called CapitalOne and disputed the charge, but they said that XXXX XXXX confirmed I had an active subscription. After multiple calls, I was able to get through to XXXX XXXX and the agent confirmed that he could find no active subscription for any of my current or prior email accounts. When I asked if he could trace my credit card to an account, he admitted he had no way to do this. He suggested I dispute the charges with CapitalOne. When I told him I had tried but CapitalOne always said that XXXX claimed I had an active account - he suggested I ask for the details of the active XXXX account - as without that there would be no way for XXXX to cancel it. I called back CapitalOne and asked for the letter from XXXX or some documentation detailing the alleged XXXX XXXX account, but CapitalOne refused because it would violate my " privacy. '' Once again on XX/XX/XXXX, i received another charge on my CapitalOne statement. I disputed the charge by submitting a claim online and then called to give the background. The representative told me that she remove the automatic renewal of the subscription and that I should wait to hear back on the prior years ' charges. Today I received two letters from CapitalOne - one said that they were charging me again for the {$59.00} this year and the other said they were reinstating the automatic subscription to XXXX XXXX because XXXX says I have an active account. When I call XXXX XXXX they said I have no active account. I am stuck in an endless loop here between two giant corporations and no one is willing to give me the information I need to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: IL

Complaint narrative:
In accordance with the fair credit with the fair Credit Reporting Act XXXX XXXX XXXX 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 2022-06-19 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: IL

Complaint narrative:
In accordance with the fair credit with the fair Credit Reporting Act XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-19 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: STERLING JEWELERS, INC.
State: NV

Complaint narrative:
XXXX XXXX  which services Sterling Jewelers credit card is reporting a list of inaccurate information on my closed Sterling Jewelers credit card account. I had filed a complaint with the XXXX about XXXX XXXX  reporting unauthorized accounts on my report which they had to remove. Immediately after, my Sterling Jewelers account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX  XXXX bankruptcy, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX  XXXX bankruptcy, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I filed a XXXX  Complaint against XXXX  which they closed without my reply, and a XXXX  Complaint against Sterling Jewelers which they did not answer. I also now had to dispute the account with all three bureaus. This matter remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to Equifax and XXXX XXXX, XXXX several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to XXXX and XXXX XXXX, Experian several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..

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 2022-06-19 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: IL

Complaint narrative:
In accordance with the fair credit with the fair Credit Reporting Act XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * US SM BUS ADMIN ODA * US SM BUS ADMIN ODA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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