vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX I bought a prepaid vanilla card to buy ski tickets it would not process so i called vanilla multiple times trying to activate or get info on my card to use it on the loon mountain resort site the card will not process no matter what solution I find

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
Agency is using my copyrighted name to report derogatory information on their reports. I have sent the company a copyright notice along with a notice to remove derogatory information. Should the information not be removed, the company will receive a copyright infringement notice ( {$500000.00} ) and be put on public record for fraud. The agency in question never received consent from me to report my name, my information or anything from a third party in my name. The agency in question created a " contract '' unwillingly without my consent. No full disclosure was given to the agency in question as to what is being reported.

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 2023-02-14 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: MS

Complaint narrative:
I took a look at my credit report only to find out that someone has opened a XXXX XXXX Bank charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-14 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My identity was stolen. Someone enrolled in college in my name and used my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: NJ

Complaint narrative:
To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Original Creditor # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? NO, I did not. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Also, you have violated 15 USC 1681s-2 ( A ) ( 1 ) 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 2023-02-14 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:
To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Original Creditor # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? NO, I did not.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also, you have violated 15 USC 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2023-02-14 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: Credit Bureau of Carbon County
State: CO

Complaint narrative:
On XXXX I submitted a complaint to Collection Center Inc of Wyoming XXXX Their response " XXXX XXXX, thank you for contacting Collection Center Inc. to allow us the opportunity to address your concerns. When we received your correspondence, we immediately ceased all collection activity and began our investigation. We have closed your account in our office. As a courtesy, we have also requested that the credit reporting agency delete this account from your tradeline. Should you have further questions, you may contact us at XXXX during normal business hours and an associate will be glad to assist you. '' This is per CFPB Case XXXX. The account still shows on my transition record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: MD

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 U.S.C 1681. 

Account ( s ) : # XXXX, # XXXX, # XXXX, XXXX 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 : 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 more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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 2023-02-14 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:
My identity was stolen. Someone enrolled in college in my name and used my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a bill from XXXX XXXX a while back in XXXX. I requested an itemized bill because the original bill had no details about what the bill was for. I received no response. Then I got a notice in XX/XX/XXXX stating that they tried multiple times to contact me, which is a lie, and they sent my bill to collections. I just want them to send me an itemized bill with details about what I was being charged for. Medical bills are required to do this, and they are not compliant with basic consumer law. They also lied on the letter about trying to contact me. Now it is in collections. I requested the debt collector to send me the details on the medical bill and they are unable to produce details on what service I received at XXXX XXXX, but still insist on paying them. I just want a bill that has details of what service I received and was being charged for since XXXX and nobody has been able to produce that for me. I am unable to pay the bill with my XXXX XXXX Account with the information that was sent to me, so this is important.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Excessive calls after I told them when I would pay for the period. They call first thing in the morning, sometimes multiple times during the day, and at night by the end of the business day. Far more than an appropriate amount of phone calls even if I am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: UT

Complaint narrative:
I XXXX XXXX am making this complaint please do not close it down. Please submit it to the credit bureaus. I noticed some accounts on my credit that do not belong to me. I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: NY

Complaint narrative:
I have been disputing a certain account for several months now, yet have not received anything concrete to prove my case and keep it from being registered on my credit file. This is a clear violation of my rights. It appears that the credit bureaus have not conducted a thorough investigation of my disputes. I have included my dispute letters enclosing Metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act. Despite this, the accounts are simply coming back as verified without any proof of due diligence being done. This is highly concerning and unacceptable. 

The CFPB is the only hope of providing some justice to this situation, as the credit bureaus have been exploiting consumers rights for too long. I am submitting a complaint to the CFPB today, hoping that they will offer meaningful answers and have my best interests in mind.

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 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
I sent a cashiers check ( {$20000.00} ) from my bank ( XXXX XXXX ) on XXXX XXXX investments for investing in son '' s account ( XXXX XXXX XXXX XXXX XXXX The office closed and they returned the chech to me non negotiated XXXX. The Bank farmed out the check to XXXX XXXX XXXX XXXX ( later bought out by " Fiserv '' XXXX Fiserv XXXX XXXX Wi. XXXX. 
Who has my money? should it not have been sent to the state? if so, which state?

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 2023-02-14 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:
The Credit bureau is reporting inaccurate information and unauthorized inquiries on my credit reporting this matter has been disputed and brought to their attention on many occasions it also have been removed and placed back on the credit report under different collection agencies. I am trying to keep a good credit history I pay my bills on time on a fixed income please give this matter your attention so I can enjoy things in life like all other individuals.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
I have now reached out to the Department of Justice. I feel as though I had to because this Department is showing negligence as well with getting remedy for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Truist Ban k took over Suntrust which is a bad idea. I am trying to resolve closing my account and paying an amount due on a Line of Credit. Because I moved and no Truist Bank is in my area I chose another Bank. Due to automatic payments being take from my Truist account my balance was not enough to cover the checks I had written. The overdraft protection caused the checks to go to a line of credit. In refinancing my home I thought all Suntrust Accounts were closed and I have to information on this line of credit. I get letterrs and cards from Truist and I call the numbers in the letters but I can never talk to anyone and they say " Do to high call volume we can not take your call. We will call you back. THEY NEVER CALL BACK.

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 2023-02-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-14 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: UT

Complaint narrative:
I XXXX XXXX am making this complaint please do not close it down. Please submit it to the credit bureaus. I noticed some accounts on my credit that do not belong to me. I want them removed.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a store account with XXXX XXXX - Comentiy Bank that I requested be closed on XX/XX/XXXXXXXX XXXX. I have documentation from the bank showing they agreed and confirmed the account was closed on that date. My credit report shows the account closed as well. My issue is that comenity bank hasn't truly closed the account ; they have been charging me monthly interest fees at {$3.00}, then throwing late payments on top of that. I didn't realize this was happening until XXXX XXXX I found out because they reported late payments to the credit bureau. I immediately contacted them to see why I was incurring charges on an account that has been closed.They stated the account was closed again, so I thought the situation had been handled. Fast forward to XXXX XXXX, XXXX I get hit with a {$230.00} late payment from them. At a loss, I paid it, I know I didn't owe, but I was hoping that would resolve the issue. The account officially had a {$0.00} balance again effective XXXX XXXX, XXXX. Sure enough, on XXXX XXXX, I was hit with an interest charge of {$3.00}, so it seems they have started the cycle all over again. every time I call the company, they either assure me the account has been closed, or hang up on me after placing me on hold. I believe the practices they are using are predatory, and I would appreciate it if someone would investigate further so this doesn't happen to others moving forward. It has been a nightmare, all I want is for the account to be actually closed and not to be charged moving forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Synovus Bank
State: FL

Complaint narrative:
XXXX  it appears an account was opened under my identification info at Synovus bank amount {$25.00}. Found out when letter arrived via snail mail letting me know {$5.00} was taken out for low account balance and now just remaining {$20.00}. I contacted synovus and they set up a flag as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2023 ComenityCapitalXXXX, XXXX XXXX XXXX, XXXX, OH XXXX, obtained a copy of my XXXX Credit Report fraudulently as I did not request any credit with this bank. 
XX/XX/2023 a new bank credit card reported to XXXX Credit File by ComenityCapitalXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2023 ComenityCapital/XXXXXXXX obtained a credit report from XXXX, fraudulently as I did not request any credit be established by this bank/or company. 
XX/XX/2023 XXXX XXXX XXXXXXXX Bank submitted an inquiry for credit report with XXXX, again fraudulently as I have not requested any credit with XXXX 
My credit report and information is now frozen on all three credit reporting agencies. I have filed a fraud/identity theft report with the FTC Federal Trade Commission on XX/XX/2023

Company response to consumer: Closed with non-monetary relief