vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11 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: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Capital Bank really needs to be investigated & held accountable for the outright misappropriation of credit card customers and their finances. This 'bank ' schemes to deceives honest, hardworking individuals. 

Most recently, the fact that this institution only recently began accepting automatic payments for some of its store credit cards is proof that they designed a system to fail the consumer. Attempted numerous times to establish auto payments with Victoria Secret & XXXX XXXX XXXX cards only to find out the Comenity Capital Bank system never properly established these payments, even though I received confirmation that these automatic payments were successfully established. This results in numerous late charges and fees assessed to the store credit card accounts, no available credit and a significant credit score drop due to these errors. 

The FTC should hold these institutions accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to TransUnion on XX/XX/22 under XXXX tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} Delete the inaccurate accounts on my credit report immediately.

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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WY

Complaint narrative:
My wife and I refinanced with the first paymet being due XXXX. I setup for auto draft, and it has been XXXX ever since. As of now Cardinal Financial has pulled and paid XXXX, XXXX, and XXXX. They have been slow posting on every month, and have not posted XXXX or even pulled XXXX. We want to pay this house off, not have it damage our credit, and pay interest on payments that should have been posted on the first of each month. We have made multiple calls and keep getting the run around. My wife spoke with them on XXXX, and I spoke with them today XXXX, and all we hear from them is the same old thing, " I'm not sure why it's been such a problem '' or " we'll get back with you in XXXX business days ''. There has to be a way to protect people from lenders like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
Equifax is breaking the law and I'm being a victim of Identity theft by Equifax Information Services LLC and I am being ignored by their company. ( Police report attached and FTC report attached ) Please be advised this is my third complaint with the CFPB, This is the second time Equifax information Services LLC send me the same correspondence ( attached ) making false statements that the proof of identity does not match the information they currently have on my credit file, not only do I believe this to be a stall tactic on their part to avoid and not to comply with my original request, but I believe it to be a blatant violation of the FCRA. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act. 

I sent them 5 times, let me repeat.. 5 times ... my social security card, two bills with my current address, and they still making false statements that they cant verify my identity. ( attached with this complaint my social security card and two bills with my current address ). 

Also their CFPB responses always is the following " '' Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file '' '' STOP STOP STOP WITH THE SAME RESPONSE STOP violating the Fair Credit Reporting Act I have a relatively high degree of mental pain and I'm suffering mental anguish, feeling overwhelmed helpless, XXXX and spending a lot of time worrying due to the Identity theft caused by Equifax Information Services LLC I will continue to make complaints with the CFPB and the State Attorney until Equifax stop breaking the law. Equifax Information Services LLC is in violation of 15 USC 1681b ( a ) ( 2 ). I the consumer never gave Equifax Information Services LLC any written consent to report the mentioned accounts in my consumer report, ( XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX ) No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
CashApp has been charging my account with various unauthorized subscriptions for about XXXX or 8 months. When I tried to get in touch with these merchants, contact info given was bogus! The first step in getting a refund, according to CashApp, is to alert the merchant of your dissatisfaction, and seek a mutually beneficial resolution ; however, in the money game, you do not have a proper process of dispute, once your money is in a money servicers hands you may as well let it go as lost, right? XXXX no ; I toiled in the hot and every conceivable type of weather and I see no reason to give to scammers! I offer you access to my account to examine it andrealize that these are scam subscriptions and are probably shell companies! I have been impacted negatively by their actions and have determined that I am due compensation for actual costs to my credit and/or finances!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect Personal 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 non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect Personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: The Outsource Group, Inc
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To whom it may concern, I have had a claim opened with Chase Ink business credit card since XX/XX/XXXX. Chase has not provided any update on their claim investigation. 
Background of events : My XXXX login information was stolen and was used to make following XXXX Friends and Family payments with Chase Ink Credit card : XX/XX/XXXX {$180.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$180.00} I have opened a dispute with Chase and it's been pending for almost 2 months now. I have provided supporting documentation to Chase, such as police report, confirming my identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: OH

Complaint narrative:
I have several closed Charged off accounts on all 3 Credit Reports XXXX. XXXX. Experian. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA 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 explanation
Consumer complaint received 2022-04-11 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: OH

Complaint narrative:
I have several closed Charged off accounts on all 3 Credit Reports XXXX. Equifax. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Date : XX/XX/2022 Bank : Chase Issues : The chase bank suddenly closes all of my bank accounts including checking accounts and credit cards without any reason. I do not think I do anything wrong. They just said I make an unexpected activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Klarna AB
State: NC

Complaint narrative:
Hello Klarna, I need your help. XXXX is still reporting a hard inquiry on my credit report from XX/XX/2020. I reached out to your customer service about this matter several times. In the email attached, you stated that a request was sent to XXXX for removal of the hard inquiry. Also, another agent told me that your company does not use XXXX for credit decisions and there should not be any inquiry from XXXX on my credit report connected to XXXX. 

XXXX is still reporting this hard inquiry on my credit report, and they have stated that they have NOT received a request from Klarna to remove the hard inquiry. 

Please help resolve this issue. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/XXXX There was an account opened in my name that is now in collections for {$9300.00} ALSO ON XX/XX/XXXX There was a false collection for {$670.00} under my name that should have been resolved already. 

15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions.

15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief