vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XXXX XXXX I attempted but was not able to use to use my XXXX XXXX Credit Card. I attempted XXXX {$45.00} payments to Commenity Bank in the XXXX XXXX  store at XXXX XXXX XXXX Delaware. Cashier stated both did not go through. I later checked my bank account and both transaction did post and were deducted from my bank account. I reached out to the store a few times before getting assistance. A XXXX sent an email to the XXXX and XXXX XXXX XXXX and included me on XX/XX/XXXX. I have called Commenity Bank at least 7 times regarding this and keep getting no where, hung up on, or told to check at the store. 
The store XXXX today XX/XX/XXXX, told me it is not their problem. Commenity Bank has sent XXXX letters stating my account is over due, I've received XXXX late payment fees, and they reported me late to the credit bureau high drastically dropped my score. I have not been late or missed a payment for over 3 years now. I am attempted to purchase have a home and this mistake has derailed the plans incorrectly so. XXXX person from Commenity Bank said the I vestigation could take up to 90 days, meanwhile my credit is being damaged and there is no concern or attempts at correcting their error. I have submitted the screen shot from the bank showing the completed transactions as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
This account does not belong to me and it recently appeared out of nowhere on my credit report. Please delete this asap as I have included the identity theft report. 

XXXX XXXX XXXX Account Number XXXX XXXX Account Status XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: VA

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, BANK OF 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  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 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 by more than XXXX years. 

15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: MS

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 a 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 by more than seven years.

15 U.S.C. 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 2023-01-15 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 XXXX account : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraud concern : I was on XXXX in 2019 for a few months before canceling the benefits in Fall 2019. 

Bank of America continues to send me monthly emails about a XXXX card balance even though I never received my benefits as a prepaid card. Since I do not have a card, I can not view my supposed account since it requires a card number to login. 

I've called BoA multiple times and each time they assure me there is no balance and I will no longer be receiving emails, but the emails keep coming. 

I'm concerned some sort of fraud is being committed in my name to receive benefits that I canceled XXXX years ago

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 2023-01-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I have tried time and time to get Toyota Motor Credit to remove late payments from my account from XX/XX/2022 and XX/XX/2022. I was out of work for a while due to having covid and being in hospital from XX/XX/XXXX til XXXX XXXX from covid. I am an XXXX XXXX and I got it from a patient trying to save their life and ended up with it myself fighting for my own life. I have paperwork and all from being in hospital and have offered to send it. They would not accept it. I have tried to contact CEO however the email is not correct and I seen on news at time once I was released that no late payment should be reported if you had covid which I did. I have not made any late payments since I returned to work and tried playing catch up from the months I was off. All other companies helped me get back on my feet and get the late payments for those 2 months off my report but Toyota Motor Credit which I feel is awful bc I was fighting for my life and now my credit has been punished due to these XXXX late feets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: MS

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 a 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 by more than seven years.

15 U.S.C. 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 2023-01-15 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 XXXX  account : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15 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 XXXX  account : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
To whom it may concern, I received a mailer correspondence regarding an alleged debt from United Collection Bureau XX/XX/23 dated XX/XX/23, I do not know who this alleged creditor is. I have never done any business with United Collection Bureau to owe any alleged debt. I do not know anything regarding this alleged account nor any alleged debt owed to this United collection bureau. I dispute the validity of this alleged debt and have attached a formal request for validation, and cease and desist correspondence if this alleged debt can not be validated for verification. Remove my information from United Collection Bureau system, I do not consent or authorize this shared creditor to have any of my personal/ private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last XX/XX/XXXX someone open a checking account at Bank of American without me knowing it. Then transfer {$500.00} from my checking account to the checking out they open. So they took the {$500.00} and send it to remittance. So I told XXXX and they did investigate and gave me back my money and I closed the account they opened

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 monetary relief
Consumer complaint received 2023-01-15 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 sent the letters on XX/XX/2022 and I'm hoping that this issue I'm having would be resolved by now but the company obviously won't act unless I seek help from consumer law experts. There are a lot of inaccuracies and errors in my report so please look into it.

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 2023-01-15 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 XXXX account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A status, 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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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 XXXX account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Dear CFPB Representative, On XX/XX/2023, I received a letter in the mail from Pentagon Federal Credit Union ( PenFed Credit Union ) with a pre-approved Credit Card offer with 15 months of 0 % interest for balance transfer. I decided to apply for this offer and fill out the information and file online. My member number with PenFed Credit Union is # XXXX. 

My XXXX XXXX is over XXXX which is considered very good or excellent credit. However, despite being pre-approved with an excellent credit history, PenFed Credit Union denied my application, alleging bad credit experience, occurrence of severe derogatory event and Insufficient credit history. All of these allegations from PenFed Credit Union are totally false. I have an excellent credit history and NEVER had a derogatory event on my credit score. I consider this a XXXX act on the part of PenFed Credit Union. 

Furthermore, in my PenFed Credit Union account appear with double application, which affects my credit score. 

I request a complete investigation of this XXXX act and the removal of the double application from my credit history. 

Thanks, 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 explanation
Consumer complaint received 2023-01-15 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, We received your Checking Account application, but we cant approve it right now. This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans ( like credit cards or mortgages ). This report was pulled on XX/XX/XXXX. 

We declined your application because your XXXX XXXX XXXX score is XXXX ( on a scale of XXXX ), which we consider to be a higher risk score. According to XXXX XXXX, these are the major factors impacting your score : The number of different banks inquiring during the last XXXX years Number of inquiries during the last XXXX days Our decision was based in whole or in part on information obtained from XXXX XXXX, a consumer reporting agency. XXXX XXXX did not make the decision to decline your application and is unable to provide the specific reasons about why it was declined. 

If you have questions about the XXXX XXXX report, you can get a free copy of it within the next XXXX  days. If theres a mistake on the report, you can dispute it with them. 

XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Phone : XXXX Website : XXXX XXXX XXXX I'm sure my identity has been stolen, I've been out of the XXXX. I have lived in XXXX for work reasons since XXXX, I just returned in XX/XX/XXXX, and I find that someone has been using my identity doing improper things, so I can not open accounts in any bank. I can prove that I've been out of the XXXX all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!

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 2023-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: NY

Complaint narrative:
I am unable to obtain a standard loan estimate from Fairway Independent Mortgage Corporation. I have submitted an application and all the information required to receive a loan estimate by XX/XX/2022. The property address is XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX. I have been prequalified for {$270000.00}. 

I have asked the lender for this document several times since submitting the required documents but was told that he is not allowed to provide it.

Company response to consumer: Closed with explanation