vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have a store credit card for " XXXX XXXX XXXX '' through Comenity bank. I went into a local store to make a purchase with my credit card on XX/XX/XXXX. Online and in the store it shows that I have a credit limit of {$5000.00}, with a balance of {$0.00} so all {$5000.00} is available for purchase. I went ahead and attempted to purchase furniture to the amount of {$3700.00} and was denied at checkout. 

At the store, we called into their customer care team and all they would say is that my account was locked. They would not provide any other details and were rude and not helpful at all. I left the store without making a purchase. 

A few days later, I called the XXXXXXXX XXXX on the back of XXXX XXXX XXXX card and that rep told me the account was locked due to the fact that I have not used my card in the last 24 months. That part is true, I believe the last activity on the card was in XX/XX/XXXX. However, Comenity NEVER notified me in any way, shape or form that this was happening. There was no warning saying that if i didn't use my card it would be deactivated nothing in writing, nothing in email, no phone calls, etc. I asked the rep what I can do to resolve the issue ( since I am ready to make a purchase ) and she said there is nothing I can do at this time. 

A few days later I emailed Comenity through my secure message option on the online portal. At first, they only replied with this " ... After looking at your account, your account is not authorized for purchases Unfortunately, we are unable to reinstate your account. Kindly use another form of payment to continue your transaction. Again, I apologize for the inconvenience and interruption to your shopping experience '' I was not satisified with that answer so I dug in more, asking what I need to do to reinstate the account. This was their response today : " ... Our records indicate there have been significant changes to your credit bureau report. Your card is not approved for use. Unfortunately, we are unable to reinstate your account. 

The account is not authorized for purchases and there isn't anything that can be done to change this. You may continue your transaction with another form of payment. '' So now they are saying there are changes to my credit and that is holding up the card. 


I have had this card since XX/XX/XXXX. I have always made my payments on time. Several times I have paid the balance off fully. I have made plenty of payments in interest to Comenity since XXXX. The fact that I am not getting a definitive answer on why the account is locked, and more importantly, what I need to do to get it unlocked, is extremely frustrating.I still have the sales receipt from my purchase that I would like to proceed with, but Comenity is not helping. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I logged into my Citi account for the first time in a while and noticed that I had started receiving monthly service charges of {$30.00} ( each month ) beginning in XX/XX/XXXX. 

This is after I had already dealt with a previous issue the prior year in XX/XX/XXXX where I noticed the same thing and had to call Citi to get the charges reversed. At the time, they told me they were switching my bank account to a basic one so I would no longer receive these charges. I accepted their word, they confirmed they had changed my account over the phone, and that I would no longer be receiving service charges. 

No explanation has been given as to why my account status switched or why I have been once again charged a monthly service fee of {$30.00}. As of this writing, they have stolen XXXX XXXXfrom my account and their customer service team says they can only refund me for 5 months which is unacceptable. Citi still owes me {$120.00} for fraudulent and invalid fees. Citi is stealing money from me and its customers and needs to be investigated for shady business practices.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In a recent review of my consumer report I noticed an account ending in XXXX being reported by XXXX XXXX on my consumer report that is not mine. I do have 2 accounts with XXXX  XXXX that are mine and after speaking with a XXXX  XXXX agent by the name of XXXX, I was able to confirm that the account is not my account and that I should reach out to the consumer reporting agencies for the erroneous information, as this is a major violation of rights as a federally protected consumer. It is the responsibility of all consumer reporting agencies to report fair and accurate information in accordance with the 15 U.S. Code 1681e. Having an account that is not mine reporting on my consumer reports is definitely not fair nor accurate. Additionally, going forward, I am opting out of any and all reporting of the account ending in XXXX as it is my right to do so in accordance with 12 CFR 1016.1

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In a recent review of my consumer report I noticed an account ending in XXXX being reported by XXXX XXXX on my consumer report that is not mine. I do have 2 accounts with XXXX  XXXX that are mine and after speaking with a XXXX  XXXX agent by the name of XXXX, I was able to confirm that the account is not my account and that I should reach out to the consumer reporting agencies for the erroneous information, as this is a major violation of rights as a federally protected consumer. It is the responsibility of all consumer reporting agencies to report fair and accurate information in accordance with the 15 U.S. Code 1681e. Having an account that is not mine reporting on my consumer reports is definitely not fair nor accurate. Additionally, going forward, I am opting out of any and all reporting of the account ending in XXXX as it is my right to do so in accordance with 12 CFR 1016.1

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/year> I requested that three accounts be verified.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 
I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX Unverified Account XXXX, XXXX XXXX Unverified Account XXXX, XXXX XXXX Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit file and discovered several inaccuracies in the personal information reported. It has come to my attention that you are reporting information that does inaccurate or does not belong to me, which is not only concerning but also has potential repercussions for my financial well-being. 

I am writing to ensure that my credit file contains the most accurate information possible at all times. Therefore, I kindly request that you delete the following inaccurate information contained from my credit file within the next 30 days. I have provided current and correct information for each category to be updated along with proof of identification. 

If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed.

Under the provisions of 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with written instructions from the consumer to whom it relates. Despite this legal requirement, XXXX has knowingly furnished my consumer report with inaccuracies on multiple occasions without having received written instructions to do so and has violated my privacy rights. These actions have caused significant difficulties in obtaining needed credit. 

I trust that you will address this matter with the urgency and seriousness it deserves. Failure to correct these inaccuracies within the specified timeframe may result in further legal action and seeking monetary damages for violations. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ever since XXXX when I found my identity had been stolen and used to open numerous accounts in my name, I have been fighting to get my life put back together. Transunion has not been of any help and refuses to hold up their legal end. I have supplied them with evidence directly from the creditors and they refuse to remove these credit items from my credit report. They simply state that they will investigate it which usually means they kick the can 30 days down the road and do nothing. This is causing pernicious mental and financial harm to my family that Transunion will be liable for if this is not remedied immediately. These accounts need to be removed from my report. The creditors themselves stated that they do not belong to me, I am not sure why Transunion refuses to correct this wrong information on my credit file. I will attach the documentation below to show the accounts in questions.

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 2024-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I do not owe the rental company any money, they were in breach of the lease and forced me to move. I signed a lease for a smoke free building and it was not smoke free - there was excessive cigarette smoking inside units all over the building. Complaints went completely ignored. When I told them I had to move out due to a XXXX condition, I gave them the courtesy of XXXX  days notice, while living elsewhere because I could not breathe. I confirmed with management that the XXXX months covered the broken lease fee of XXXX months. Then, many months after I moved they decided I owed XXXX more months and sent it to Genesis for collections. Neither the property, nor Genesis will acknowledge any of my communications regarding the matter. Genesis then took it a step further by calling my elderly parents and trying to scare them into paying this debt. When I complained, they ignored me. The matter is under current investigation by the XXXX XXXX division of the NYS Attorney General. This matter should be suspended until the AG makes a determination. If they deem I owe money I will pay it, but until then my vredit should not be destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit Systems is attempting to collect a debt for XXXX XXXX. I have disputed this alleged debt for several years. I have requested documentation of the debt, which Ive been told is not available. I have not done business with XXXX for well over 10 years, when I terminated services and returned the equipment. Everytime Ive disputed this alleged debt, the collection agency fraudulently reports this as an active account and changes the last transaction date to a recent date. This is adversely affecting my credit status and I believe this is an attempt to extort money I do not owe in order to improve my credit standing. XXXX unfairly accepts these accounts as verified and accurate, without providing information as to how these matters were investigated. Ultimately, the customer is harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include any report containing information solely as to transactions and experiences ( Payment history and Charge Off status ) between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharge debt. This is now a certificate of indebtedness per the IRS and income that can not be reported on a consumer report. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. The reporting of this account as a debt inaccurate. CAPITAL ONE charged off XXXX. I filed the XXXX on a 1040 tax form. CAPITAL ONE is HEREBY PUT ON NOTICE that they are furnishing incorrect and inaccurate information. In CAPITAL ONE terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX are non affiliates of CAPITAL ONE nor are they bureaus. The only true bureau is the CFPB and they do not furnish consumer reports as stated in federal law. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal and non verbal per 5U.S.Code 552a. Per the FCRA as a federally protected consumer I am opting out any and all authorization I the consumer may have given written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact, inaccurate. CAPITAL ONE has violations totaling 4000 in civil liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus have listed fraudulent accounts on my report. XXXX XXXX sent has reported 3 fraudulent accounts on my credit report. No letter, no documents, no call. This is harming my credit report. My consumer rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a XXXX dollar Amex card that got declined when trying to purchase a video game on the XXXX XXXX. The card then proceeded to decline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting 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: RI

Complaint narrative:
I revoked all past and future consent for XXXX to report this account on my consumer report and they are still reporting the account despite my dispute to Opt out of reporting. Same goes for Transunion and 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I revoked all past and future consent for XXXX to report this account on my consumer report and they are still reporting the account despite my dispute to Opt out of reporting. Same goes for XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Enrolled in the Public Service Loan Program and submitted an employment variation for the XXXX school year through XX/XX/XXXX. Has only 7-8 qualifying payments to reach 120 total eligible payments to have some of my loans forgiven/discharged under PSLF. However, MOHELA is not counting employment from XXXX of XXXX nor are they counting XXXX of XXXX toward qualifying payments with my last employment certification form, despite making payments since payments resumed after the COVID forbearance by the U.S. Department of Education, which means that MOHELA is stating that I only have 119 qualifying payments for PSLF instead of 120 due to not counting qualifying payments from XXXX of XXXX and XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
My escrow account pays my annual home insurance fee. On my mortgage companys app my escrow information shows that my insurance payment had been dispersed to the insurance company on XX/XX/XXXX ahead of the renewal date of XX/XX/XXXX. On XX/XX/XXXX I got an email from my insurance company asking why I was leaving. I called and advised that my insurance company dispersed the check on XX/XX/XXXX for the correct amount. I tried to contact the mortgage company but there was no response. I now have no home owners insurance even though Ive paid my mortgage on time every month.

Company response to consumer: Closed with explanation