vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX ( comenity bank ) had an update to their system and they said that they would not charge late fees, or report to the credit bureaus. They charged me a late fee which caused me to go over the limit and they reported it to the credit bureau. They have not updated my credit bureau since XXXX of XXXX so it is showing that I'm over the credit limit .... I'm beyond done with comenity because they are just ruining my credit score!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: NE

Complaint narrative:
Discover Bank closed my savings account. Account number ending in XXXX on XX/XX/2022. After, I called Discover Bank to verify my identity. The Discover Bank banking specialist told me that my Discover bank savings account balance would be mailed by XX/XX/2022. On XX/XX/2022, I wrote a letter to Discover Bank & dispatched by Certificated Mail to mail a check for the balance. 
On XX/XX/2022, I mailed a letter by Certified Mail to XXXX XXXX, Vice President, Discover Bank Customer Service, asking that my check be mailed. 
On XX/XX/2022, I mailed a Priority Mail Letter to XXXX XXXX, President & Chief Executive Officer, asking that the balance in my Discover Bank Savings Account be sent to me. I still have not received the check for the balance in my Discover Bank Savings Account for {$3600.00}. 
I must have these funds by XXXX to pay my Property Taxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On Approximately XX/XX/22 i sent a letter to this company ( One Main ) to remove the inaccurate information off of my credit report. I have not received any response or acknowledgement from them. I sent out an follow up letter by certified mail on XX/XX/XXXX and this company has yet to respond and/or remove the inaccurate information off of my credit file. I have attached the letter I have sent to them with my signed signature. Please help assist me with an investigation and the removal of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
Complaint number continuation XXXX The owner of XXXX XXXX is XXXX and XXXX XXXX my dear the same people you have been harassing for money we don't owe but you owe us

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 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX & XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is complicit in opening fraudulent cards in my name, then when I called for their help, instead of closing the fraudulent accounts, they opened MORE accounts in my name. 

Please help. 

I was informed by the IRS, that I had debt cancellations for this bank, even though I dont have an account with them. The bank could not even find the account I was calling about. But they opened a different one in my name. 

I called on XX/XX/XXXX to report the fraud & get it reported, and on XX/XX/XXXX I got a new card from them, instead of them closing & investigating the fraud. 

They couldnt even tell me when the fraud accounts were opened. They had different addresses for the cards. 

Someone at the bank is in on this scam. Please help.

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I received a statement on XXXX from All Rewards which is being serviced by Comenity-All Rewards. On this statement there was a late charge of {$27.00}. I went online to my checking account and a check was sent to the company prior to the bill due date. I contacted Comenity and spoke to a customer service representative I disputed the late charge and stated I wanted to close my account. XXXX eventually waived the late fee and provided me with a reference # of XXXX. 

On XX/XX/22 I received my statement from XXXX XXXX serviced by Comenity XXXX XXXX XXXX and it now has an additional late fee of {$27.00} and {$1.00} interest charge in addition to the late fee from last month that wasn't waived. Total due now {$55.00}. 

I called Comenity and spoke to Customer Service Rep and then a supervisor. Initially told since account closed they could not waive the late fees. After much discussion, supervisor XXXX stated she would do a system override and clear the late fee. I asked for documentation that this had occurred, since I received the same assurance last month. She stated she couldn't provide me with documentation until after the statement period ends, which would be XX/XX/XXXX. At that time I could call in and get a XXXX XXXX letter. 
The issue is if this once again doesn't go through, like last month, I will have another late fee added and it will probably affect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 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:
This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX  XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 6. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7. Account Name : XXXX Account # 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 2022-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Exeter Finance has reported 16 late payments along with charging a late fee when I have been paying on time since XXXX XXXX XXXX. Ive reached via email as well as by telephone and every time I ask to the rep to speak a Supervisor they say the supervisor is busy or state they cant hear me during the telephone conversation. The late payments stem from payment extension arrangements that send the car note to the back of the auto loan which in return should not report the loan as late. I do have paperwork supporting it should you need more I will be able to provide such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I deposited a check on XXXX, I contacted the bank and they stated they could remove a hold if they verified the maker. I contacted the bank on XXXX, they stated the funds will be released on XXXX. On XXXX they stated they could not verify with the bank to call back. On XXXX I called the person said he would call. The loan financial company was closed at that point and could not verify it. They told me to call on XXXX and they should be able to call during business hrs. On XXXX I called chase and was told they were not going to release anything, that there is nothing I could do. The decision is final. Mind you, XXXX was never released at any point. The other issue is that, they said it was flagged. I obtained proof from the bank the check was from, showing the check cleared on XXXX. It is now XXXX and they will not release the hold until XXXX. I have done everything to verify it to have it released. They held the check in the entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Purchased mattress from Mattress Firm through Synchrony Was told the first 12 months would be 0 % I was locked out of my account and not receiving paper statements, so didn't realize I was paying interest after 6 months at a XXXX  % rate I contacted them multiple times, and they finally said they would extend it to 12 months 0 % interest, even though that was the initial agreement. They said I would see this on next statement I finally recieved in mail This showed I was still paying interest. Every time I call they say they will look into it, and I never hear 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 monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My venmo account was frozen and I was notified via email that I had to submit proof of identity. After sending a picture of my license ( front and back ), my account was permanently deactivated. They will not provide me with a valid reason as to why ; however, it seems suspicious that they requested a copy of my ID prior to permanently deactivating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: IL

Complaint narrative:
This was suppose to be paid again by the XXXX assistance program. Please inquire with them where they are in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I want to request removal of this report on my credit : XX/XX/2022 I canceled the credit card with this company and they canceled the automatic debit that was enabled in my checking account, the payment did not occur due to this company error and I was harmed. I contacted the company, made the payment manually, opened a claim and they did not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE BUT YOUR STILL SHOWING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-09 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: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
My Daughter came in this summer she got in my mail and opened XXXX credit cards in my name on my phone. I have received XXXX bills I have no idea where they came from but she has done this to my XXXX XXXX XXXX Mother before so I know this is what happened. She is XXXX  I am raising her XXXX XXXX XXXX son the other XXXX boys are with some of my family. She has no address no number I couldnt begin to find her. 
Thank You Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
XXXX  account # XXXX has violated my rights affirm account # XXXX has violated my rights XXXX  account # XXXX  has violated my rights XXXX. XXXX, XXXX account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
XXXX  account # XXXX has violated my rights XXXX  account # XXXX has violated my rights affirm account # XXXX  has violated my rights XXXX. XXXX, XXXX account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX  XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7. Account Name : XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 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:
This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 


XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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