vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX which is Comedity Bank system has been down for for days and you cant sign into your account and they are not taking calls. Their XXXX says its a system update but you cant do anything on their website. If the system is down what does that have to do with them accepting calls? You cant make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
New information. 

notice i claim harm by way of trespass and i a man privacy rights. 

YOU BROKE THE LAW my rights these are my rights i am a man i know my rights my rights are if you do any wrong if you trespass by way of extortion in any way if you harm i or goes in care of i or the property of i if any harm to property or any undue exercise of power if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim.

pursuant to 15 USC 1681 ( 4 ) XXXX XXXX you fail to comply with law, i a man did not consent to or authorize XXXX XXXX a man or woman to sell or transfer my personal and private financial information or data to ANY corporation or organization or affiliates. XXXX XXXX a man or a woman fail to provide or produce material documents or law to support his or her statement. See exhibit A Notice, it is a fact, claimant is aware, pursuant to 15 U.S. Code 6801 ( a ) i a man, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, please be aware that this option was not presented to i a man which is a violation of law. 

pursuant to 15 USC 1692b ( 2 ) i a man did not consent to or authorize XXXX XXXX or COMENITY BANK to furnish i a man personal or private financial information any unlawful or extortion or any undue exercise of power identified will result in a claim against you in federal court for violating i a man rights. 

i a man is demanding that XXXX XXXX delete or remove ALL three ( 3 ) accounts listed below from my consumer report. if XXXX XXXX fail to comply with the law will result in a claim file against you for failure to comply with law. 
accounts removed or deleted from my consumer report. see below account ending in ( XXXX ) account ending in ( XXXX ) account ending in XXXX, previously ending in XXXX Civil liability Notice, it is a fact, claimant is aware, negligence is neglecting requirements that should be known. i a man the claimant and consumer, made XXXX XXXX a man or a woman aware of, prior and continued failures of reasonable procedures as seen in Exhibit ( A ). i a man claimant has reason to believe and do so believes due to XXXX XXXX and COMENITY BANK unlawful or deceptive business practices, XXXX XXXX a man or woman actions are liable under 15 U.S. Code 1681o for the actual injuries caused to i a man, the consumer in fact. 

regards, i a man

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 XXXX XXXXays 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXXdays 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 XXXX 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 2022-06-28 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 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 XXXX i made this clear for XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 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 2022-06-28 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: MD

Complaint narrative:
I have been denied credit by XXXX. 

My personal identifiers are incorrect in my credit report. 

The following personal identifiers are the only information is the only data that should be reporting. 
Name : XXXX XXXX Social security : XXXX XXXX Telephone XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Birthday : 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 non-monetary relief
Consumer complaint received 2022-06-28 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: NE

Complaint narrative:
I have 2 store cards with Comenity Bank one with Victoria 's Secrets and 1 with Express for the past 10 days Comenity Bank has stated that both the sites I'm trying to access are down for maintenance. My payments are due and I am unable to make the payments, unable to reach anyone over the phone, they have an automated system saying their offices are closed then it hangs up on you. You can't get to a live person, you can't make a payment on the app you can't make a payment on the website, you cabt even access your accounts, nothing is working and noone is saying anything at all. I've tried to contact Victoria 's Secret and Express and they have absolutely no clue and direct you back to Comenity Bank because they have no access to the credit cards to make payments because Comenity Bank is supposed to handle the account. It's absolutely obsurb for the consumers to have to go through this and risk affecting their credit for late payments because they can't make their payments due to the negligence of the credit card issuers system maintenance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I am executor for a relative with an account at Coinbase. 
I have been trying to move the funds from his account to a new account set up for the heirs. 
I have provide all documentation and have spoken to XXXX different cs persons and all say it must be handled by a specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchased an order from XXXX XXXX on XX/XX/XXXX, XXXXThe items were returned via XXXX  courier on XXXX XXXX. I was told by the supplier that it will take a few weeks to receive a credit refund. 
I initiated a dispute with my credit card company in XXXX but received written documentation om XX/XX/2022. 
I call the credit card company on XX/XX/2022 to follow up on the matter. I was informed that my account was sold to another company, and they no longer could assist me with the matter. 
I called the new company the same day and spoke with several representatives for over 1 hour. They all informed me that the former company is responsible for the credit refund. I then, called the former company and asked for a manager. She told me that my account was closed and transferred. 
Also, I have a letter stating that I'm due a credit for {$5.00}. I have not received a check or credit refund. 
Since the account has been closed, I no longer have visibility of my statements. 
Former Company Name : XXXX XXXX Synchrony 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 2022-06-28 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: NY

Complaint narrative:
TransUnion continues to violate my consumer rights. I have a right to complete and accurate information in my file. TransUnion is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.

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 2022-06-28 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a XXXX XXXX card through Comenity Bank. Their system has been down for several days with no ability to communicate with anyone. No explanation is being given for the extended outage aside from generic responses. No answers given about making payments, unable to access my information to check for possible fraudulent purchases. No estimated time is being given for service restoration. Very concerned there was some sort of breach and it is being hid from customers. They are giving everyone until XX/XX/XXXX before late fees, which is only a few days away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2022 I received an alert that I could Not log in to my accounts with Chase. I went Into the bank and realized someone in a different state went into a branch and impersonated me by using a fake identity and opened a joint account. That fraudster transferred over 50k from my accounts and then proceeded to withdraw money from other branches. Chase is at fault to this. The fraudster took out XXXX from other branches and was not flagged. I received a check from chase addressed to the fraudster and myself for $ XXXX but not the rest of the XXXX that he withdrew. Chase is making me do all the leg work to get my own money back when it was their fault. I have Filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: IL

Complaint narrative:
Hi I am submitting this 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, I went through my file to get the code to lift the credit freeze with Experian. I did not find anything. I went online to learn how-to ; info was to create a free account. They asked for name, address, email, and probably a phone number ( from memory ), but then they ALSO asked for the entir

e S.S. number, instead of the last 4 digits. The purpose of the security freeze is to PROTECT the social security number and SURELY, they can identify me with everything else they asked for online or can ask me say, on the phone. ( My main bank only asks for the last 4. ) - Of course, it is impossible to reach them on the phone. Since most potential creditors want a report from all 3 businesses, please help me here. 
Thanks.

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 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.

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 2022-06-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: LA

Complaint narrative:
I have contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.

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