vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow 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 2022-07-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 
The following Accounts : Loan Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}

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 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Torrid account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The people I was dealing with posed as employees of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, finance and a man by the name of XXXX XXXX with XXXX XXXX and all these transactions were to get me set up for my new job that I was suppose to start on Monday XX/XX/XXXX. They sent me a check on XX/XX/2022 in the amount of {$4900.00} via email for me to print out and I was instructed to use my bank app to deposit and use the funds to pay for services to help get me set up for my new job. The people that sent the check knew it was a bad check and so I was prompted to act fast to send {$2000.00} to XXXX XXXX XXXX and {$1000.00} to XXXX all under the impression that this check was going towards setting up the equipment I purchased through XXXX and ultimately sent to a company XXXX XXXX XXXX ) that was to perform the installation that I later found out was a residence. I am still trying to dispute these charges with XXXX. I then was instructed to get 2 gift cards in the amount of {$500.00} each, I was able to only get one. I did not send them a picture of the front and back of the card. By the time XX/XX/2022 came the bank canceled the check and I was left with - {$500.00} in my checking account. This was activity on my account that should of been a red flag to Bank of America.

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 2022-07-02 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:
Trying to make payments due on my accounts for Comenity Bank and have not be able to access the system via the web or on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Date of birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Date of birth : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow 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 2022-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX REPORTED ACCOUNT '' XXXX XXXXXXXX XXXX XXXXXXXX '' WHICH WAS DELETED A YEAR AGO, IT IS NOT AN OPEN ACCOUNT, THATS INCORRECTLY REPORTED. IM NOT RESPONSIBLE FOR DEBT COLLECTION THATS SOLD TO ANOTHER CREDITOR, I NEVER WENT IN DEFAULT WITH " XXXX XXXX '' ( CREDITOR ). I HAVENT BEEN PROVIDED WITH INFO, XXXX REPORTED TO CREDIT BUREAU NOT GOOD ENOUGH FOR INVESTIGATION. SHOW ME IM IN DEBT WITH COMMON FINANCIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
I asked XXXX for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on XXXX says XX/XX/2020 and Experian says XX/XX/2020. 

In accordance with the fair credit reporting act, 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 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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Victoria Secret account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted experian and XXXX about a XXXX XXXXXXXX bankruptcy on my credit file. They told me that the got this information from XXXXXXXX XXXX and that I need to contact them directly if I felt the information was incorrect. After reaching out to XXXXXXXX XXXX they did a investigation and the result of the investigation is they decide to remove this bankruptcy of my report. After receiving the letter from XXXXXXXX XXXX I forwarded it to experian and XXXX and to my surprise they refuse to update my credit file and remove this inaccurate information off my credit file. They put this bankruptcy on my credit file base on XXXX XXXX report but wont take it off base on there 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
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX PAID 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 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 2022-07-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX PAID 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 
The following Accounts : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

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 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I applied for the TJX Rewards Master Card at XXXX in XXXX, XXXX XXXX on XX/XX/2022. At the time they claimed i would receive the Card in 7-10 business days. After that period i calles Synchorny to verify status, they told me the card was sent to an incorrect mailing address. They canceled that card and sent a new one to the correct address. Today is XX/XX/2022 and i still havent received the credit card. I have called a total of 7 times to make the same mailing address change. But every time i call, they have the incorrect mailing address again. I already had to pay for the credit card statement once and havent been able to use it. Almost 2 months have gone by and i still do not understand why they cant get the mailing address right. They dont have any other option to recieve the credit card. Everyte i call i get a different answer on what they think went wrong the last time. Im extremely frustrated. My credit has already been inquired; meaning if i cancel the card it will have a negative effect on my credit report, all because of this Synchrony banks inability to send a credit card to a correct mailing address. 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 2022-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I picked up my payoff check from XXXX on XX/XX/XXXX and mailed it to Ally Bank using the UPS Store. UPS store inadvertently sent it to Ally 's corporate center instead of the payment processing center, it was delivered on XX/XX/XXXX, XXXX Tracking Number : XXXX. According to Ally customer service, the check was re-routed to their payment processin center on XX/XX/XXXX. I was intially told 5-7 business days, then 7-10 business days for them to receive the check. I have been calling customer service every other day, sometimes daily, to get this resolved. I have now accrued a missed payment late fee, as well as daily interest as this has gone beyond the XXXXday payoff quote. I have been told they will waive the late fees, and make a decision on posting date once they receive the check. Most recently, Ally stated they are having system-wide issues at their payment processing center and can not even tell if they have received the check that was forwarded to them from their corporate office. I have been given a reference number from Ally Bank customer service, reference # 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 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt XXXX XXXX account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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 2022-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX and Equifax about a XXXX  XXXX bankruptcy on my credit file. They told me that the got this information from XXXX XXXX and that I need to contact them directly if I felt the information was incorrect. After reaching out to XXXXXXXX XXXX they did a investigation and the result of the investigation is they decide to remove this bankruptcy of my report. After receiving the letter from XXXXXXXX XXXX I forwarded it to XXXX and Equifax and to my surprise they refuse to update my credit file and remove this inaccurate information off my credit file. They put this bankruptcy on my credit file base on XXXX XXXX report but wont take it off base on there report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Payment Method : XXXX Pay Date : XX/XX/2022 Amount : {$1000.00} Type : Withdrawal Payment ID : XXXX As of XX/XX/2022, the payment is still being held by the bank with no clear processing timeframe provided.

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 2022-07-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 
The following Accounts : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 
The following Accounts : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

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