vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After researching, I found under the XXXXair Reporting Act ; everything must be 100 percent accurate on my credit report. Upon requesting that Experian verify and correct my credit report, I found inaccuracies from the re-investigation relative to the XXXX XXXX  account. The date of the Last Activity and the Date Reported is inaccurate. 

The inaccuracies reported are grounds for the removal of this account. The credit bureaus have violated my rights numerous times. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

According to 15 U.S.C 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2022-06-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

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

15 U.S.C 1681 section 602 A. 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 2022-06-28 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: Experian Information Solutions Inc.
State: MN

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

15 U.S.C 1681 section 602 A. 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 2022-06-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After researching, I found under the Fair Reporting Act ; everything must be 100 percent accurate on my credit report. Upon requesting that XXXX verify and correct my credit report, I found inaccuracies from the re-investigation relative to the XXXX  XXXX  account. The date of the Last Activity and the Date Reported is inaccurate. 

The inaccuracies reported are grounds for the removal of this account. The credit bureaus have violated my rights numerous times. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

According to 15 U.S.C 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 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: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 3rd time submitting a complaint please help me!!!! I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with experian, XXXX, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The BJs Mastercard Commenity website and phone lines have been down for over a week. The monthly automated payment did not deduct from my checking account. I can not see my balance and there is no one answering phones on several occasions this week ( there is even no option to reach them if you want to repost your card lost ). There is no way to see transactions to ensure no unauthorized transactions have been made. No time estimate is given to this supposed system maintenance and no guarantee fees will not be assessed even though there was an attempt at a payment.

Company response to consumer: Closed with explanation
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: CT

Complaint narrative:
I have two cards that were due for payment yesterday XX/XX/22 and I was not able to log into my account I attempted several times throughout the day and was not able to log into my account, this is the message it was giving me Were sorry. A technical glitch has occurred and your request can not be completed. Please try again later, which I did and still nothing. I have called several times and there is no one available to answer calls. I do not want to be charged a late fee as this is something that is out of my control. Please let me know what I can do to resolve this issue. 
Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I purchased shoes from XXXX XXXX XXXX XXXX in XXXX via online. 3 out of the 4 pairs did not fit. I went to the store to return them on XX/XX/2022. Instead of refunding my XXXXXXXX XXXX XXXX XXXX XXXX  ( which was what I purchased it on. ), it was refunded on my XXXX card. I'm not sure how that happened because I gave the cashier the packing slip. However, I did received a refund of XXXX. 
When my bill came in, I only paid for the 1 pair of shoes I kept. My XXXX bill still did not show a credit ( obviously ) so when I called, I only asked that the shoes be removed. They can see that I already received a credit and I already paid for the shoes I got. However, the company XXXX Comenity Bank ) could/would not just remove the charge. I do not want to pay for items I've already returned. One associate told me to issue a dispute. When I tried, Comenity 's site went down for " routine maintenance '' and has been down for the last week. You can not call or access the website. How is this good customer service?

Company response to consumer: Closed with 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This concerns Comenity Bank where I have two store credit cards : XXXX and XXXX. They claim theyve been redesigning their website for over over a week now. The redesign started in XX/XX/XXXX and as of writing this on XX/XX/XXXX you can not access the account at all. They have a statement on the sites that says the redesign is taking longer than anticipated etc. However, when you try to call customer service to check a/c status, make payment etc no one is answering the phone and a prerecorded message about website issues. No one seems to be saying when this going to be resolved well be hit with late fees and now many people are reporting that their accounts that were in good standing - like mine- their cars are now being declined. All were asking for is some transparency and the the truth as to what exactly the issue is.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
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: AL

Complaint narrative:
My XXXX XXXX XXXX was due XX/XX/22. I cant pay online because Comenitys site has been down for over a week now on Friday XX/XX/22 I was able to set up a payment plan in the automated system but, they still reported my payment as 30 days past due to credit reporting agencies which made my credit score drop. Im unable to reach them by phone now so they can correct this. My XXXX XXXX card payment is due today as well and they are managed by Comenity as well so that site is down too and I cant reach anyone by phone so I fear I will have the same outcome

Company response to consumer: Closed with 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: MA

Complaint narrative:
I have been attempting to contact Comenity by phone and online since Friday, XX/XX/XXXX. The websites for both credit cards I have accounts with through Comenity are down. The sites claim that upgrades are being made and glitches in the system prevent login. When attempting to call my phone, every single phone number provided by the company plays a recording stating that the offices are closed and that no available agents can assist or access account information. I am concerned that Ill be facing penalties for Late payments as I have no way of contacting the institution to submit a payment. I have attempted to contact Bread XXXX which has taken over Comenity Bank and was told that they can not assist.

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 — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Aidvantage student loan have agreed to take advantage of of my information by bating my data into an agreement of forbearance and have not proven identity of proper procedures. 

As well as cred cards information show on my my credit that i have not consented to within the recent 6 months showing on my credit report. 

automobile loan from more than 7 years ago which i no longer have showing on my report.

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: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My Comenity Ulta Rewards credit card was declined on Sunday night. I was not able to log into my account due to a glitch. It was declined again on Monday. I called but was unable to reach a representative because of the office being closed. A message about routine maintenance taking longer than usual appeared online but was not there originally. As of Tuesday morning, I still can not access my account and my card is still being declined.

Company response to consumer: Closed with 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 — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have attempted to remove inquiries from Equifax Credit profile due to fraud. These inquires are as follows : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also contacted XXXX  and they have notified all credit agenicies to delete said inquiries from my credit file for an unauthorized application. ( See letter Dated XX/XX/XXXX ) I have previously filed a report and have yet to get this matter resolved ( See attachment ) Also on XX/XX/XXXX I have another unauthorized inquiry from XXXX XXXX  that is from an unauthorized application since I have no personal business with XXXX XXXX  I wish for this inquiry also to be removed.

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: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent

Company response to consumer: Closed with explanation
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: FL

Complaint narrative:
I have tried for several days to make my payment online and the website has been down. I have also tried to reach them by phone and the phone line is not accepting calls. It states they are doing a planned system update and it is taking longer than planned. My payment is due on the XXXX of the month and I am concerned this will have a negative impact on my credit. I was never notified that the system would be down so that I could make other arrangements to make sure my payment was received prior to any system update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Chime Financial Inc
State: NM

Complaint narrative:
XX/XX/22 at XXXX am at the XXXX on XXXX XXXX XXXX XXXX XXXX, New Mexico, I gave this store {$400.00} cash to load onto my Chime Debit card!! I was loading this money in an attempt to rent a vehicle, however upon discovering that none of the local vehicle rental agencies took any kind of prepaid cards at all whatsoever my need for this card and its services for continuing to have my money on this card, was no longer!! When I went to retrieve my monet from first an atm at XXXX XXXX XXXX XXXX it was declined!! Than I attended to take XXXX from an atm at XXXX across the street still declined!! Than I thougXXXX ] ht surely I can make a purchase for 5 and get {$20.00} cash back this too was declined!! I than called Chimes customer service hotline, where the gentleman kept insisting everything was fine and asking me to reattempt to take the cash from the atm, to still no avail!! After about at least half an hour or more of this, the gentleman finally admitted that there companies entire system was being overhauled and the only way I would be able to retrieve my money would be to contact there support team!! Which he had said he did that Saturday evening as did i once again to no resolution in any way and actually no response whatsoever!! So I figured surely by Monday this support team of Chimes, that is supposed to give me my money back would be in the office since it's the work week now, however several more attempts with their customer service, more atm and purchase attempts all declined!! And I was told by 2 different people that there support team would be getting back to me by before the end of the work day and still nothing!! Please help me this company is clearly stealing people 's money every chance they get!!

Company response to consumer: Closed with explanation