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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint is directly related to XXXX XXXX XXXX CO, XXXX XXXX, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within 48 hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

XXXX XXXX will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This complaint is directly related to XXXX XXXX XXXX CO, XXXX XXXX, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within 48 hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

XXXX XXXX will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.

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: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have two accounts one with XXXXXXXX XXXX XXXX XXXXXXXX and one with Victoria 's secret. I have been unable to check my online accounts since XX/XX/XXXX. I have tried calling on the phone and I get a message about an update and that they can not help and it disconnects me. It was only today on XX/XX/2022 that I received an email alerting me to this issue. I have called multiple help phone numbers for the two different card accounts and I get a voicemail regarding their update and that they can not help and then it disconnects. Since I have paperless statements and I can only access my accounts online I do not know what my balances are I do not know when my due dates are and I do not know my minimum payments due. This is completely unacceptable and extremely frustrating and worrisome. The fact that there is no communication from the companies holding these cards and accounts is disgusting.

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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Recently I've noticed that I have been charged {$25.00} from my checking account and {$8.00} from my saving account for a maintenance fee every month from the Bank of America. I went to the XXXX branch of the Bank of America and they informed me this has been going on for about 7 years. They said that I needed to keep a minimum of {$10000.00} in the account to avoid being charged, but I remember when I opened my account the minimum was {$1000.00} or {$2000.00}. I was not informed of the conditions changing. In these 7 years I have not received mail or paperwork informing me of these charges. I understand everything has gone paperless and became automatic transactions, and I haven't been scrutinizing and checking my account because I trust my bank. I feel as if being charged for something like this is like an indirect way of being told my account and buisness is not important to the Bank of America, and if they did not find it important I should instead be sent a letter to close my accounts instead. I don't think this is a fair way to be making money from me. XXXX branch helped a lot, but they are unable to go through the system and return my money. They suggested I call Bank of America directly but still my issue is not resolved and not a single penny of my money has been returned.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Target Card was opened under my name. I called the company and reported that it was fraud. Not sure how the have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX was opened under my name. I called the company and reported that it was fraud. Not sure how the have my information.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I ask the credit company to do a verification on my credit report. They did and stated it was accurate but I did a thorough research myself and found improper inaccuracys on the credit report even after the research.. 

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 reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I did pay synchrony bank & Walmart XXXX XXXX XXXX  company I did pay them off they keep going hit my credit score

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 2022-07-02 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: GA

Complaint narrative:
All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, 2022, I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. XXXX XXXX Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. Equifax, XXXX and not even XXXX XXXX responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Received Collection Notice from Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX XXXX on XX/XX/2022. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount : {$290.00} For XXXX and XXXX XXXX at an address in XXXX XXXX XXXX XXXX XXXX, California XXXX Note : I live in XXXX Florida and have for the last 65 years. 
Contacted CCS and was advised to contact XXXX XXXX directly. 
I explained to both companies that this was clearly a case of ID Theft. 

Contacted XXXX and they sent me a XXXX XXXX which was submitted on XX/XX/2022. I demanded proof of how and who opened the account and XXXX sent me the last billing statement XX/XX/2022. ( Not proof just the statement ). 

Submitted information to XXXX XXXXncluding ID, XXXX XXXX, ID Theft Affidavit, etc. 
XXXX responded that I needed to submit a Police Report. I responded to XXXX that I needed additional information to file a police report and I did not receive a response and have not received any further communication or information. 

Subsequently, CCS reported the " derogatory '' debt to all three major credit bureaus on XX/XX/2022. 

Neither XXXX nor XXXX XXXX has responded to repeated requests for more information. 

I have subsequently submitted a dispute with all three credit bureaus and completed ID Theft information with each one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: OH

Complaint narrative:
They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian even acknowledged in one of their replies that I was requesting to have a copy of the permissible permission used to access my credit report in XX/XX/2017. But then they stated XXXX XXXX XXXX XXXX states they are reporting accurately and nothing about sending me copy of the permissible permission.???????????? Either XXXX and Experian are XXXX  or the biggest non professional game players in America. 
Experian is wasting time and playing games sending this to COAF because COAF lies by stating they are reporting accurately and does not send copy of permissible permission used to have accessed my credit report. And Experian does not protect my personal information. Neither of these companies have any right to be on the stock exchange.

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: SC

Complaint narrative:
I ask the credit company to do a verification on my credit report. They did and stated it was accurate but I did a thorough research myself and found improper inaccuracys on the credit report even after the research.. 

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 non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
The account is a protective payee account for my son, who receives social security dependent benefits. The account was closed on XX/XX/2022 WITHOUT NOTICE, or ANY COMMUNICATION. I had been in my online banking on XX/XX/XXXX, as I was making transactions in other accounts. There was NO NOTICE on XX/XX/XXXX to indicate there was any problem, nor at ANY TIME PRIOR to the account being closed. 

I was notified by email today, XX/XX/2022 that the account had been closed. I called to remedy. I was told that once an account is closed it can not be reopened. This is a lie. I have relatives that work in banking. I was told by the banker that I was " welcome to APPLY to open another '' such account, which only adds insult to injury. this is very wrong on a variety of levels. 

I am expecting a back pay from Social Security for my son. I have no idea when the deposit will come, and could be as soon as Tuesday, XX/XX/2022. This specific account is the one Social Security uses for my son 's dependent benefits. With the account closed, the payment will be returned to Social Security, and it will be a whole other huge hassle to receive the benefit for my son. 

We reside on a the reservation of a federally recognized tribe, and are all enrolled members of federally recognized XXXX This bank has a history of discriminatory banking practices against XXXX XXXX as evidenced by several lawsuits, including the XXXX XXXXXXXX XXXX  where this bank was held accountable for discriminatory banking practices. These practices continue, including this incident. If I have to, I will file separate complaints for each and every one of them. This particular incident will cause immediate and irreparable harm.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This company Credit Collection Services is trying to collect a debt from me when I have done absolutely no business with me. I have asked them to provide my signature stating that I have entered into a contract with them.

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: TN

Complaint narrative:
I have XXXX credit cards with Commenity Bank. They are an XXXX XXXX XXXX, XXXX XXXX and a Victoria Secret credit cards. I can not make payments for the XXXX card which is due on the XXXX or Victoria Secret card which is due on the XXXX due to Commenity Banks site being down and their phone lines not working. I have called all the customer care numbers on the back of the cards yesterday, XX/XX/XXXX and was only able to get through to one of them. The problems with their online and phone system has been going on since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My complaint is about XXXX XXXX and Experian Credit Bureau. I noticed two unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove the inquires dated, XX/XX/XXXX. 2020 and XX/XX/2020 Because I did not apply for credit with XXXX XXXX. 
Please launch an investigation into XXXX XXXX inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

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