vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I submitted a dispute to XXXX Bank on or about XX/XX/2022, concerning a partial refund of {$1000.00} from XXXX because the refund did not post to my account. As of today, I have contacted Comenity Bank numerous times, but I have not received a clear status update or explanation from them. They indicated that it can take up to 90 days for a dispute to get resolved and it is now well beyond 90 days. This is not the first issue I have had with Commenity Bank related to this credit card, but rather this is the 4th or 5th issue that i have had with them in 2022. Eith respect to the refund, XXXX confirmed to me in writing that the refund was successfully processed and accepted by the Commenity Bank on XX/XX/2022. XXXX provided me the following trace number for the refund transaction : XXXX. XXXX also provided with a receipt, showing the refund amount and confirming it was refunded to my XXXX 's XXXX XXXX XXXX XXXX ending in XXXX. I provided the written confirmation from XXXX, the XXXX receipt and the trace number to Comenity Bank. My card ending in XXXX was closed in XX/XX/2022 due to an unrelated fraud incident. I am extremely frustrated and annoyed that this has not been resolved in well over 90 days and by the lack of communication from Comenity Bank. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26 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: OR

Complaint narrative:
Under 15 usc 1666b ( Timing of payments ) this is a billing error for I was never late this is an error and that makes this account in violation, Also Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are to be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX 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 2022-12-26 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: NC

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-12-26 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Dealer Services, XXXX, XXXX and XXXX ( acct # XXXX ) has failed to update XXXX late payments listed on my credit reports. I was listed as 30days late XXXX XXXX XXXX, 60 days late on XX/XX/XXXX and 30 days late on XX/XX/XXXX. I was told by Wells Fargo that my auto loan was deferred from XXXX of XXXX until XXXX of XXXX. In XXXX of XXXX I resumed my normal payments and discovered in XXXX of XXXX that I was 30 days late because of interest not being paid during the deferment period. I was not informed of interest that needed to be paid during the deferment. 
I informed the rep that the CFPB investigated Wells Fargo and found that they violated consumers and was ordered to pay consumers 2 billion dollars because of unfair and deceptive acts that includes illegally repossessing consumers autos, closing accounts, charging surprise overdraft fees and other illegal activities I also informed the rep of 15USC 1666 correction of billing errors and was refused During this time of the improper credit reporting, I was denied the option to refinancing of my loan with my credit union, denied a line of credit as well as denial of an increase of my current credit cards.

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 2022-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check on XXXX. The check is from the state treasury and I know the check would clear. I received an email stating to call them to verify my account activity. I called on XXXX and was told my account was being closed. On XXXX I received an email that my account was restricted and I would receive the money in my account in 10 business days either via check or via transfer to an external account if one was linked. Its now been 13 business days and they are still holding my funds XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MA

Complaint narrative:
XX/XX/2022 Received notification that apartment leasing company had reached out to I.Q. Data International , Inc. about a supposed amount of rent still due. They have the move out date incorrect. 
Responded to that letter on XX/XX/2022 indicating that I was disputing the debt and the amount owed was incorrect. I had actually overpaid final rent bill. 
XX/XX/2022 Received letter from I.Q. Data that did not address my request for information and even though the debt was being disputed they contacted the credit bureaus dropping my credit score by XXXX points. 
I have provided them documentation that the correct move out date was XX/XX/2022. I.Q. Data will not return my call and have not provided documentation that the debt is paid, nor have they corrected this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I tried to check for any discrepancies in the Bank of America credit card account. 

The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. 

I am attaching the spread sheet that explains the discrepancy.

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 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 168 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 with out my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 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 with out my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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 non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
We received a XXXX  Vanilla Visa Prepaid debit card for our wedding on XX/XX/2022. One week later, on XX/XX/2022, the full XXXX had been emptied at a XXXX XXXX. We just noticed today that the card was empty, as it has been sitting in a drawer since our wedding and we have not made any purchases with it. Customer service at Vanilla was not helpful. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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:
15 USC 1681C ( a ) BANKRUPTCY INFOMRATION IS EXCLUDED FROM MY CREDIT FILES 15 USC 1681 C-2 PROHIBITS YOUR COMPANY TO BLOCK IDENIEIED FRAUD ACCOUNTS FROM MY CREDIT FILE PLEASE. 

Your company responded to a previous complaint that you are reinvestigating the accounts. 
you did not properly reinvestigate the account. There is no bankruptcy attached to me.

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 2022-12-26 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: KY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

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 non-monetary relief
Consumer complaint received 2022-12-26 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: KY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

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 non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have spent many hours trying to solve this problem and no XXXX at US Bank would help me re : an XXXX Acct. back in XXXX in our name : XXXX XXXX XXXX and XXXX XXXX XXXX. We have been customers of US bank for XXXX years in XXXX XXXX and we have never experienced this kind of poor customer service. XXXX Bank agents at US Bank tried to help us but then gave up. We have been given several different departments to help us but no XXXX  can figure out how to do an XXXX # XXXX corrective form to a lien that US Bank did not file properly. 

The XXXX representative XXXX has also spent many hrs. trying to help me get this problem solved. We having been working on it for the over XXXX weeks and he has faxed the request XXXX  times for a XXXX # XXXX form to be filled out by US Bank to let him know that this equity line was paid off and satisfied so he can release our escrow money of {$150000.00} that was taken out of the proceeds on the sale of our home on XXXX XXXX, XXXX. 

We need help to get USBank to fill out & file the proper form so that we can get the money back from an escrow fund that the title co. has been holding for over XXXX weeks. 

XXXX and 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 2022-12-26 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: PA

Complaint narrative:
The account in dispute is being unlawfully being reported and is being reported in violation of Section 604 ( 15 U.S.C. 1681b ).

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 2022-12-26 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: PA

Complaint narrative:
The account in dispute is being unlawfully being reported and is being reported in violation of Section 604 ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: PA

Complaint narrative:
The account in dispute is being unlawfully being reported and is being reported in violation of Section 604 ( 15 U.S.C. 1681b ).

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 2022-12-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act conversion the accounts listed violated my rights, XXXX XXXX ( # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( # XXXX ) XXXX & XXXX ( # XXXX ) XXXX XXXX XXXX XXXX  ( # XXXX ) 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 ) states a consumer reporting agency can not furnish account without written instruction 15 U.S.C 1681 Section 623 Section ( 2 ) states a person shall not furnish any information relating 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 2022-12-26 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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