vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: FL

Complaint narrative:
On XX/XX/XXXX I had the electronic bill pay department at XXXX XXXXXXXX XXXX transfer 2 amounts to payoff the amount due in full on a XXXX 'XXXX XXXX  XXXX issued by Comenity Capital Bank. These two checks, in the amounts of {$1400.00} and {$81.00} cleared the banks on XX/XX/XXXX. The payment due date was XX/XX/XXXX. Comenity Capital Bank has not credited my account to date for these amounts even though, XXXX XXXX has provided them with proof of payment made and received and I've provided them with copies of the statements showing the amounts debited from my checking accounts. 

XXXX XXXX also arbitrarily changed or altered my account number for the two months when the company claims to have lost or never received my payment. 

I have, on a weekly basis tried to resolve this matter since XX/XX/XXXX. Additionally, I've been on XXXX conference calls between XXXX XXXXXXXX XXXX  and Comenity Capital Bank to try and correct this accounting error but to date, Comenity Capital Bank who has received proof of payment in writing from XXXX XXXX refuses to credit my credit card account for the total amount paid of {$1400.00}. This, is resulting in interest charges being applied to my account by Comenity Capital Bank. Comenity Capital Bank is making no effort to communicate or to resolve this error in accounting on their side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I FOUND ON MY CREDIT REPORT NUMEROUS INACCURATE INFORMATION THTA LEGALLY SHOULD BE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I FOUND ON MY CREDIT REPORT NUMEROUS INACCURATE INFORMATION THTA LEGALLY SHOULD BE REMOVED FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
{$390.00} I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged charge off information. XXXX XXXX XXXX has never proved this debt belong to me legally.

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 2023-01-02 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: NC

Complaint narrative:
{$390.00} I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged charge off information. XXXX XXXX XXXX  has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX I spoke to a XXXX  ( internet, tv, phone provider, my acct # XXXX ) rep to close account and update forwarding address. I was told account was closed, the last payment of {$58.00} was paid in full, confirmed also with automated phone system. The necessary final steps : I was to mail back modem box and all transactions were complete. I was given confirmation # XXXX, no further action from me needed to be taken. 

XX/XX/XXXX I received email from XXXX XXXX stating my credit score changed per XXXX report, dropping XXXX XXXX due to negative action. I had been reported to the credit bureau for an account that was unpaid and in collections, the original creditor was XXXX. 

XX/XX/XXXX submitted request for my free credit report from the 3 credit bureaus through the government 's website. I found 2 of the 3 reports had a negative report from a collections account. 

XX/XX/XXXX contacted XXXX  requesting information as to why I was in collections. I was given explanation to a past due amount of {$94.00} accrued when auto draft was not received due to a stolen debit card. I explained I was told there was no balance on XX/XX/XXXX and I explained I provided a forwarding address and was not notified of an owed balance OR warned of collection threat. I am willing to pay money I owe and offered to pay. It was explained they could not take money as my debt had been passed to a collection agency. I was given XXXX, an automated revolving system with no assistance available. XXXX  would not provide a name of the collections agency, only a number. 

I went through my monthly accounting and filed bills and statements for any confirmation. I then went through my junk mail from the month of XXXX. I found a letter from Eastern Account System of Connecticut , Inc . Upon opening the letter XX/XX/XXXX, I found I was sent to collections by XXXX  on XX/XX/XXXX and had until XX/XX/XXXX to dispute or pay the amount. XXXX  did not make any attempts to the forwarding address and only 1 attempt by the collection agency, a company I had never heard of. 

Due to the federal holiday, I was unable to speak to any representatives. I logged into EasternAccount.com and paid the amount owed. 

I am filing this complaint against both XXXX  and Eastern Account System of Connecticut, INC as this is an issue of not being properly warned resulting in rash and unneccesary actions taken by 2 companies without regard to the affect it would have. I was not given proper notice I owed money to XXXX  or given the opportunity to make any required payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: LEXISNEXIS
State: FL

Complaint narrative:
I was at an auto dealer and the dealer was interested in my credit reports. I unlocked my XXXX and XXXX reports ( as requested ). Instead of using these reports which showed my credit score in the XXXX 's, they requested funding from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bank got a credit report from a company called XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The score given by XXXX XXXX was XXXX. The reasons given for this ( low ) SCORE were the following ; Limited history for consumer at this phone. I have had this phone number since XXXX. 
Length of residence short. I have lived here witha mortgage since XXXX. 
Too few active accounts, actually more accounts ( all in good standing ) than I have space for here. 
Limited credit history. I'm XXXX y/o. started paying into SS at age XXXX. My question : How can this company ( now associated with XXXX ) Give an important credit score without doing their homework? Basically they are lying to XXXXXXXX XXXX by misrepresenting my credit history. Did they check with XXXX of the XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: FL

Complaint narrative:
I person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: MI

Complaint narrative:
In XXXX of 2020 Equifax gas a credit breach and my information was compromised resulting in unwanted charges as also credit inquiries. My email address has been compromised as well as my back account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I sent a letter to Experian and XXXX asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXXXXXX XXXX XXXX XXXXXXXX or XXXX XXXX. I sent a letter to both the XXXX XXXX XXXX and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from Experian or XXXX. According to the FCRA all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from EXPERIAN AND XXXX reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of XXXX, inaccurate public information on my credit report. I was incarcerated the time this XXXX information was attached to my name. I have sent proof to both Experian and XXXX showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX XXXXXXXX # XXXX showing on Experian is not accurate and needs to be REMOVED asap for accuracy. XXXX XXXXXXXX # XXXX on XXXX is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.

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 2023-01-02 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I used my PayPal XXXX credit card to purchase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those items were never received. On XX/XX/XXXX I opened a dispute with PayPal, which they refuse to refund and closed without resolution on XX/XX/XXXX. I am reporting fraud, in that the system will not allow me to escalate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I.m dispute the credit reported because of mishandling my credit scores and i.m very unhappy with the system think that they misusing my Credit score. I have complaints against the 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 2023-01-02 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:
I recently ( XX/XX/XXXX ) submitted a dispute to Equifax about an account reporting inaccurately. Equifax responded to the dispute on XX/XX/XXXX, stating the information was verified with the original creditor, and referred me to the original creditor. 

I reached out to the original creditor, XXXX XXXX XXXX XXXX After speaking with the creditor, I was informed they were reporting the correct information that the first date of deliquency is XX/XX/XXXX. I explained to them that Equifax is reporting the first date of delinquency as XX/XX/XXXX. The agent also stated they have not made any updates to the reporting since XX/XX/XXXX when I settled and paid the account off. She stated they would do an internal investigation, then respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX showing on my report and In accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

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 2023-01-02 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: NY

Complaint narrative:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : 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

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 2023-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, husband ( XXXX XXXX XXXX, XXXX ) died in XX/XX/2022. The vehicle/loan is in my deceased husband 's name. I have contacted Nissan Acceptance Corporation, LLC advising them of his death and provided them with the death certificate. I have continued making the monthly payments. I have been calling customer service to see what the process is of getting the loan changed over in my name. I was asked to fill out an application and fax them over to them, which I have done several times and I also mailed it in, as of today the issue has not been resolved and the vehicle will be paid off in approximately 12 months. 

I need help with getting the title changed over so that I can ensure there will be no issues in the future in the event I need or want to sell the vehicle. 

Thank you, XXXX XXXX XXXX XXXX ( home number )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 Account # XXXXXXXX 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 XXXX 

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 2023-01-02 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: CRED Technologies dba cred.ai
State: CA

Complaint narrative:
On or about XX/XX/2022 I submitted three disputes in the amounts of {$200.00}, {$190.00}, and {$170.00} and change. After giving Cred.ai the allotted time frame of 10 days as stated in their terms and conditions regarding disputes I decided to call their Customer Support number as advised. They call this their " 24 hr emergency support line '' which is nothing of the sort, this hotline is simply 3rd party agents hired by Cred.ai taking your concerns and fwrding it to a dedicated team, which as a customer you have no real access to. These agents also state that they have no access to real account info as Cred.ai has limited their access to any account info which is a lie, as Ive called numerous of times and gotten info regarding my disputes, for example on XX/XX/XXXX I called in to ask about provisional credit expected and well over due. Agent stated that I would receive it the following day XX/XX/XXXX after XXXX XXXX which another rep confirmed on another occasion I called in after the credit never reached my available to spend. Following the 10days Ive been calling almost everyday for updates requesting call backs emails, something to keep me in the loop. No call backs emails pertaining to my request have been addressed. With out exaggeration Ive requested more than 20 follow ups. Fast Fwrd to XX/XX/XXXX I receive a denial email of 2 out 3 claims, which I believe Cred.ai had no real interest in properply assisting in the recovery of my funds. After receiving their denial email I immediately respond requesting to file an appeal as I did not and still do not agree with the outcome and the handling of my claim, additionally I request, to this day, 6 times for their supporting documents pertaining to their investigation as per their request they asked me to provide additional info to assist in the appeal. I find this difficult as I can not review or compare any info they might already have, more importantly the intake of my dispute. I feel Cred.ai has not been compliant wit Reg E or Z. It is to my understanding that that weather the outcome of my claim is in my favor or not Cred.ai must pay {$50.00} per claim in which the processes outline for Reg E and Z and as stated in their terms and conditions further more Cred.ai has been negligent in responding in timely manner or just responding in general as mentioned above I have requested supporting documents of their investigation and they have declined to provide me with as per their actions. Cred.ai should not be allowed to be in finance with such unethical behavior and should be healed to such standards such as others Im the financial industry. They should not be expect from following proper protocol and procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: PA

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. 

Account name : 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 XXXXXXXX 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 an 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 XXXXXXXX XXXX 

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 2023-01-02 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: NY

Complaint narrative:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them. 

In accordance with the XXXX XXXX XXXX, these companies have violated my rights. 

Listed below are the companies and the date of inquiry : 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

Company response to consumer: Closed with explanation