vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. 
I also have a complaint with Montgomery Ward in the same fashion... I paid/settled this account with XXXX XXXX XXXX XXXX XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... 
I also have a complaint with XXXX collection agency for a XXXX shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. 
I also have a complaint with XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX  ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX  has yet to update my credit report as such ... XXXX XXXX services have since deleted their trademark from my credit file with all 3 major bureaus but XXXX XXXX XXXX has yet to update my credit file... Thanks... 



I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX  has yet to update my credit files..Thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. 
I also have a complaint with XXXX XXXX in the same fashion... I paid/settled this account with XXXX XXXX XXXX on XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... 
I also have a complaint with Oliphant collection agency for a HQ shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. 
I also have a complaint with XXXX XXXX XXXX  for XXXX XXXX Credit Card ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX has yet to update my credit report as such ... .XXXX credit services have since deleted their trademark from my credit file with all 3 major bureaus but Bank of Missouri has yet to update my credit file... Thanks... 



I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX has yet to update my credit files..Thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
Received update on my XXXX XXXX account of outstanding debt collection of {$430.00}. 
Received mail from debt collector ( Online Services ) which included bill from XXXX XXXX. 

Account information as follows : Account Number : XXXX Customer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Invoice Number : XXXX Referral Id : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Amount Due : {$430.00}. 

I was told by XXXX XXXX that the account was no associated with any phone number, but the email was : " XXXX '' I submitted a claim for the same amount and with the same account number last XX/XX/XXXX and the debt was cleared. 

I live in XXXX XXXX and have been living here since XXXX. This debt is not mine. This is a repeated fraud incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
To who it my concern i XXXX XXXX already have three complaints in with the cfpb on XXXX call to update i did that first letter on XXXX another letter XXXX contract us need more information i did that on on XXXX XXXX another came said complaint been sent on XXXX XXXX another letter company has responded still working on it got another letter on XXXX XXXX review the companys response to my complaints call the cfpb on XXXX called transunion closed two open ageny couldn't tell or explain to the responded on XXXX i talk to XXXX at XXXX  regional office she said this should've been closed XXXX  sold it to lockheart morris and Montgomery i cal led they the reception is told her what was happening she disrespect me lockheart morris been calling every XXXX said they going take me and me today at XXXX XXXX XXXX  i senting all my documents to cfpb

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL. 

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

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

SEE ATTACHED LETTERS, PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 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:
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 non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX a full beauty brand - Comenity XXXX XXXX account number ending XXXX. 

I've spoken to this company on several occasion and have been assured all will be cleared up.It is not cleared up! 
I purchased 2 sweaters XXXXXXXX XXXX using a new community XXXXXXXX account ending in XXXX. On the same day I received the 2 sweaters, I brought them to XXXX ( as per XXXX XXXX ) to be returned since they were of an inferior quality. I then continued to be billed, eventually including fee after fee. Minimum payment request after minimum, I've spoken to them on several occasions since. 
** They have reported late payments to the credit bureaus. My credit score was close to XXXX before they began reporting these payments as late. I eventually ( XX/XX/2023 ) sent a {$5.00} payment hoping for them to stop adding to the ruination of my credit rating. 

Comenity could be fraudulent as Community is the way it is pronounced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-03 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: CT

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I spoke with National Credit Systems , Inc and setup an a 12 month going payment arrangement for repayment of my debt to XXXX XXXX XXXX  XXXX, XXXX XXXX, in the amount of XXXX that began on XX/XX/XXXX, which will be complete in XX/XX/XXXX. In spite of this they continue to send the attached letters which state that any future landlord or credit grantor should not consider this as confirmation of an on going arrangement. This seems to be a violation of my rights as a consumer who in good faith has worked out an agreement with this company, which in my perception threatens to intentionally harm my credit and prevent me from using this arrangement as a positive payment history after an agreement has been made. Also, they do not receive checks from me the only way that the representative told me that I could make payments was with a debit card and they are falsely reporting that I'm submitting checks to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good Day, Per my compliance with the XXXX Credit Bureau, I have called and sent numerous letters in regard to the matter. I checked my credit report and I see an inquiry authorized on XXXX on XX/XX/2023, however, on the XXXX website the dates are different XX/XX/2023. I asked for the hard inquiry to be removed from my credit report, I did not authorize this to be done, and to show me proof that I authorized this credit card company to run my credit.

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 2023-07-03 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:
I have repeatedly disputed this information in regards to this information is not accurate as well as ask for proper documentation under fair credit act section 623 ( 1A ) B-i ( ii ) 3 as well as section 609 ( A ) 1sec611-2A1 ( 2B and I have not gotten any solid from My request that this account has basically been open with just a electronic response in which I was not responsible for.

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 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL. 

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

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

SEE ATTACHED LETTERS, PLEASE.

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 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID so you can see my signature. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I got a credit card with Kay Jewelry store around XX/XX/XXXX, with an 18 month promotional balance for the {$3500.00} purchase. then, a few months later I purchased another item on the card. Instead of applying my payments to my promo balance, Comenity bank and kay took payment towards my balance and left me with a {$1300.00} promo balance. I was not aware that they would then charge me interest on the entire purchase if not paid off last month. I called them today as I noticed a {$1400.00} interest charge on my card. ( let 's not discuss how high the interest rate is for a {$3500.00} purchase! ) Comenity/Kay says there is nothing that can be done, despite their abusive and deceitful tactics. I called and spoke to 2 different representatives today XX/XX/XXXX and they both said they can't do anything. I asked to speak to a supervisor who states nothing can be done " because of the terms and conditions of promo. '' I can't get anyone to help. If I had known that the promotional balance needed to be paid by XX/XX/XXXX to avoid interest on the entire purchase I would have done so, but now " it is too late '' ( per Kay/Comenity Bank ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: AZ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their failure to remove fraudulent accounts from my credit report. I have been a victim of identity fraud, as evidenced by the attached police report. I discovered the fraudulent accounts Early this Year in XX/XX/2023 when I attempted to apply to purchase a home and discovered all these fraudulent accounts. I have made multiple attempts to dispute them with the credit bureaus, but they have failed to remove them. 

I believe that the credit bureaus ' inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which is designed to ensure fair and accurate reporting of consumer credit information. The FCRA mandates that credit bureaus conduct a reasonable investigation into disputed accounts and remove any information found to be inaccurate or resulting from identity theft. 

Despite my diligent efforts to dispute the fraudulent accounts directly with the credit bureaus, they have not conducted a thorough investigation nor taken appropriate action to remove the inaccurate information. This failure to act has had a significant negative impact on my creditworthiness and financial well-being. 

Attached to this complaint are the following pieces of evidence : A copy of the police report detailing the identity fraud incident. 
A comprehensive list of the fraudulent accounts still appearing on my credit report, including their account names, numbers, and dates of opening. 
Correspondence with the credit bureaus, demonstrating my previous attempts to resolve this matter without success. 
I firmly believe that my consumer rights have been violated due to the credit bureaus ' negligence and non-compliance with the FCRA. I request that the CFPB investigates this matter thoroughly and takes appropriate action against the credit bureaus to rectify the violation of my consumer rights. 

To resolve this issue, I seek the following outcomes : The immediate removal of all fraudulent accounts from my credit report. 
Correction of my credit information to reflect the accurate and untainted status of my creditworthiness. 
Any additional remedies or actions deemed necessary by the CFPB to ensure full compliance with the FCRA and protect consumers ' rights. 

I would appreciate a prompt response from the CFPB regarding the initiation of an investigation into this matter. I trust that you will take appropriate action to address this violation and help resolve my complaint. 

Thank you for your attention to this urgent 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
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2023, I responded to a letter from Capital One, stating to them that I feel that I have been discriminated against. The reason for this is because of the response I received. Capital One stated that they observed activity on a prior account which I did not have and told me it goes against their expectation. It's been over 15 years since I have done any business with Capital One Bank and feel that this goes against FCRA rules that state : The length of time that negative information can remain on your credit report is governed by the federal Fair Credit Reporting Act ( FCRA ). Most of it must be taken off after seven years. Some items, such as bankruptcy, can remain for up to 10 years, and other items, such as civil judgments or tax liens no longer are reported at all. Following are eight types of negative information that may appear on your report, with suggestions on how to lessen their damage. This is in response to application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
My account was hacked. I was told that the account had to remain open for the investigation and no money will be able to be taken out. Somehow the hackers was able to take out {$6800.00} and the account was overdrawn. Two direct deposits was made into the account for {$2500.00} and the bank is saying that because they wasnt able to get the {$6800.00} taken out of an account the told me was restricted I was being held liable.

Company response to consumer: Closed with monetary relief