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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.

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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: EQUIFAX, INC.
State: TX

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

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

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

Company 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: TX

Complaint narrative:
I've called 4 credit bureaus including the three main ( XXXX, XXXX, TransUnion and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've called 4 credit bureaus including the three main ( XXXX, Equifax, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.

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 — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Accordance with the fair credit reporting act XXXX  account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX  date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX  date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Accordance with the fair credit reporting act XXXX account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX First XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Noticed a few accounts on my credit I do not recognize

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 2022-07-02 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX

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: MD

Complaint narrative:
I logged on to my bjs perks mastercard that is serviced through comenity bank/bread financial on XX/XX/25 to check on a credit that should been issued. I could not log on and the message said the site was undergoing planned service. I tried the following day and everyday since to log on without success. The company is unavailable by phone to answer questions. My payment due date is XX/XX/XXXX and I was finally able to use the easy pay function however I have not seen that the payment was processed through my Credit Union. This is my primary card so I carry a sizable balance that I pay off in full by due date. I am concerned that my credit score will be affected and that I might be charged interest because the due date passes without my payment processing. The site remains down and the phone line has a recorded message that simply repeats the outage and that they are working on it, call back later, then it disconnects. This is a very worrisome sign. I am also concerned about my personal information being secure with a company that is this dysfunctional.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Noticed a few accounts on my credit I do not recognize

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Noticed a few accounts on my credit I do not recognize

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: CA

Complaint narrative:
XXXX XXXX issued by Comenity Bank I have been unable to access my Comenity account to make a payment for over a week through the phone app, Easy Pay or web browser. Received message that account could not be located online. Calls to the number listed on the card do not go through. Chat feature on Comenity/Bread Financial only offers generic information. 

There has been no email communication from Comenity about this outage. Social media posts from Comenity are not providing current or correct information.

Furthermore, customers have not been notified of the merger of Comenity and Bread Financial.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX please remove fraudulent unauthorized inquiry off my report or provide proof in writing wthin 30 days.

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 — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My JPMorgan Chase credit card bill was due on XX/XX/2022. 
The amount of this bill was approximately {$350.00}. 
I paid this bill on XX/XX/2022 using direct deposit XXXX XXXX out of my XXXX XXXX checking account. 
I have written Proof-of-Payment that the above amount was withdrawn out of my XXXX checking account on XX/XX/2022. 

For XXXX straight days post XX/XX/2022, JPMorgan Chase kept claiming that it did not receive any payment from me. They charged me a late fee of {$28.00} and a transaction penalty fee worth approximately {$10.00}. This error from Chase 's side damaged my XXXX credit score. 

I have voice confirmation from XXXX XXXX representatives claiming that there was a problem with the Chase 's XXXX XXXX receipt system. 

This problem is now resolved, and Chase has reimbursed the fees that it had charged me, but the damage to my credit score still persists. 

I would like to complain that Chase 's technical problem with its XXXX XXXX system caused an impactful and irreversible damage to my credit score. Why should my credit score be damaged by a mistake that I had no part in playing?

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: VA

Complaint narrative:
When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with XXXX, the seller ( XXXX ) of the product didn't credit my XXXX account, once they received the product back in their stock. I then opened a " Dispute '' with XXXX, so that they would investigate and provide a resolution. XXXX 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with XXXX. With the account in good standing I then ceased to make any further payments, until I received their resolution. XXXX 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, Experian, XXXX and XXXX. Experian 's data has the XXXX installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask XXXX to please contact Experian and remove this incorrect data from my credit report. I tried to file a dispute with Experian and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. XXXX is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to Experian in the first place!

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 misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Credit Score has dropped tremendously through ( EXPERIAN ) credit checker website. My Bills OR, AND my credit mix is excellent with all my bills are paid within the 30 days allowed? I have seen my credit score drop XXXX points within the last few months, i would like full scale investigation into this matter expeditiously.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Ive submitted multiple letters about the 90 day late notice on my report thats incorrect from XXXX XXXX. Attached is a bank statement showing I made my auto payments every month and I never missed a single payment. I appreciate ally for approving me for a auto loan and even though I went through a bankruptcy that this vehicle was included in I never misseda single car payment even after that and paid this vehicle off in full.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX please remove fraudulent unauthorized inquiry off my report or provide proof in writing wthin 30 days.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1 ) Back in XX/XX/XXXX, I was advised by a BofA Rep my Deferral would end in XXXX XXXX and to pay my usual payment again in XXXX XXXX. 
2 ) In XXXX I called BofA and spoke to several BofA Reps including a XXXX and his manager, they indicated the Deferral ended at the end of XXXX XXXX and that my XXXX payment that I paid ( because of what the BofA Rep told me to do in XXXX ) would be applied to XXXX XXXX and to not pay again until XXXX XXXX XXXX ) I have paid all payments as asked to by BofA Reps and XXXX, however BofA continues to be misguided from systematic failures internally with systems that are not communicating with one another and despite this having A LOT of documentation and every " live '' BofA Rep I speak with apologizes and says they will escalate it ... IT STILL IS not FIXED. 
4 ) BofA tarnished my XXXX and also has had collateral damage to my borrowing power as nearly ALL CC companies reduced my credit limits due to these derogatory remarks which frankly ARE NOT true and are highly damaging 5 ) Received a very threading letter from BofA titled " Notice of Intent to Accelerate '' by XX/XX/XXXX however in my last conversation with a BofA Rep XXXX XXXX on XXXX she said after reviewing all the notes, she apologized on behalf of BofA and said she would escalate this and also the BofA Investigator XXXX XXXX said she would determine what next steps could be since I had no choice but to elevate these BofA mistakes to the CFPB XXXX 6 ) PLEASE get back to me ASAP to resolve, and correct mistakes and move on, thank you so much.

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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
Comenity Bank notified me they were closing ALL accounts under the XXXX XXXX XXXX XXXX, effective XX/XX/2022. The notification advised customers could redeem accumulated points for statement credit, gift cards, etc. They then took their website down. I check it every couple days for the last 2-3 weeks. It is still down as of today, XXXX. Their Customer Service number only has a recording to call back later. There is no way to contact them, and I have substantial points to redeem.

Company response to consumer: Closed with explanation