vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
On XX/XX/2023, I received an email from my cable provider ( XXXX ), that my automatic payment to XXXX XXXX XXXX XXXX XXXX XXXX  ( issued by Comenity Bank, bread financial ) had failed. On XX/XX/2023, I called the XXXX XXXX XXXX XXXX XXXX  customer service number. I learned that my card was canceled due to suspicious activity, and that I would be receiving a new card with an explanation in the mail. On XX/XX/2023, I received the new card, but there was no explanation. 
Again, I called the XXXX customer service number, to ask why my card was cancelled, and also to inquire about receiving a payment for my points. I was then told that my points had been redeemed on XX/XX/2023, and that the suspicious activity involved a change of email address on my account, and that theyd make a note of the missing points ( {$23.00} ) and a supervisor would call me in 10-15 business days. 
Then, on XX/XX/2023, I received a letter from my cable provider that I was being charged a {$25.00} returned payment fee. I again called XXXX XXXX XXXX XXXX customer service and asked if they would cover my late payment fee. I got a very rude customer service representative, who told me they would not cover the fee, because the fee was on their card. Obviously, when I received the automatic payment failure notice from the cable company, I immediately paid my bill with another credit card, because it was due and I did not want to incur late charges. Unbeknownst to me, my XXXX XXXX XXXX XXXX was cancelled approximately a week earlier, and I was without their card until I received the new one approximately XXXX weeks, later. 
On XX/XX/2023, I again called XXXX XXXX XXXX XXXX customer service to inquire whether they would cover my XXXX cable {$25.00} late fee, and they said No Do banks not have cyber security insurance? I use a credit card for protection. 
In addition, I still have not heard back from a manager on the missing rewards points on this card. 

I posted on my XXXX page, and XXXX of my friends said she also had this XXXX XXXX, and she also found out it was canceled when it got declined while trying to purchase gasoline. 
It sounds as if Comenity had a widespread hacking ( theft of rewards points ) issue, and cancelled and replaced a large number of XXXX XXXX XXXX XXXX XXXX, without notifying the card holders. 
However, they are not covering cost incurred by the card holders for transactions failures due to the sudden cancellation of the cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
I am paying heights finance they are not updating my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-05-14 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Dispute Department Case Number : XXXX On XXXX, I prepaid XXXX XXXX ( " XXXX  '' ) for excess baggage fees for my flights from XXXX  for XXXX. Arriving at XXXX, I was told by XXXX that my payment to XXXX  was not on their system and I would have to double pay my baggage fees and ask XXXX  for reimbursement since XXXX  did not notify XXXX of the payment. After arriving in XXXX, I notified XXXX  who never responded outside of acknowledging my message. I contacted my cc company, Capital One ( " C1 '' ) to file a dispute and gave them the related info to my complaint. C1 placed a temp hold on my account ( {$850.00} ) and communicated with XXXX. On XXXX, I received a letter from C1 reapplying the {$850.00} and sought more info regarding the dispute as they considered the case closed. I sent C1 more info but was perplexed as to why C1 was so dismissive and harsh with their latest reply. Being a good standing customer for a number of years, I never expected this unprofessional and callous response from C1. I considered C1 as the only leverage I had in getting XXXX  to acknowledge the double payment. Now that that leverage has been erased, I have to pay the extra {$850.00} to XXXX  although I believe C1 and XXXX  did not due enough due diligence in what I would consider a smooth reconcilable case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-14 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: Freedom Mortgage Company
State: OK

Complaint narrative:
XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 
FREEDOM MORTGAGE 30 Days Late Real Estate {$17000.00} Status XXXX XXXXXX/XX/XXXX Days Late {$200.00} This company has been committing fraud against me. It began with a disagreement about charging {$15.00} when my bank was bought out by another and the auto payment did not go through. 

There are several twists and turns in the story, but XXXX account manager said they were holding a check I sent ... which was to quickly bring the account to date... it did not contain the {$15.00}. They did not cash it ... all the while struggling to get the autopay restored ( spent an hour with someone and unsuccessful ) .... so much nonsense... real malice on the part of an individual who deserves to be fired and sued for what he/she did.

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 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kovo
State: IN

Complaint narrative:
Kovo the account is closed and I keep trying to put late payments on it. We can do agree with a paid in full and cancel it, and they still trying to put life is on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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: IN

Complaint narrative:
I received notice yesterday from XXXX XXXX that they increased my XXXX because they said that Experian reported a score of XXXX to them, based on four items : Lack of recent installment loan information Ratio of balance to limit on bank revolving or other revolving accts too high Too few accounts currently paid as agreed Amount owed on revolving accounts is too high The third item is incorrect. Please see below. 

As to each item : As to the first item, I simply do not have any installment loans or other long-term debt except a HELOC with a {$20000.00} balance, so I concede that there isnt information on such loans. 
As to the second and fourth items, I am planning a two-month trip to XXXX and have charged much higher amounts to my credit cards than usual, so the ratio of amount owed at any one time may he in relation to credit limits.

BUT as to the third, I have paid everyone one of the credit cards in full each month on time and as agreed, including all the recent higher charges for my XXXX trip. I have no accounts unpaid. In fact, I pay them in full every month and have never paid a cent of interest to a credit card company. Experian telling XXXX XXXX that I have too few accounts currently paid as agreed is untrue. 
o Please note also that I have attached a screen print from Experians own website that shows that every one of my credit cards and loans shows as Never late. Despite their own records, they told XXXX XXXX that I have too few accounts paid as agreed. 

I would like to say that I did attempt to dispute this on Experians website, but the only disputes you can file online are if the information on a specific creditor is incorrect. They have no way to dispute their own errors. 

Their negligence in reporting that I have accounts unpaid as agreed is shocking.

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 2023-05-14 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: MI

Complaint narrative:
In XXXX Of 2023 I Wrote Primary Creditor Via Mail Whom TransUnion Allegedly Received This Information From. Their Response Was They Do Not Report To Any Credit Bureaus, In Which I Forward Both Letters To TransUnion Via Mail. TransUnion Refuse To Accept Documentation As Proof That They Are Falsely Reporting & Violating My FCRA Rights, & Is Damaging My Credit. TransUnion Also Cant Provide Proof That They Contacted Anyone To Verify This Alleged Account! Attached Are My Letters I Wrote & Received Also TransUnion Response

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 2023-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A debt collection company named XXXX and XXXX is reporting that I owe {$3000.00} to XXXX. However, I have no knowledge of this debt that the debt collector is claiming I owe. Florida state laws does not recognize XXXX as a licensed company and it is not authorized to conduct business in the State of Florida where I reside. Therefore this debt is invalid and should be removed from my credit report immediately.

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 2023-05-14 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: Credit Karma, LLC
State: NC

Complaint narrative:
Today, Credit Karma listed all accounts closed, and Consumer Deceased remarks on my XXXX reports. I am very much alive, and wish to know that was complete and accurate information sent to Credit Karma directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried several times to remove my Credit Freeze from Equifax. Each time I receive an error message asking me to call their customer service line. When I do, Equifax informs me they can not find a record of me, despite me having access to the MyEquifax account, being able to see my credit score on their portal, and having my freeze in place. I have been asked to send identifying information ( including my social security number ) which I have mailed and uploaded to the myEquifax website ( both about 3 months go ) and I still am unable to lift my freeze and I received no update and they are still unable to find a record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Another data breach with Equifax on XXXX XXXX, XX/XX/2023. Went to try to purchase my wife a piece of jewelry and was instantly denied due to Equifax stating I am deceased. No report or credit score to show. 

Demanding {$1000.00} per account for this flagrant violation of my credit report and accounts. 

Send an updated credit report and score once the data breach has been cleared. 

We can not trust the credit bureaus with our information. Our consumer information is being exploited and flagrant violations are continuing to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I've received letters from XXXX XXXX, Bank of America, and XXXX  XXXX  XXXX  stating I was denied a credit line, but I did not authorize this. XXXX and Bank of America were hard inquiries on my credit. I've filed an identity Theft Report. I also had a false phone number and address under my name. I had to put a freeze, and fraud alert on 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 2023-05-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX  XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A The three accounts listed above were all charged off. Although they are all charged off Experian is still listing the accounts as " past due " each month after the charged off dates.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any 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 2023-05-14 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: LA

Complaint narrative:
I've received letters from XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, and Discover financial service stating I was denied a credit line, but I did not authorize this. Discover and XXXX XXXX XXXX were hard inquiries on my credit. I've filed an identity Theft Report. I also had a false phone number and address under my name. I had to put a freeze, and fraud alert on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: URS Holding, LLC
State: UT

Complaint narrative:
Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: R.M. Galicia, Inc.
State: AL

Complaint narrative:
Debt collector never reached out or mailed any type of communication. They have appeared on my credit report and the amount is changing every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: MO

Complaint narrative:
I had a the front end of my XXXX XXXX repaired at XXXX XXXX in XXXX Mo. I had to finance those repairs. That repair shop went through XXXXXXXX XXXX XXXX XXXX. who charges 134 % annual percentage rate. Very little of the principal has been paid to date! I did try to have the company reduce said rate. As I am a XXXX vet. This annual percentage rate is predatory and makes paying this off impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX opened XX/XX/2021, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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