vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/21 I paid the entire balance due on an XXXX store brand card. The total was {$11000.00}, much of which was a deposit for furniture that would not be delivered for months. Due to quality control and delivery problems, I canceled and returned almost all of the purchases beginning XX/XX/21. On XX/XX/21 I requested a refund for a credit of {$3700.00} to be mailed to our new address. The bank said they had to send it to our original mailing address from when we opening the card. Comenity Bank said they would issue a refund in 7-14 days. The didn't actually issue the check until 22 days later, on XX/XX/21. Because it will need to be forwarded to FL, we don't know if it was received or not. 
On XXXX we called Comenity Bank to find out the status of the new refund of {$3100.00} for items returned since XX/XX/21. The told us no refund will issue until we actually cash the first refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished 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 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A debt collection for XXXX XXXX XXXX with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and experian that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.

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 2021-12-23 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher AFFIRM INC. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of AFFIRM INC I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, XXXX and Transunion. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.

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 2021-12-23 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: MI

Complaint narrative:
Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, Equifax and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: MI

Complaint narrative:
Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as Experian, XXXX and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.

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 2021-12-23 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 — Problem with personal statement of dispute
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
By Letter dated XX/XX/XXXX, Consumer Loan Servicing Responded to my complaint to the CFPB. Consumer Loan Servicing was not factual in their response, nopr di they address the following : - There are two ( 2 ) seperate entries on my credit report. 

- The entry for XXXX Mortgage XXXX, which is clearly identified as a Conventional RE Mortgage. 

- The second entry, for Community Loan Servicing is hidden and falsely identified as Secured Individual Account. 

- Community Loan Servicing, did not legally exist until XXXX XXXX, XXXX. I have never done business with this enity, nor do I have any documentation saying that I did. 
Furthermore, XXXX Mortgage XXXX, did not change it's name until XX/XX/XXXX. 

First, How is it legally possible for a business that did not exist, until XX/XX/XXXX ; to submit an entry on my credit report dated XX/XX/XXXX. 

Second, how can a business that I have never done any business, have the legal right to make any entries on my credit report? 

I request that any entry on my credit report that has been made by Community Loan Servicing, be removed ASAP, and that only the proper information confirming my closed account with XXXX Mortgage servicing be allowed to remain! 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: HI

Complaint narrative:
I have tried to work with Acura/Honda Financial Services many times on my issue. I have called multiple times and went into the dealership multiple times as well. My issue is they informed me when I went to buy the car they do not accept third party checks ie I could not use my XXXX XXXX XXXX, but had to either finance through Acura or a local credit union they had partnered with. My credit is XXXX and XXXX offers rates at 2.9 %, while Acura 's and the local credit union 's rates fluctuate between 4.5-6.8 %. This is insane and I do not understand how they can just change the rules and say they will not accept third-party checks!? This isn't stated in their leases. Why can't we finance through more beneficial means? Why/how can they force people buying their vehicle returns to use their XXXX banks? 

THIS WAS NEVER MENTIONED DURING THE LEASE PROCESS AND THEY SAID IT WAS A NEW POLICY. How can they just make up a policy and ban other banks, with better terms, from financing these vehicles? I am still the one buying it via a loan from a bank with better terms. This is DISHONEST and Acura/Honda Financial Services should be ashamed of themselves!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
A debt collection for Phoenix Financial Services with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and XXXX  that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Fraud/scam through Wells FargoXXXX for {$1000.00} XXXX 

Received a text at XXXXXXXX XXXX on XX/XX/21 allegedly from Wells Fargo to confirm my money transfer via XXXX. I did not initiate that transfer; replied " no '' to the text. 

A phone call followed from seemingly the Wells Fargo fraud department ( number saved in my phone ). The caller explained that the money needed to be moved to a new account to avoid further XXXX transfer attempts. They had me create a new XXXX account with my name and phone number, no other information disclosed. My login information was not disclosed during the call. Then a {$1000.00} was transferred to a recipient with my name and my phone number. Turns out it was a fraud/scam - the money " has been received '', but not in my newly created XXXX account XXXX 

Wells Fargo has been contacted on XX/XX/21 to open a fraud investigation under Electronic Fund Transfer Act ( EFTA ) and Regulation E.

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 monetary relief
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my experian XXXX and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have not applied to Capital One for any financial product. 

XXXX2021 Capital One did a " hard pull '' of my credit report without my permission ; they are obstreperous and refused to take steps to provide me with evidence supporting their apparent assertion that I applied for a loan ... or something... they won't even tell me what. 

XXXX I called them at three different numbers : Call XXXX. No option to report fraud. Thinks I want " credit card ''. Then insists on a credit card number ( which I don't have ), then wants my SSN and then ( snarkily ) says " XXXX. We don't have an account on file. '' Eventually it transferred me to a real person anyway. XXXX says call XXXX. 

Call XXXX. It wants a card number as well. 

Call XXXX. It also wants my XXXX but says I have an open credit application. XXXX. Credit card application dept. How was the application made? I expect you to tell me how the application was made. ( Talks in circles. ) They insist they can record the call but I can't because " company policy ''. Will not talk further if I record the call. 

If this really is/was " fraud in progress '' then time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: FL

Complaint narrative:
I already sent few rounds of complaint to your company but you still posting this negative information on my name. Its not mine! Im sure that someone used my personal 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 2021-12-23 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: FL

Complaint narrative:
I already sent few rounds of complaint to your company but you still posting this negative information on my name. Its not mine! Im sure that someone used my personal 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 2021-12-23 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: CA

Complaint narrative:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report  and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.

Company response to consumer: Closed with explanation