vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I recently opened an account with BJ 's Mastercard through Comenity bank around XXXX. The first bill that came in a paid along with setting up my account for auto-pay. Then between XXXX and the beginning of XXXX they were having some technical issues with online transactions. On XX/XX/XXXX I checked my account because I feared that my auto-pay wasnt going to be processed and when I looked at my account it appeared that my banking information was not listed nor were there any pending payments being processed. So i panicked and went ahead and made a payment. A week later i check my account online and it shows 2 payments being processed, with one payment being returned ( rightfully so since the 1st one had gone through ). Then on XX/XX/XXXX i try to use my card at Bjs gas station and its telling me that its declined. WHen i contact Comenity Im told that my account is suspended for 90days due to a return payment. WHen i explain to them what transpired, which only happened due to their system issues I am told that there is nothing else that can be done. 

For a company who's supposed to cater to their customers they failed. Ive NEVER experienced anything like this in my life before. Absolutely distasteful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On or around XX/XX/2019, Midland credit agency brought an unverified debt from XXXX XXXX. This debt was not verified with the consumer. Please provide documentations that supports why you believe the consumer is responsible for the debt, and why you believe the consumer owe this specific amount. I would like to see proof of your five days of the verified " post dated letter '' letter to the consumer in question, proof of debt, with the '' XXXX XXXX Ink Signature '' and " Court '' proof. XXXX U.S.C 1692 ( F ) section 808 Validation of debts, 15 U.S.C 1692 ( e ) section 807 false or misleading representations. I DEMAND this account ( MCMXXXX  ) be deleted immediately or I will file for litigation due to the stress you caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/XXXX, we paid {$610.00} for a sailboat charter with XXXX of XXXX XXXX that we were taking during a trip in XXXX of XXXX in Florida. That trip never happened due to COVID. At the time, the company said they were really struggling due to all the cancelations and gave us a voucher to come back again. We were hopeful that we could make it, but when it became obvious that we simply would not make it back to Florida, and that we really needed that money back, I emailed the company to ask for a refund. The owner emailed me back and said " I will get with XXXX and see what we can work out. '' This was the last I heard from him. He did not reply to any emails through XXXX, regular email, and never answered the phone when I called. 

I filed a dispute with Discover on XX/XX/XXXX. They reversed the charge while they investigated. On XX/XX/XXXX, they closed my case and did not honor the dispute. I recieved an email saying : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

When I called to ask why they did not find in favor of me, they said the company did not respond to their request for documents and for their side of the case. They did not answer any calls or respond in any way. It seems that a company simply just has to not respond and Discover will find in their favor. I have been a Discover customer since XXXX over 20 years. There was no consideration for me at all, they just said that since the company did not respond, they can not find in my favor. I understand it needs to be a process, but this does not seem fair. I am the owner of a small business and sometimes we get credit card disputes, but we always have to respond. There needs to be some protection for the consumer and the business. 


Please see attached numerous emails sent to XXXXXXXX XXXX XXXX  XXXX with no response. I know they are still operating as I can see this on XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C 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 explanation
Consumer complaint received 2022-07-25 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: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have violated my rights : 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.

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 2022-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
on XX/XX/XXXX I applied for a small loan with River Valley loans they approved me for {$680.00}. Doing the process they never mention the interest rate I didn't find out about the interest rate until I log on to my account and reviewed my loan documents. The annual percentage rate is 690.15 % with XXXX payments of {$91.00}. I was going to pay the loan off within a month but it seem impossible because I was still owe them money being that most of my payments would go towards interest. I called them XX/XX/XXXX to see could they do a calculation of how much over should I pay a week to get the loan paid off quicker the company act like they didn't understand what I was saying. So I explained to them if I were to pay the {$680.00} next week how much would I still owe you all with the interest rate. They lady who I spoke to over the phone said I would still owe them {$700.00} which is ridiculous. On XX/XX/XXXX my loan went from {$680.00} to {$690.00} then on the XXXX it has went up to {$730.00}. I made another phone call XX/XX/XXXX to see if I could lower my interest rate she said they will give me a follow up on the XXXX about lowering my payments. My problem is the interest rate is to high for a small loan amount and I wouldn't get the loan payed off quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-07-25 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: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX Account Number : XXXX 30 days late onXX/XX/XXXX 60 day in XX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 90 days late in XX/XX/XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this 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 2022-07-25 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: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1XXXX XXXX XXXX Account Number : XXXX 30 days late on XX/XX/XXXX, 60 day inXX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, 60 days in XX/XX/XXXXXX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

3. DPT EDXXXX Account Number : XXXX 90 days late inXX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this 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 explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
When transferring money from my checking account ( XXXX ) to Venmo using their mobile app, Venmo had given me an error and said the bank information was not available. When I tried again on my computer a few hours later, I was able to use my checkings account to send/receive money, but then my account became Suspended due to " Your activity is in violation of the Venmo Content Standard. '' Now I am unable to transfer the money from the Venmo balance to my bank, leaving the money stuck in a frozen account. 
I've spoken to their customer support and escalation teams, but they are not providing me a reason for my account being frozen, nor are they providing any resolutions for me. 

Checking online for help, I saw that Venmo doesn't unfreeze some of these accounts until 6-18 months later. However, I do not want that money to be stuck inside the account just because of their system not working properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 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: FL

Complaint narrative:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate and ate last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} Inquiry XXXX  XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violates my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information. Any others adverse item of information, other than records of convictions of crimes which antedates the report by more of the seven years.

15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 non-monetary relief
Consumer complaint received 2022-07-25 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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 explanation
Consumer complaint received 2022-07-25 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them toinvestigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation