vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I used this card and made an on-time payment for the full balance. After making the payment I tried to use the card again but my 'available credit ' wasn't actually available. The customer agent said I had to wait 7 days after my payment before the available credit became available again. I had a pressing business purchase that I really wanted on this card because of how much it saved me and asked the agent if there was any way to make the process faster. He said to send proof of the payment clearing my bank account to the their secure messaging center and it would reach a group above him that could probably make it available sooner. So I did that and that's where the problem really started. Not only did they not make my available credit available sooner, but they didn't bother to even reply to my message. Instead, they locked my account from being used at all and didn't even tell me. After 7 days passed, then 8, then 9 I finally called them about not being able to use the card still and found out they wanted me to prove who I was before they would let me use it again. This proof involved copies of bills, license, and social security card and would take up to 30 days! I said how about a passport instead of a social security card... nope. I haven't seen my social security card in 20 years. I would have to get a new one and who knows how long that takes. Despite on-time payment, despite excellent credit rating, despite assurances by an agent, despite bank proof that my payment cleared, they nevertheless decided to treat me like a criminal. I was fed up and decided I wanted to close the account... but they wouldn't let me!!! Unreal. Worst treatment I've ever gotten from a card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: FL

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-02-20 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: MD

Complaint narrative:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since early XXXX and still waiting for a response. I will not wait 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 30 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20 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: MD

Complaint narrative:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since early XXXX and still waiting for a response. I will not wait 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 30 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
RE : Adverse Action Dear JP MORGAN CHASE BANK Account number : XXXX I, the consumer and natural person, was denied credit and my account was closed without my consent by JP MORGAN CHASE BANK After I applied for a CHASE SAPPHIRE XXXX CREDIT CARD. Adverse action against a Consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by JP MORGAN CHASE BANK due to the response I received.JP MORGAN CHASE BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore because my social security number, CHASE SAPPHIRE XXXX CREDIT CARD was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of JP MORGAN CHASE BANK. If JP MORGAN CHASE BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit I will indeed make JP MORGAN CHASE BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: FL

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: FL

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I had opened an account with XXXX XXXX to purchase a bicycle on a 0 % 12- month financing plan. That was fine until the card company owner - Comenity - ended the XXXX program ( or it was sold to Comenity ), while I still had a remaining balance ; effective XX/XX/XXXX. I have not used the card for ANY purchases since Comenity took over. My original 12-month 0 % XXXX plan lasts until this coming XXXX, XXXX. 

To date, Comenity had honored the no-interest payment plan. They did, however, charge me a {$40.00} late fee at least once when I had paid the bill/got it in the mail in what should have been plenty of time. The runaround I got from them when I tried to complain ( to a call center staffed with scripted people for whom English is not the first language/it 's XXXX ) suggested I would have had to have paid the bill the moment it arrived, their lack of grace period/suggested mail-ahead time was so extreme. 

Because of my disgust at this, I paid the entire balance off last month, a matter of about {$340.00}. 

I just got my latest statement, which shows it was paid off, but carries a {XXXX} balance. 

The date of payoff, in full/total balance, is listed as XXXX XX/XX/XXXX, on their printed statement ( see attached photos ). 

The date they charged a {XXXX} fee, listed as a " Minimum Interest Charge '' was XXXX XX/XX/XXXX. Again, printed on the statement. I have never made a single purchase that was supposed to be subject to interest- all were made under the XXXX XXXX/prior to the change to Comenity. 

I attempted contacting them again and got a ridiculous/gibberish runaround from the again non-native-speaker with a zombie script, making inane references to revolving credit statements back in XX/XX/XXXX ( when the plan was still 0 % XXXX .... ). I hung up in frustrated disgust. 

I'm now paying them their {XXXX} and am going to attempt to close the account ( wish me luck ). 

I just think Comenity Bank XXXX XXXX, Ohio/ XXXX XXXX XXXX XXXX Texas needs to be on your radar : this is the WORST 'gotcha ' behavior I have ever seen from a credit card - it's just a scam, basically, and I want out. I don't trust these people at all and have no interest in using their card or being their customer. 

It's not worth my time ( billable hours of my own ) to knock my head against the brick wall of their horrible customer service over {XXXX}, but it would be good if your watchdogs had a look at these people. I think they're in the game of bilking consumers. I'm a guy with a XXXX XXXX/not at all illiterate financially or literally, nor naive, but I really worry what these folks could do with behavior like this to people running serious balances with less fiscal knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was emailed on XX/XX/2022 by Wells Fargo Fraud Detection. The email stated that unusual activity set off their Payment Card Fraud Alert. They included a few of the transactions and I realized I did not make them. I was not able to log into my Wells Fargo account online and so I called the number provided to inform them that I did not make the transactions. They said they would open an investigation as I was now overdrawn {$2100.00}. They declined to credit me while they investigated. I was due to be paid through direct deposit the following week and they said nothing could be done and that it would work to lower the overdrawn balance. XXXX weeks later they finished their investigation and declined to credit 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 explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I received a debt collection letter from XXXX for XXXX XXXX ( not a real company ) sent to my po box mailing address from Convergent regarding a debt for {$550.00} bucks I have no association with. This is fraud and needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) 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 2022-02-20 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: GA

Complaint narrative:
Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this

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 2022-02-20 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: TX

Complaint narrative:
Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have XXXX fraud apartments on my report. ( XXXX XXXX  ) Acct # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # XXXX ( XXXX XXXX ) Acct # XXXX I have XXXX Fraud Phone/ Mobile System on my report. ( XXXX XXXX XXXX ) Acct # XXXX ( XXXX  ) Acct # XXXX I have XXXX Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to 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 explanation
Consumer complaint received 2022-02-20 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 XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-02-20 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: MD

Complaint narrative:
Based on, XXXX XXXXXXXX XXXX  XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( XXXX ) IN GENERAL Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation