vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: GA

Complaint narrative:
They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used. 
FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This involves Comenity Bank apart of XXXX XXXX. So I have XXXX credit cards by them for different stores and general use cards. I have a XXXX XXXX card ( they told consumers last minute they were discontinuing the card service on XX/XX/XXXX - so I wanted to make my final balance payment before they closed all XXXX consumer cards ) which is due on XX/XX/XXXX, then a XXXX XXXX card due XX/XX/2022 and a Comenity Credit Card due XX/XX/2022. I like to pay them a little earlier so I logged on XXXX days ago to pay all three, since that is when I receive part of my biweekly paycheck, and im told their system is down. 

I tried again at all times during the day and no lucky to my payment ( Now I am in fear like others that I will be reported for being late when Comenity doesnt give you any options to pay it by phone, by mail or online - if they state they have system issues and are closed ). Today, they taste their system is still undergoing an update, some noticed this has been going on for weeks now, people got reported late by credit bureau, I am fearful that will happen to me too, as I am trying to payment my bills on time, and I would have been on time had their site, or call centers been open. Alas, they are not. You try to log in, they have errors, everyone 's card is " XXXX '' or they cant pay their bill or cant use it in stores. You try to call in your payment, their call centers are closed and they dont know when theyll return messages and calls. It smell of fraud or huge security breach.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a credit card for BJs through Comenity Bank. My payment is due today Monday XX/XX/2022. I have spent all day trying to make a payment, but the system is down. I have reached out to them via social media with no response. I have also reached out to the phone number on the card and their customer service is closed. I found online that this has apparently been an issue for about a week. I will be challenging any late fees or interest charged to me based on the fact that there is no way to make a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Td Auto Finance XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
They sent my cousin a text message with a link to a debt will all of my information in the text. he responded stop but they keep texting all my information to family members. I am seeking out an attorney to go after that for giving out sensitive information to other people.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been trying to pay several Comenity Bank cards since Thursday. They keep telling me their system is down. I tried to call today and the message said they were closed for the day. I am worried about getting late fees for a problem that is not mine. It was for my XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, All Rewards XXXXXXXX XXXX XXXX IKEA cards. The payments are due on or around the first of XXXX. Are they having a problem or do I need to worry?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: LEXISNEXIS
State: NC

Complaint narrative:
I sent a notarized letter on XX/XX/2020 to lexis nexis with a green return slip about reporting a account on my consumer report that i did not give them permission to do. Under 15 USC 1681b- PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) ( 2 ) - in accordance with the written instructions of the consumer to whom it relates. Also under 15 USC 1681 ( a ) ( 4 ) infringed upon Consumers right to privacy. I have not received a letter back from them. I also have a letter from the court house saying then do not give 3 parties my information. Under Rule 9037 Privacy Protection For Filings Made with the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
Account : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX. 

XXXX XXXX XXXX  ACCOUNT : XXXX. 

XXXX XXXX XXXX  XXXX. 

15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

And if I did not provide any written statements, that is consider identity theft

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 2022-06-27 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

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 2022-06-27 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: MS

Complaint narrative:
I submitted a Federal Trade Commission report to each of the three credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as XXXX, XXXX, and Transunion, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and two fraudulent inquiries by XXXX  XXXX XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: MS

Complaint narrative:
I submitted a Federal Trade Commission report to each of the three credit bureaus for fraud on several accounts on my credit report. I certify that these accounts do not belong to me and the credit bureaus would not provide me with the application used to open these accounts nor any other applicable items. There are several accounts listed on my credit report that do not belong to me. I contacted the companies, as well as XXXX, Experian, and XXXX, and they were also not timely with a response. The fraudulent accounts include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and two fraudulent inquiries by XXXX  XXXX XXXX, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and Equifax and XXXX disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TX

Complaint narrative:
This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-06-27 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: TX

Complaint narrative:
This is a formal complaint against XXXX located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax Credit Information Services several times this year 2022 and most recently on XX/XX/2022 to inquire about Equifax not reporting my secured credit card and secured loan with XXXX XXXX XXXX in XXXX, TX. XXXX on XXXX XXXX XXXX. These accounts have been opened since XX/XX/2022. And Equifax refused to report these accounts on my credit report. The last Confirmation number I was given by a representative at Equifax is XXXX, and XXXX. I have mailed copies of the statements of these accounts to Equifax and have called and Equifax continues to not report my pay history and the existence of these accounts on my Credit Bureau report. Equifax is intentionally not reporting these two secured accounts on my credit report. In which is inadvertently affecting my credit score. The secured master card has a limit of {$300.00} and the secured loan has a limit of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-06-27 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
my son took his dog to the vet but i filled out the paper work cause he has trouble understanding things, they wanted to know if i wanted to fill our a credit card and i did but DID NOT TOLD THEM TO USE IT, its not my dog if it was my dog i would have paid cash, the next day i did not know it he went and picked up his dog, they told him he had to sign a papper to let her go he was not told he was signing for the card to be charged HE DID NOT HAVE MY PERMISSION or they did not call me to ok it, he did not know what he signed and they had no permission to charge it!!!! i never got a bill only found about it when i cheched my credit this only the thing on my file i always pay my bills before there due the card is syncb/care credit i have tried to talk to them but dont listen

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 2022-06-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used. 
FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX XXXX XXXX  a fraudulent account was opened in my name, at an address I've never lived at. I contacted the bank that opened the account, and they have closed the account. However, the identity thief charged {$77.00} to the account before we were able to find out about it. It was pure luck that we found it, as my husband found it during a routine check of my credit. We never received a statement obviously, because the address associated with the account was also fraudulent. 

The XXXX credit bureau recommended that we file a notice with the FTC, but the FTC directed us here.

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