vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I spoke to XXXX in fraud department for over an hour on XX/XX/23 about the issue I was having with a dispute. He assured me that he would personally step in and help Me to resolve the issue with my Ulta credit card. He informed me that he would work with disputes and help me to fix the issue. I agreed the first step that he took was shutting down my old credit card and issuing me another one. I called several times with updates on the account and even was refunded the amount I paid on the card. As per law The investigation can last up to two billing cycles ( around 60 days ), but creditors have up to 90 days if your billing cycle is longer. When there's an error, the card issuer must correct it and credit your account for the disputed amount. This is over the amount of time. I also have a recording of XXXX saying he was working my case as dispute and not fraud. He stated that he was a manager and that he would work it. I called back and he was high aggressive in tone stating that he did not say that and that he had other accounts to resolve. I simply requested he listen to the call and he refused saying that he had other duties to attend to. I am complete shocked by this. I called XX/XX/23 Spoke to 2 different managers and told them about the issue that the amount had been removed for over 90 days they told me that there were no other options. I need to contact them by mail if I wanted to file a complaint that they could not file a complaint for me. That someone would get back to me if I wrote in. They do not have a protocol for complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : AMSHER COLLECTION SERV XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NY

Complaint narrative:
I DISPUTED THIS ACCOUNT FOR INACCURATE ACCOUNT. I GOT LETTERS SAYING THEY BEEN VERIFIED AND UPDATED BUT THE ACCOUNT IS STILL SHOWING THE SAME INACCURACIES. THEY ALSO DID NOT UPDATE THE DISPUTE STATUS ON MY CONSUMER REPORT IT SAY AND SAID ACCOUNT NOT DISPUTED. I DON'T KNOW HOW IF THEY SENT ME A LETTERS BACK AND I DISPUTED THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This Account : 1.NATIONAL CREDIT SYSTEM. This agency is in VIOLATION of 15USC 1692g. You ( NATIONAL CREDIT SYSTEMS ), were to notify me of this in WRITING 5 days prior, I was not. As the original creditor, only I can validate This debt. Therefore, the following Accounts must be deleted from my credit reports. 

FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNT, will RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST your company, for which I'll be SEEKING {$1000.00} per VIOLATION FOR : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT of IDENTITY FRAUD 3. FAIR CREDIT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS 4. FAIR CREDIT REPORTING 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 U.S.C 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE 17 INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the 17 inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX 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 2023-08-21 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: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I originally had a XXXX XXXX XXXX credit card with XXXX. XXXX quickly transferred over this card to Wells Fargo. XXXX did not give proper notice over email that automatic payments would be discontinued and the card would fall under Wells Fargo. Therefore, payments were missed for the month of XX/XX/2023, as automatic payments were discontinued without proper notice. I had paid every single month on time previously. As a result, my credit score dropped by XXXX points. As soon as I realized what had happened, I called in and paid my balance in full. I have always paid on time, but because of the poor partnership between XXXX, Wells Fargo, and their customers, a good-standing customer such as myself, who has paid on time every single month, was punished. I want the drop in credit score to be taken off my credit report, as it is not a reflection of who I am as a customer. I will be buying a house with my fiance soon and this drop in credit score has affected my ability to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
XX/XX/XXXX, XXXX social security XXXX using ( 'XXXX  ' ) app. compromised our bank checking account using XXXX to transfer {$850.00} to an unknown recipient. Reported this same day and made police report when realized I had been scammed. XXXX XXXX was name used acting as XXXX  agent. They used Phone # 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 explanation
Consumer complaint received 2023-08-21 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid the full balance of my account on XX/XX/23 prior to due date of XX/XX/23. I paid via automated kohls phone number and it stated my payment had successfully processed. My kohls account online also reflected paid. Please see attached. I received an email on XX/XX/23 from kohls stating I had a past due amount of {$29.00}. I immediately called and they stated my phone payment submitted XX/XX/23 returned on XX/XX/23 which was also the statement date however I was not notified until after the statement date and when this was reported to credit agencies nor did my kohls account reflect a past due status ( stated {$0.00} owed ). My current balance also reflects {$0.00} owed. Please see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLOBAL SOLUTION BIZ LLC.
State: CA

Complaint narrative:
I received multiple calls prior to this incident. on XX/XX/2023 at XXXX XXXX ( PT ) I received a call about an amount owed per a debt that I allegedly owe. 7 minutes later my mother received the following text message from the same number ( XXXX ) : " A claim was forwarded to my office with recommendation that a judgement & wage garnishment be filed against you for the allegations of Improper banking practices, theft by deception and attempt to defraud a financial institution. We would like to get a statement on these allegations. Please contact our offices as soon as possible. '' This same text was also sent to my cell phone as well. I am furious that a company would send this message about an alleged debt I owe to my mother or anyone that is not me directly. 

I called back and was able to verify the following information : Company name - Global Solutions ( Phone ) XXXX ( Fax ) XXXX XXXX Company address : XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX I have attached a screen shot of the exact text information I received. It has my name on it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
XXXX XXXX  LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
XXXX XXXX LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
credit acceptance will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Synovus Bank
State: GA

Complaint narrative:
Dear XXXX Staff, We at XXXX XXXX ask you for your assistance and alerting synovus to the behavior of their branch manager at their XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location. 

The branch managers repeated lying, and failure to keep her promises to their customers is absurd. 

This began a month ago now. First, she opened the account for us and sent the card to the wrong address. 

For the next two weeks we would repeat it we call the XXXX number and the local branch to have the problem fixed. She personally assured us that she would be resending the card expediated free of charge to us. Synovus should be able to pull up the recorded calls confirmijg this. 

Today I drove to that same branch, and spoke to an associate named XXXX XXXX. XXXX XXXX was kind enough to apologize for all that has happened, and told us she would be expediating a new card for us free of charge and would waive this month 's account fee since we have not been able to use the account at all due to the branch manager 's consistent mistakes. 

However, as we were literally driving into our driveway the branch manager calls us up arrogantly saying that we will have to pay for the expediated card. She even admitted without noticing that she had never sent a second card to the right address. Yet demanded we pay for the expediated shipping if we want the card now. 

Those are two clear lies she was caught in. For no other reason than her attitude problem. Her behavior is awful at synovus should be trusting their branches to people like XXXX XXXX, not disrespectful liers such as their current XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
They have called before XXXX. I have asked them to stop previously, but there is no respect for my personal time. Although my cellphone number has a GA area code, my address has always been in AZ and they should have never been confused about calling before XXXX XXXX. This is not okay. I have made arrangements to make a payment yet I am still harassed and not within appropriate hours. So hurtful to my relationship with this company

Company response to consumer: Closed with explanation