vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: TX

Complaint narrative:
On Saturday morning, I went to access my bank account. However, the app told me that my account has been frozen and that I am supposed contact the security team for more information. However, no one has got back to me. It has been two days and my checking and savings accounts are still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: WA

Complaint narrative:
For many years I have been paying XXXX XXXX with automatic payments through my bank. I never had a problem until recently my payments stopped getting posted. I found out that the address the payments were being sent to for XXXX XXXX Account # XXXX ( Comenity Bank ) was no longer valid. I received a letter from Comenity Bank returning my check dated XX/XX/2022, advising that they no longer accept payments for XXXX XXXX. I updated this information with my bank ; however, after checking my bank account, I found that Comenity cashed and kept two other checks one dated XX/XX/2022 and another dated XX/XX/2022 both for {$100.00}. I contacted XXXX XXXX and confirmed that these two payments did not get credited to my XXXX account. 
I attempted to contact Comenity Bank directly to request the return of the {$200.00} ; however, each time I tried to call them, I was hung up on or cold transferred to XXXX XXXX. They were unwilling to assist. 
I just want the return of my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
this company has called me repeatedly. they will often call me multiple times an hour. between XXXX XXXX  and XXXX XXXX  alone they will call at least 7 times. They will call over the weekends and while I am at work. If they called once a day between XXXX and XXXX PM that would be fine. But they continuously harass me during my work day, during personal time, and even on holy days and holidays. i don't mind reminders, but this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Due to Covid in 2020 I lost my job and I called to arrange payments with YAMAHA MOTOR FINANCE COR and I was told that those months that I couldn't pay will be moved and added to the end of the loan. and not late payment will be reported due to the Pandemic situation. that was XXXX, XXXX and XX/XX/ 2020 account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: SC

Complaint narrative:
the Credit bureau is not complying with the rules. I sent out disputes on the XX/XX/XXXX and have not been in formed about anything. The alleged debts that are fraud on my consumer report needs to be deleted.15 USC 1602 ( I ). The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. look this person here ( Experion ) is using my identity and saying that I owe them, I need them to send me the paper work saying that this Validation is 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 explanation
Consumer complaint received 2022-05-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2022 I received email from Citi bank stating my thank you preferred card will not be renewed once it expires in XX/XX/2022, and reason is due to bankruptcy or other charge off account with citi. I do not have bankruptcy and I only see a charge off account from citi for {$200.00} from 4 years ago on my credit report. I never had a credit card with {$200.00} limit besides my very first secured card with Citi when I was young. Which doesnt make sense because I paid {$200.00} deposit in order to open that secured card. I recently opened dispute on this charge off with all 3 credit bureaus but have not yet hear any response back from Citi. Last four of the account that Citi wants to close is XXXX XXXX XXXX XXXX. I have had this card for over 7 years. I have been responsible using it, paying down the balance from over $ XXXX to {$900.00} and soon will pay this card off, for Citibank to just close my account like this due to a {$200.00} questionable charge off is ridiculous. I am trying to work on my credit, if they close this account it will have a huge impact on my score as this is one of my oldest positive trade line.

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 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 3- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 5- ( XXXX/ACCOUNT # XXXX ) Has violated my rights

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 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' " {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Compensate Me {$2000.00} in total per violation as stated in 15 USC 1681N ( 1A ).

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied for a credit card with capital one the first time I was advised that they couldnt proceed due to incorrect phone number on my fraud report so I said ok let me fix this so I fixed it with every bureau I tried to get the existing app processed I was told no they cant do that cause info is wrong on their end I said ok something needs to be done here the rep decided to run my credit again with out my auth saying the same thing which isnt correct cause it was indeed updated I even got confirmation from the credit bureau then I try to get these inquiries removed speaking to multiple managers being told no cause its my fault when in reality I was misadvised by multiple people and its their company error reason my credit been ran 3-4 times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MN

Complaint narrative:
XXXX was a company that I utilized for less than a month. Just like XXXX XXXX XXXX it was company that I purchased from in store and was lied to. The retail location had reviews from every where that pretty much everyone went through what I had. Service was continually bad in my location at the time of zip code XXXX in XXXX and continued dropped calls when my then employment was based off my cell phone and being able to utilize it properly was tarnished I cancelled and yet again attempted to return the devices. One device was certified pre owned and upon bringing it home we had discovered the employee hadnt done his job and you couldnt hear the other person on the call. And according to the terrible rep were were sold it as is and were stuck with it. We ended up cancelling a few days later when my brand new at the time XXXX as mentioned earlier couldnt keep connection to another call even in an emergency and also couldnt connect to the internet anywhere in my town without XXXX. It was done in good faith to try to return both phones and, again both were rejected. Also this happened in XXXX  and this rotten collection agency keeps reporting it as brand new debt which is illegal and harrowing and incorrect. The only thing not clearly defined in the CFPB/ XXXX rules is harassment. And this has been devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

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 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 2022-05-03 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: GA

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 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 2022-05-03 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: NC

Complaint narrative:
I have submitted FTC report and numerus letters and phone calls in attempts to remove in accurate accounts off my credit report. Experian stated that my account was properly investigated, but how so is that possible when the other bureaus investigated the same item and removed it. 
And in accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

I also address incorrect inquiries on my report that they have yet to remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
When shopping for a car you have XXXX and only get hit with one hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just one hard inquiry. i got hit twice in XXXX XXXX  XX/XX/XXXX and XXXX XXXX thats XXXX days apart that should not have hit me with hard inquiries multiple times. the companies are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When shopping for a car you have XXXX and only get hit with XXXX hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just XXXX hard inquiry. i got hit twice in XXXX month XX/XX/XXXX and XXXX XXXX thats XXXX  days apart that should not have hit me with hard inquiries multiple times. the companies are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-03 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:
In accordance with the Fair Credit Reporting act 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 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 purpose.

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 2022-05-03 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: NC

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, 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 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 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 explanation
Consumer complaint received 2022-05-03 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 TransUnion Consumer Solutions located in XXXX, PA. 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, TransUnion Consumer Solutions 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 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I have an auto loan with Audi Financial Services that I opened on XX/XX/XXXX. It's a 60 month loan, I've made XXXX payments so far, and the monthly payment is {$340.00}. The last four digits of the account is XXXX. 
The payments were setup to automatically debit my checking account at XXXX Bank every month on the 2nd day of the month. The checking account last 4 numbers was XXXX. 
On Monday XX/XX/XXXX we noticed there were some unauthorized debits to our checking account and we decided to close the account and open a new one. The new checking account ended in XXXX. 
On the same day I went onto the Audi Financial web site and cancelled the auto pay from checking acct. XXXX to avoid getting some sort of penalty for nonpayment since I knew my payment was due XX/XX/XXXX and I knew the account would be closed. I then set up a new auto pay with AudXXXX attached to my new checking account, XXXX. I was told the new auto pay would not be active for the XX/XX/XXXX payment but would kick in for the XX/XX/XXXX payment. So within the Audi website I made a one time payment from the XXXX checking for the XX/XX/XXXX payment. I have documentation attached proving all of this. 
On Monday XX/XX/XXXX a payment for {$340.00} was deducted from the old checking XXXX account, and also an additional payment of {$340.00} was deducted from the new checking XXXX account!!! The there was no money in the XXXX account so we were charged a NSF. We transferred money from our savings to the XXXX account to cover the payment. 
So apparently we made a payment for XX/XX/XXXX, and a payment for XX/XX/XXXX which was not supposed to happen. The Audi web site says my next payment is due XX/XX/XXXX. 
I'm upset because I performed my due diligence to avoid a problem and they did not do their due diligence. I didn't want to make 2 payments. 
So, thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all 3 credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the XXXX letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief