vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: The Bureaus, Inc.
State: PA

Complaint narrative:
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This problem is with the credit card for the store XXXX  with comenity bank. In XX/XX/2022 I made my last payment for the amount that I owed which was {$100.00}. In this charge was including a late fee for the previous month. The payment was supposed to be made on XX/XX/XXXX ( because of inconsistencies with the bank and changes that they made, and I was never told, in which they told me that the payment was supposed to be made before XXXX and then XXXX and now XXXX ) The payment went through on the XXXX, and I was charged another late fee. For reasons that I was never told and because I never authorized as paperless statement, I never received a bill or email where I was told I had a debt with them. A couple of days I started to receive calls from the bank where when I responded, they hung up until I got through and they told me I owed them {$160.00}. All of this debt is because of late fees and interest. I called to try and solve this problem because I can not pay that total of late fees because of my economic situation. I would be ok with paying XXXX month 's worth of late fees, which I believe I should not have to pay since I already payed it when I payed the original debt. But I tried to come to an agreement with them, but they did not agree to that, which I believe is wrong because I believe that they are taking advantage of me because of my situation. From my understanding, late fees are only charged once and then interest fees are charged, not every month a late fee. I have reached out to you guys because I have already had problems with this bank because of extra charges and they are very difficult to come to an agreement with. I have reached out to you guys to see if we can come to an agreement as I am tired of paying late fees and interest because of irregularities with them. Thank you and have a great day!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I filed bankruptcy on XX/XX/12 and the company continues to call and harass me. Ive told them Ive filed and my attorney said they should call them if they have issues they keep calling me and leaving messages and call my work phone as well. My attorney says they are in violation. I tried to contact their corporate but cant get anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NY

Complaint narrative:
I sent letters out with two different credit agencies. XXXX XXXX Equifax. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NY

Complaint narrative:
I sent letters out with two different credit agencies. XXXX Experian XXXX. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are my accounts, Someone opens fraudulent accounts in my name I want you to please remove them.

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 2022-10-05 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: FL

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 date XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX CARD-Inquiry date XX/XX/XXXXXXXX XXXX BANK-Inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX  XXXX NA-Inquiry date XXXX XXXX ) XXXX RESIDENTIAL-Inquiry date XX/XX/XXXX XXXX CO XXXX CARD - Inquiry XX/XX/XXXX XXXX- Inquiry date XX/XX/XXXX FXXXX XXXX - INQUIRY DATE XX/XX/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 2022-10-05 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: NJ

Complaint narrative:
I was recently was a victim of identity theft, so I got a copy of my Transunion XXXX, and there were so many things wrong on it. I started with the different, spelling of names, addresses and phone numbers. Then I moved on to inquires. However, TransUnion sent me a letter stating that I need to contract companies to get the Unknown inquires removed. 
I think that If TransUnion is going to sell or give away information on me that their files should be correct, and that they have the obligation to make sure the information that they provide is correct, after al they are the ones making the profit off my 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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Hello, I am a XXXX XXXX XXXX women with a permanent XXXX. I opened a checking account with Union Bank in XXXX XXXX, XXXX. in XX/XX/XXXX. I had my XXXX direct deposit going to this checking account, & I never had any problem until In XX/XX/XXXX, my balance was around {$31000.00}. I wrote some checks for total of {$26000.00}, ( which include XXXX check for {$14000.00} to my XXXX XXXX ). If Union Bank paid all my checks, my remaining balance would be {$5700.00} plus my direct deposit of {$1700.00} which gets deposited on XXXX of each month. That would make my balance {$7400.00}. On XX/XX/XXXX, Union Bank paid XXXX total of {$7000.00} and on XX/XX/XXXX paid again to XXXX {$10000.00} which I have no idea who this is or I don't know how they got my information or my account number. When I was checking my account balance to see if my direct deposit was in my account, I noticed there was a negative balance of {$13000.00}. I was shocked and panicked, and quickly rushed to the bank to resolve the issue. The Union Bank Manager stated that I authorized XXXX to approve the charges, but when I explained the situation to the teller of the bank as well as the manager, they both said I do not believe you and was very rude. The manager said too bad and that we already pay them, and that I owe them {$11000.00} since the bank took my direct deposit of that month, otherwise it would be {$13000.00}, because of that {$14000.00} check to my insurance, bank made my account negative & closed my account and send me to collection. 

Please help me retrieve my money back from the bank, since the bank paid over {$17000.00} to XXXX without even verifying with me. They didnt check to see history of my checking account that I have never paid anything to XXXX in the past. They did not even bother to call me to verify the transaction. In reality, I feel like they assisted XXXX to rob me because they did not do their due diligence. I trusted the bank since I have been a long time customer with them with no issues. 
They dont understand that was my life saving and working very hard to save this. And I cant live my life like this with bad credit and no money after all my life working hard. Please see attached statements and help me to recover this. 
Thank you

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 2022-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2022 capital one pulled my credit without knowledge and or approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: FL

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. 

Here are TransUnion Inquiries that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove XXXX  XXXX inquiry reporting fraud as well .

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Upon making a minor change to a soft inquiry, I was supposed to be mailed a new credit report. 

I received TWO credit reports from Equifax, for two other people - one in NJ and the other in GA. I didn't receive mine. 

1. Calling Equifax, I asked to investigate where my credit report has been mailed to. They totally failed to provide information about this. I was told by XXXX XXXX that Equifax can't investigate this- Why- It appears that Equifax has breach MY credit file along with the two wrong ones they sent me at my XXXX  address. Does my address appear on the two wrong credit files breached from now on. - No answers from Equifax. Can I trust Equifax to mail me a new report? Will they breach me again along with other person ( s )?

2. Asked on what to do with the wrong reports- one agent XXXX XXXX said to mail them back and they will mail me a check for the {$50.00} to cover mailing cost. How can I trust them to do this as they would not give me a direct person and address at Equifax to mail them back XXXX. ( I live in XXXX XXXX ). 

3. Agent XXXX told me to destroy them. - Could I be subject to investigation for their credit ID theft if the two people filed police reports? I'm sure Equifax will cooperate with the police in this matter. Can law enforcement tell me where my credit report was mailed to? Will the XXXX  police come knocking at my door? 

4. Equifax would not tell me where they are going with the breached files? I did tell Equifax the confirmation numbers of the breached files. It seemed they didn't believe me or didn't care. I called XXXX, CO Police Dept. ( XXXX XXXX ) hoping they had answers. They didn't help much. 

5. I hope someone in law enforcement can help with this problem. I will give full details of the breached files to law enforcement. Please call me anytime day or night. I'm sure that the two people who Equifax mailed me would be relieved and I need help to find out about my mailed credit report sent to whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX Syncblowes pulled my credit without my knowledge and or permission

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 2022-10-05 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: TX

Complaint narrative:
In Accordance to the Fair Credit Reporting act everything has to be 100 % Accurate In my credit act Accounts XXXX XXXXXXXX AUTO FINANCE XXXX, XXXX BANK Account # XXXX The Credit bureau stated that my account was investigated accurately but how is this possible when the Date opened is inaccurate, the date last active is inaccurate, and The date last reported is inaccurate. This is grounds for removal they also 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more than 30 days to complete my investigation My certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
In Accordance to the Fair Credit Reporting act everything has to be 100 % Accurate In my credit act Accounts XXXX XXXXXXXX AUTO FINANCE XXXX, XXXX BANK Account # XXXX The Credit bureau stated that my account was investigated accurately but how is this possible when the Date opened is inaccurate, the date last active is inaccurate, and The date last reported is inaccurate. This is grounds for removal they also 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureau took more than 30 days to complete my investigation My certified mail tracking # 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from XXXX XXXX, Experian or XXXX. I called Experian and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to XXXX or XXXX XXXX but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, 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 2022-10-05 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: CT

Complaint narrative:
It has come to my attention that on my Experian credit report there has been several ( four ) unauthorized inquiries in XX/XX/2022. This was extremely unsettling since during this same month two of my accounts were compromised as well. The following are the events that transpired : 1. I went on vacation on XX/XX/XXXX thru the XXXX, traveled back on the XXXX. 
XXXX. On XX/XX/XXXX there was an unauthorized XXXX XXXX inquiry on my credit report. 
XXXX. On XX/XX/XXXX, my XXXX account was hacked with several unauthorized transactions, where as I was forced to freeze the account, change passwords and was reissued a new XXXX card. 
XXXX. On XX/XX/XXXX thru the XXXX, my XXXX XXXX XXXX was hacked with several unauthorized transactions, where I once again was forced to freeze the account, change passwords and was reissued a new XXXX  XXXX card. 
XXXX. On XX/XX/XXXX, there were more unauthorized inquiries from XXXX XXXX again, XXXX and a XXXX. 
XXXX. Due to the nonstop inquiries, I was forced to lock my Experian account immediately so no more inquiries will bombard my credit report. 
XXXX. After XX/XX/XXXX, I noticed the lock on my mailbox was broken, making my mail easily accessible to anyone. Therefore, due to the compromise, I had mailbox lock replaced and reinforced. 
XXXX. On XX/XX/XXXX, there was an unauthorized attempt to open a checking account with a XXXX XXXX. Thankfully, due to the lock on my Experian credit report the company could not process the application. 

I was advised by XXXX and XXXX XXXX that my cards where most likely compromised while on vacation since all these events that compromised my financial accounts and credit report happened immediately after my vacation. 

It is suspected that the hackers who compromised my accounts are the same who tried steal my identity to open new accounts in my name and broke my mailbox lock. They were hoping to steal my identity, get new credit cards, take them from my mailbox and use the credit cards while I would be stuck with the charges! 

Obviously, someone is monitoring my financials so now I have to be extremely careful with the security of my accounts going forward.

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