vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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: CA

Complaint narrative:
all three credit bureaus are ignoring my disputes

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
all three credit bureaus are ignoring my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: FL

Complaint narrative:
Unable to access account to pay balance! Can not reach card issuer through customer service number at any time of day! No communication from Comenity Capital Bank at all! My major concern is being charged late fees because I can not pay my bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: CA

Complaint narrative:
all three credit bureaus are ignoring my disputes

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have XXXX credit cards through Comenity bank, one from Ulta and one from XXXX. Their website has been undergoing routine maintenance for almost 5 days now. Making it impossible to pay bills or do anything whatsoever with their cards. Their phone lines are also down. If my payment ends up being late, I do not want to be penalized or have my credit score negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: FL

Complaint narrative:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. 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.

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-06-28 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: Informative Research
State: AL

Complaint narrative:
Every time I try to delete hard inquiries on my XXXX report they come back the next few hours and say that the inquiries will remain on my credit report, they are not investigating the inquiries. The inquiries that I did not approve. I never approved of these inquiries. On my credit reports, there is a block/freeze on all three reports. These companies manage to get into my credit report without my prior approval. I was never contacted by either of these companies to check my credit. This is identity theft. XXXX and XXXX notified me of the dark web that shows all of my information out there. Even some of my children 's information is out there alone with mine. Most information out there is false and I did not give these companies my approval to check my credit. I am a victim of identity theft. My name is out there on the dark web and my social security number but some of the addresses are different and some other information out there is incorrect. Most importantly my name and birthday are out there and that's the main source. I did not give these companies my permission to check my credit. My credit has a block/freeze on them and no one contacted me to open up my credit files, they just went in and check my credit without prior approval from me. this is identity theft. I never gave them permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Consolidated Information Services Solutions, LLC
State: AL

Complaint narrative:
Every time I try to delete hard inquiries on my XXXX report they come back the next few hours and say that the inquiries will remain on my credit report, they are not investigating the inquiries. The inquiries that I did not approve. I never approved of these inquiries. On my credit reports, there is a block/freeze on all three reports. These companies manage to get into my credit report without my prior approval. I was never contacted by either of these companies to check my credit. This is identity theft. XXXX and XXXX notified me of the dark web that shows all of my information out there. Even some of my children 's information is out there alone with mine. Most information out there is false and I did not give these companies my approval to check my credit. I am a victim of identity theft. My name is out there on the dark web and my social security number but some of the addresses are different and some other information out there is incorrect. Most importantly my name and birthday are out there and that's the main source. I did not give these companies my permission to check my credit. My credit has a block/freeze on them and no one contacted me to open up my credit files, they just went in and check my credit without prior approval from me. this is identity theft. I never gave them permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a Safe box account with Suntrust Bank. It's located at XXXX XXXX XXXX, XXXX, MD XXXX XXXX. Now it's new bank name is TRUIST. 
I opened the safe box account year XXXX XXXX and close year XXXX XXXX. 
To close Safe Box account, I emptied the box, returned the keys, filled out the paperwork. 
I had to return two keys, but I couldn't find extra spare key, so I paid an extra $ XXXXThey said they have to change all the keys. 
Recently another branch bank manager says there is still a safe box account and is paying expenses ever year {$55.00} from my checking account. I've been charged the wrong cost for XXXX years ( Total {$660.00} ). From my Bank account number XXXX under name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same day I went to the XXXX Branch to solve the problem. I asked them to show me ledger of safe box. They said they don't have any. 
A Banker in the branch said she would take of it and let me know later. Nothing happened so I visited the branch again. She didn't make any action. 
So I talked with another banker. He recognized an error and he said he will report complaint to the head office. I asked he to show me the complain report detail and filing case number. He said he couldn't provide it to me because it's an internal control information. He said that the staff at the head office will contact me but nobody contacted me. 
This time I talked with the Branch manager. I asked a case number again. Same answer. 
finally We opened the safe box with a bank engineer to make sure there is nothing is in the box. It was empty. He suggested He would pay in maximum for the past 3 years expenses ( {$160.00} total ) Why? 
Please give me a contact if you need more details. 

My phone number 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 monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was invited to apply for an American Express XXXX XXXX XXXX by mail. I contacted a representative to explain my financial history. I did suffer through the financial meltdown in XXXX. Now that 10 years have passed, I've been able to manage reasonably good credit so my chances of getting approved for an AMEX card seemed to be good. The representative said the only way to know is to apply. I applied for the American Express XXXX XXXX XXXX with the help of the agent, however, I was rejected. Then on XX/XX/XXXX, I received a letter from American Express informing me that they can not approve my application at this time because American Express cancelled my previous account ( s ). I contacted American Express at XXXX for an explanation. The agent said American Express cancelled my account back in XX/XX/XXXX. I asked for proof and they said they can't provide any proof. I requested this information be removed from my profile and the agent said it is not possible. I have a right to see proof of American Express cancelling my account and the reason why they cancelled my account. As I mentioned, the financial meltdown caused massive pain and suffering. I believe I made the request to cancel my account not American Express. I've attached the rejection letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX 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 non-monetary relief
Consumer complaint received 2022-06-28 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXXXXXX XXXX XXXX Account number XXXX 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 2022-06-28 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: Chime Financial Inc
State: PA

Complaint narrative:
While I was at work on XX/XX/22 there was two charges made to my account at XXXX in XXXX Pa store number XXXX each charge was for the amount of {$170.00}. 
{$350.00} total, first charge was at XXXX XXXX Second charge was at XXXX XXXX. 
Theses charges where not done by myself and my cards were in my procession at the time of the charges. I notified my bank that the two charges were not done by me I put in a dispute they are investigating they said it could take up to 90 days too I am fully immersed I also notified the XXXX store they gave me the corporate number to call and report the situation they gave me a ticket number XXXX and told me to call my local police and make a police report witch I did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My XXXX girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us XXXX XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As of XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still is reporting XXXX open accounts, all XXXX are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of XXXX payments reflecting. 
I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As of XX/XX/XXXX DEPT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Still is reporting XXXX open accounts, all XXXX are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of XXXX payments reflecting. 
I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
bofa refuses to credit my acount my checking acount with the money that was stolen from my acount by hackers my acount was hacked by hackers and a substantial amount of funds stolen from my checking acount and b of a refuses to credit my acount with this fund amount that was stolen from my acount.?

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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a official check written out of my Citizens Bank business checking account in a Branch in New Hampshire for the amount of XXXX. Following that they made XXXX consecutive XXXX withdraws form same account at the same branch. They then took the Check they received from the bank teller in New Hampshire to a XXXX XXXX in the XXXX  and cashed the check in an account they set up in my name with a fake PA. drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us Bank has pulled my credit without my permission. They have stated that the pull was requsted by US Bank Mobile app.I have continued to be discrimnaited against when going into braches and over the phone. US Bank have turned me away serval times during check cashing our check deposit process. They also has block my crad in the past to prevent me from getting money out the ATM. US bank failed to get my permission to pull credit and did not send me proper notice of such pulling. i have stated to them that i monitor my credit very close. On XX/XX/XXXX XXXX  supervisor of us bank stated that i am eligilbe for a upgrade to a unsercured card but a had pull on my credit must be made. i explained to him a brach manager stated that since I am a customer and and hard pull was done when opeing the secured credit card than only a soft pull is needed. This will be my second complaint against the bank for unfair practices this is plan discrimination and due to other complaints that i hav filed aggainst the bank. i was told if i had problems with them and didnt like the service to go find another branch. they also have continued to do a soft pull on my credit report and not provide and explaination as to why. i have been outstanding and have made all payments on time.

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 2022-06-28 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Account # 539176XXXXXXXXXX, 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.

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 2022-06-28 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: CA

Complaint narrative:
New and Updated information. After sending a written request that EQUIFAX remove a number of inquiries being fraudulently reported on my credit report EQUIFAX still continues to furnish them.

Company response to consumer: Closed with explanation