vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My Comenity Sony branded visa has not been updated on my credit report since XXXX. I realized the lack of updates and contacted the company on XX/XX/XXXX. I was told there was an error in updating credit reports and it would be fixed within 45 days. The balance still remains on my report. I also reached out a second time and got a generic message that it would be handled. I am delaying a purchase because this balance ( that doesnt exist ) is negatively impacting my score. Interest rates have now risen. I am negatively impacted financially by this. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11 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: PA

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 U.S.C. 1681. XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 
U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any reports any of the following items of information other than records of convictions of crimes which antedates the reports 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 persons knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX Received an automated text from Macy 's stating " register your new account online ''. 
Action taken by me : None at the point. 
XXXX Received an email notification from XXXX XXXX  stating " new credit inquiry added to your report ''. 
Action taken by me ( XXXX XXXX  ) : Opened my XXXX account and checked further details- found out about new inquiry made by Macy 's as on XX/XX/XXXX. I did not make this inquiry hence do not recognize the same. 
Further action taken by me ( ~ XXXX XXXX  ) : Contacted XXXX XXXX XXXX credit bureau XXXX Case was generated and expected to be followed up within 3-4 business days. 
Further action taken by me ( ~ XXXX XXXX ) : Contacted Macy 's. Call was transferred to XXXX from FTC who asked several questions and reported to have blocked the new application process that she noted was " pending approval at that point ''. 
Action taken by XXXX ( ~ XXXX XXXX ) - Requested to change my account password at Macy 's. 

XXXX Received automated text notification by Macy 's stating " register your new account online '' ( similar to initial text received as on XX/XX/XXXX ). 
Action take by me : ( XXXX XXXX ) - Changed password and deleted linked credit cards. Also writing this report to CFPB.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My XXXX XXXX branded XXXX has not been updated on my credit report since XXXX. I realized the lack of updates and contacted the company on XX/XX/XXXX. I was told there was an error in updating credit reports and it would be fixed within 45 days. The balance still remains on my report. I also reached out a second time and got a generic message that it would be handled. I am delaying a purchase because this balance ( that doesnt exist ) is negatively impacting my score. Interest rates have now risen. I am negatively impacted financially by this. Thank you, 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 2022-12-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XX/XX/XXXX, I attempted to make a payment via XXXX using American Express ' Send & Split feature. I had already successfully added a balance of {$870.00} to my Send Account ( which is required before sending funds ), but when I tried to complete the payment via XXXX, I received an error message on the XXXX app to the effect of " Something went wrong, we could not complete your payment. '' However, when I logged into my American Express account, and viewed the Send & Split balance, it showcased a completed transaction of {$870.00} to the XXXX recipient. After confusion, I reviewed XXXX again and there was no record of the payment going through. 

So Amex reflected the transaction as completed, but XXXX did not receive it. I chatted with XXXX customer service ( I have a transcript as well ) and they informed me that since the payment did not go through I would have to reach out to the bank issuer ( Amex ) to resolve it. 

I opened a dispute with Amex over it and they at first did not want to dispute it because to them, the transaction was " completed. '' I told them it was not, and sent the transcript with the XXXX agent proving this. They promised to get me a decision in 7-10 days, but have not resolved it or given me any updates. I followed up with Amex, and they continue to tell me they're " working on it. '' This is a significant amount of money that I trusted Amex to send on my behalf. And, since I still owed that money to the recipient, I had to send another {$870.00} via a different service to them ( XXXX, which did work - thankfully ). I am hoping that you can help me get this resolved, since it was not my fault and was due to a glitch on Amex or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11 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: TX

Complaint narrative:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. The creditor accounts ( attached below ) has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

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 2022-12-11 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: IL

Complaint narrative:
XXXX credit card has an inquiry on my credit report XX/XX/2022 which wasnt me please delete

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 2022-12-11 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: UT

Complaint narrative:
I mailed a dispute letter to TransUnion. They replied with a letter suggesting that I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent my letter. Please tell them to provide dispute results.

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 2022-12-11 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: CA

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 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 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 2022-12-11 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: IL

Complaint narrative:
transunion did opposite of what i asked them to do iasked if they could delthe opposite of what i asked them to doete XXXX  from inquirys on my credit report but it was ok to leave the one from XX/XX/2021 on because i did do that one they deleted that one and left the others on

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 2022-12-11 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: TX

Complaint narrative:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 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. The creditor accounts ( attached below ) has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: TX

Complaint narrative:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. The creditor accounts ( attached below ) has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

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 2022-12-11 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt nor therefore any such debt, in fact therefore exist. 

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 2022-12-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/1985 SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX per 15 usc 1681E ( B ) ( 2 ) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure XXXX XXXX XXXX Account Number : XXXX i demand this account be deleted from my credit report this is false misleading inaccurate and i have contacted the company with no responses at all i have sent certified mail and have been trying to contact them weekly yet no response and they have to by law provide me with everything that i have asked of them for and they have not done any of the above things listed so by federal law you are violating my rights on my consumer report and there is no way this is still reporting when i have sent proof of me contacting this company they have not verifed anything and yet your reporting on my credit report and have not validated anything at all. i deman this enitre account be deleted from my credit rpeort it is reporting differently on all bureuas

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 2022-12-11 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: CA

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 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 XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: CA

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 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account COMENITYCB/ZALES Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I responded to an offer from Capital One to open a savings account in XXXX. The offer was for a {$150.00} bonus if you held {$20000.00} in the new account for 90 days, which I did ( XX/XX/XXXX- XX/XX/XXXX ). The bank is refusing to pay the bonus saying the 90 day period started after an initial 15-day funding period. I spoke with a customer service representative and his manager on Friday, XX/XX/XXXX without being offered a resolution to the issue. The advertisement I am attaching clearly states that the funds need to be on deposit for 90 days. I did just recently notice that the fine print below mentions the initial 15-day funding period but this is contradictory to what is displayed in the top part of the e-mail. I find this dishonest and deceptive. There also may be a large number of other customers in the same situation. Thank you for your attention to my request.

Company response to consumer: Closed with explanation