vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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: TX

Complaint narrative:
You closed complaint # XXXX in error. I do not think you understood my issue. 

XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT credited me for items I returned in XX/XX/XXXX & XX/XX/XXXX. The list the returns in my account activity history, BUT it does NOT decrease your balance. 

From : XXXX XXXXSent : Wednesday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

I apologize for the confusion and frustration you have experienced with your XXXX XXXX   account. I have taken the time to review your previous messages as well as your account to assist with your inquiry. You are concerned that your balance and available credit are not reflecting accurately due to pending transactions. 

After reviewing your account, I see there are 13 returns totaling {$270.00} that are pending transactions. Our records indicate that 7 of the 13 pending transaction will post to the account on XX/XX/2018. of the remaining 6 transactions, 1 will post on XX/XX/2018, and the remaining 5 will post on XX/XX/2018. We are unable to change the posting time as this is indicated by Simply Be. For more information regarding the posting timeframe for these returns, please contact XXXX XXXX at XXXX. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 

Sincerely, XXXX XXXX Internet Customer Care Team MIND YOU I AM BEING BILLED FOR INTEREST ON AN INFLATED/INCORRECT BALANCE AND MY MONTHLY BILL IS ALSO BASED ON AN INFLATED/INCORRECT BALANCE. AND AS YOU CAN SEE IN THE EMAIL 7 OF THE UNPOSTED CREDITS WERE SUPPOSED TO POST ON XX/XX/18, THEY HAVE NOT. IF THEY WOULD PROPERLY POST MY CREDIT, THIS ACCOUNT WOULD BE ALMOST PAID OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.

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 2018-10-02 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: IL

Complaint narrative:
I am writing this due to Non-compliance with the Credit bureau Transunion, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Transunion if this account is not deleted.

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 2018-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s )  listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
In response to the previous complaint First of all that is not accurate you are in fact reporting it as paid as proof by my documentation provided by XXXX when it should have been removed. 

Secondly, the documents have already been provided to you via certified mail that prove there is NO DEBT and will not be provided again. 

Thirdly the secondary document was provided by you, eastern account systems, and was what you sent me in an attempt of validation of debt after I disputed it with you. What you sent me and lets be perfectly clear Was a statement with a zero balance. You sent it to me so You cant really be this XXXX XXXX. 

I have ample documentation and your continuing to pursue this matter despite having all the facts and a preponderance of evidence in negligence and intent to inflict harm. Good luck arguing against the now 4 fcra violations ..

You do not have permission to contact me again regarding this matter ( 4 fcra violations now ) the information will be removed from each credit bureaus regardless of what you keep attempting because I have the facts and documents so your only wasting your own time but hey XXXX XXXX again Ill surely enjoy that XXXX per violation since its so evident you have negligently and willfully harmed me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT

Complaint narrative:
In XX/XX/XXXX XXXX XXXX posted a past due on my credit report but my account is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Collection company still not corrected credit report for debt no longer owed to XXXX XXXX XXXX for an unforeseen life threatening medical issue I had.

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 2018-10-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
as of XX/XX/2018 Equifax still haven't removed the paid repossession from my credit report when the other two reporting angencies have I have tried at least 4 times to dispute this with no avail they are refusing to remove it .its either this or court d to inproper investigation its their choice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: FL

Complaint narrative:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX Inquiry :XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2017 National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX  Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2017 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Corporation
State: NC

Complaint narrative:
I had a vehicle financed with Security Credit Corp. In XX/XX/XXXX, I paid off the loan. Despite that, Security Credit is still reporting to the credit bureaus that I have an outstanding balance. And furthermore, they are reporting that my account is past due. This account has been paid off now for a couple months, and has never been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: FL

Complaint narrative:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX  Inquiry :XX/XX/XXXX National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry :XX/XX/XXXX National Credit Cards/Airlines  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-10-02 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:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL 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 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
Using Western Union, I wired {$200.00} in cash to relatives in XXXX NC. They were unable to receive it because WU was not processing payouts due to the hurricane. I cancelled the transaction on XX/XX/XXXX. Operator XXXX told me I would receive my money back in 24-48 hours. Since then, a week and a half later, I have called 3 more times, each time being assured I would get a number that would get my cash back '' in 24-48 hours. ''

Company response to consumer: Closed with explanation