vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a payment of {$570.00} to my XXXX XXXX XXXX credit card to cover the remainder of 2 promotional balances that were ending. I then called Bread Financial that services this card to have the payment allocated to the promotional balances and then the remainder towards my open balance being charged interest. I was told I needed to call back in 24-48 hours so that the money is in their system. I called back in 2 days, the money was already transferred from my bank and showing up online in their system, they told me it was too soon and I needed to wait till XX/XX/XXXX which is now 8 days later and after the close of that current statement. Now I was unable to have those funds allocated. Then I make another payment of {$180.00} on XX/XX/XXXX to cover a promotion ending on XX/XX/XXXX and I wanted the remainder of that payment used to pay off my interest bearing balance. They told me I cold not do that. The extra amount will first go towards promotional balances ending in 60 days and then anything after that will go towards the interest amount. Well I have several open promotional balances that will always be 60 days off so that any payment I make will go towards those and I will never be able to make a direct payment to the open balance which is accruing interest. The customer service person on the phone told me that this system is setup to save me interest. I said how? I'm always getting charged interest on this balance. She said well it saves you the accrued interest on the promotional balance. And I said sure but I want to pay off my balance that is getting charged interest now and then 60 days from now, pay off the promotional balance. She told me I can't do that. It seems illegal to not allow me to pay a balance that is costing me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I have repeatedly asked EXPERIAN CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, EXPERIAN CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX collection agency substantiating their claims ( account # XXXX amount {$990.00}. 
Furthermore, I have requested EXPERIAN CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
This letter is in response to EXPERIAN CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that XXXX XXXX XXXX, collection agency, has verified that the ( account # XXXX amount {$990.00} ) they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. 
I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. 
I am maintaining a careful record of my communications with EXPERIAN CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your non-willfulness.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting two XXXX XXXX Accounts as charge off on my credit that's impacting my credit. 

XXXX XXXXXXXX Account Under the fair Credit Act Law under section 604 15 USC 1681b FCRA 604 [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

(

2 ). In accordance with the written instructions of the consumer to whom it relates. ( 3 ). To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened up a BMO checking account on XX/XX/XXXX. I was interested in the {$600.00} checking account bonus they were offering. 

A few days later I received a notice that my initial funding was not able to be processed. I called BMO and they were not able to give me any information about this. A few weeks after that, I called BMO again and they told me they had closed the account. They were not able to provide a reason and they said I would receive a letter explaining the decision in 7-10 days. I never received this letter. 

I called them again today ( XX/XX/XXXX ), and they were able to tell me that the account was closed due to " high risk, '' but they were not able to explain what this means. 

I find it very unprofessional that I was never notified of the account closure until I called them myself to ask about it. It also seems very strange that the fraud department would close my account without talking to me. If fraud was a concern, they could have called me and verified my information. I believe they closed my account so I could not earn the {$600.00} bonus.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
So this account is from like 8 years ago and I had my wages garnished until XXXX XXXX when XXXX XXXX XXXX XXXX and will not be able to work most like ever Im currently applying for ssdi my XXXX is worsening. They served me papers again but this time its for way more than it was before and Ive already paid some back from garnishing Ive tried calling and left emails I hear nothing back Im trying to see if they can write this off but they refuse to answer their phone or return emails and when I talked to them nicely last time the lady was extremely rude and disrespectful company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have never used this account, consistently ensuring timely payments. I'm uncertain why there are reports of late payment remarks on my accounts.

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 2024-01-25 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
These accounts that I am sending you are to be deleted since they are not mine. 


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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
These accounts that I am sending you are to be deleted since they are not mine. 


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 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: CA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As of XX/XX/XXXX, I have been attempting to get Trans Union to remove a fraudulent inquiry from my credit report. Despite sending multiple letters to Trans Union and XXXX acknowledging the inquiry 's fraudulent nature, as of today, XX/XX/XXXX, Trans Union has still refused to remove it. 

I have sent approximately three letters requesting the removal, along with evidence from XXXX, and XXXX has also contacted them to request masking the fraudulent inquiry. However, Trans Union 's continued refusal has resulted in an inaccurate credit report, as none of the other credit companies have listed this fraudulent inquiry.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.

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 2024-01-25 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
The school will not provide any transactional history to any third party companies due to the family and educational privacy act of 1974. The debt was forgiven and whatever was forgiven was to come back to me in the form of a check. Company has 14 days to remove inaccurate information and provide remedy and compensation for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital continues to report an alleged debt to my credit that is well over seven years old and refuses to stop collection, attempts, and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry XXXX : XX/XX/XXXX Creditor Name : XXXX Inquiry XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have not applied for any credit or services with the mentioned creditor on the stated date, and I believe this inquiry was made without my consent.

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 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
The manager of Dollar bank told me that funds were frozen by Social Security, and would be released upon notification. This practice was deceptive,, because further investigation of the matter proved that the manager ( XXXX XXXX  ) was misleading me to believe that the release of funds would take a long time to be released to me, and this was not true. 

A conversation with a Social Security agent I was told that the release of funds normally would take five days after the death of a family ( brother ) member. After 10 months, and not hearing from the bank I called the Social Security Administration and had a conversation with ( SSA ) an agent, and then I proceeded to contact a branch manager of the bank and he allegedly called the Social Security Administration, and he ( bank manager ) said that he would need a letter from Social Security Administration, however Social Security Administration told me that practice is against the law, holding money beyond the five day process. This deceptive practice is a breach of trust by the trustee ( bank ) at a time of grieving, and therefore my right to file this complaint. Furthermore, caused a great deal of hardship not having funds when needed, and a lost of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act account # Account info Account name XXXX  Account number XXXX Account type Unsecured 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