vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Credit Card through Zales, card issued by Comenity. 

I had a issue with a promo not being applied correctly and the one applied was not the correct one that was supposed to have been applied. Comenity did not notify me of the incorrect promo and that it was expiring until after the fact. E-bills and Paper bills were not arriving to my email and my mailbox. I had complained about both before and was pretty much told 'not our problem '. When I challenged them about these issues on around XX/XX/XXXX, they responded by locking me out of my account and would only let me make payments over the phone under the condition I was changed a payment processing fee. I refused and they hung up. I attempted to contact them again over the next 6 months when for some reason, back in XXXXXXXX XXXX XXXX my account became unlocked and could make payments without the need of a payment processing fee. As of today, XX/XX/XXXXXXXX  I called in to have those fees and charges waved for non-payment on the account they would not let me make payments unless I paid a payment processing fee and called in. They waved one late fee and then proceeded to tell me " There is nothing else we can do ''. The account was paid in full today and I am not satisfied with how they handle this account and how they were charging me fees with no way to contest or resolve it unless I paid even more money to process payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent inquires are reporting on my credit report. 

XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-07-11 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: PA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX Account XXXX : XXXX Please remove it from my credit report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, 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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
There is sooo many times and overwhelming fees Bank of America had charged me with and has not refunded within the past two years its constantly happening

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
Greetings, I have a complaint that includes two businesses. XXXX claims that I owe them {$230.00}. So the first complaint is that XXXX has commited identity theft by sharing my confidential information without my consent per 15 USC 6801, 6802 and 1681 ( b ). They have violated my privacy and my confidential information to outsiders not affiliated with the company, ie ; stock holders, owners, subdivisions of the company or employees. 
My information was then purchased by a debt collector ERC who has been contacting me since XX/XX/2023 Reference Number : XXXX in the amount of said {$230.00} debt. In the form of a letter. Which was purchased from XXXX without my consent. I've also received numerous phone calls since that period. 
So I decided to send them a validation letter, cease and desist letter and a 30-day affidavit of truth all certified mail : XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I received the green card and they received my notice XX/XX/2023. 
Since then i have received 5 phone calls from ERC XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and today XX/XX/2023. 
I also made the aware in my affidavit that it would be {$1000.00} per occurrence and they still continue to harass me. 
My affidavit will be alive and active and I will be looking to obtain my remedy for the violations this company has committed against me the consumer and person. They are not on my credit report but XXXX is as a collections account. I also have a copy of the documents that I sent them. They have the originals notarized and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TX

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 explanation
Consumer complaint received 2023-07-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a dispute to the credit bureau on XX/XX/XXXX  regarding an alleged late payment in XX/XX/XXXX  on my auto loans with XXXX XXXX. The dispute was sent via certified mail along with the return receipt. I have included the receipt on the date it was mailed and the tracking information that indicates when it was received. The credit bureau failed to respond or reply and it has now been over 90 days. I have proof beyond even a reasonable doubt and certainly a preponderance of the evidence that the documents were sent and the credit bureau failed to timely reply. The XXXX XXXX loan numbers are listed below : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: GA

Complaint narrative:
I have done several disputes with the 3 credit bureaus to get old closed accounts permanently removed from my credit reports. There are old accounts that have have been closed for over 8 years that are still showing on my credit report.

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 2023-07-11 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: MO

Complaint narrative:
Ive been a victim of identity theft since XXXX I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX XXXX  account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.

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 2023-07-11 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: MO

Complaint narrative:
Ive been a victim of identity theft since XXXX I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX XXXX account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
In accordance to the fair reporting act XXXX account XXXX, XXXX, XXXX has violated my right. 

15 U.S.C1681 Section 604 Section 2 it also States a consumer reporting agency can not furnish and account without my written instructions.

15 U.S.C1681 Section 602 A States i have a right to privacy.

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 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 2023-07-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had an account with Bank of America for the last 3 years from XXXX  to XX/XX/XXXXXXXX  I started to see issues with my transactions and overdraft fees in early XX/XX/XXXXXXXX  it would be minor at first {$35.00} for every over draft then it would continue to be bigger amounts and then they would deposit money back in, me believing my account was back positive I would spend those funds then the next business day they would send my account back into negative even more with added on overdraft fees this happened in XXXX XXXX XXXX XXXX XXXX XXXX. They closed my account on XX/XX/XXXXXXXX  after my account went negative from a faulty check they deposited into my account sending me into XXXX  in the negative and added on overdraft fees. This added to a crucial hardship on my life my car was repossessed, I had no funds to feed or help my family and no transportation to get to work.

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 2023-07-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 - IDENTITY THEFT 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 of 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 2023-07-11 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: DE

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. As per FCRA Section 609 605 and 623 Please Provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records i expect removal of this inquiry immediately XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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