vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
New york company credit card store and and XXXX closed my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Comenity Capital Bank/ Forever 21 Account # XXXX 15 USC 1681 section 602 A 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 accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: MA

Complaint narrative:
On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given

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 2022-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: WI

Complaint narrative:
A letter was sent to LJ Ross and Associates on XX/XX/22 via Certified Mail requesting the name and address of the original creditor, the account number and amount owed, verification that there is a valid basis for claiming I am required to pay the current amount owed, details about the age and amount of the debt, including the last billing statement from the original creditor, detailed explanation of interest added or payments made since the last billing statement and legal authorization for this interest. I also requested the date the original date the creditor claims this debt became delinquent, whether this debt is within the statute of limitations and how that was determined. Requested were details about the authority for this company to collect this debt, whether they are licensed in my state, the license number, name, address and phone number of the state agency issuing that license. This letter was sent for account number XXXX, XXXX, XXXX and needs to be verified for any and all accounts that LJ Ross holds for XXXX and/or XXXX XXXX. 

I received nothing back from this company to validate any debt therefore according to the Fair Credit Reporting Act, I am not required to pay this debt as I am unable to validate this debt. I tried to dispute this on my credit report, however XXXX was unable to verify my account for me to access my dispute feature at this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express Platinum card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XX/XX/XXXXas an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX 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 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 2022-05-17 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: OR

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX  are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my XXXX report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my equifax report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitol One - An application was open for a credit card, which i did not do. 

XXXX  XXXX ( Credit card ) - all personal account information on account was changes. received another notice of an authorized user was approved on this account. Criminal also made purchases prior to me closing out the account XXXX  - all personal account information was changed, and new card issued out to address, which I did not do. 

XXXX XXXX  ( Credit card ) - all personal account information was changed, and new card issued out to address, which I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over the past 8months I have contacted this credit bureau and disputed that a XXXX  XXXX XXXX account that was reporting on my credit report was reporting inaccurately. They claim that they contacted XXXX  XXXX XXXX and that they verified the information on my credit report as accurate and this was a lie. I contacted XXXX  XXXX XXXX and they informed me that this credit bureau never contacted them to verify my account information. These credit bureaus are evil and because of there false reporting I was not able to get a mortgage or get the funds needed to start my business. My lawyers are preparing to file a suit against this credit bureau for damages for each month that this credit bureau continues to report false information on my credit report. I am also send a copy of the letter that I got from XXXX  XXXX XXXX to the Federal TRade Commision so that a fine can be levied against this credit bureau for false credit reporting. For over 8 months they reported that they contacted the creditor and that the creditor had verified the information and this was a BIG LIE. They are destroying people 's lives for what I don't know. 
I will also be sending all the credit reports received and the false reports from the false investigation that they claim they did but never did. This note is just to notify the CFPB what this credit bureau has done and to expect some documents from me for there illegal action and to levy a fee against them for there illegal actions. 
The CFPB needs to stop these credit bureaus from doing things like this. My attorney XXXX XXXX XXXX will be contacting this credit bureau shortly on behalf.

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 2022-05-17 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: MD

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened XXXX. XXXX, XXXX, Balance {$43000.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ) .Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
Threatening emails concerning money never loaned to me from scamers. Company name used is Speedy Cash and they don't loan money to people in Georgia. They are aware of scams & told me to ignore, which I have. I received first email from XXXX XXXX & second today from XXXX XXXX but I am sure that is not their real names. attempted to forward to your given email site XXXX but they would not forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please Help! I have contacted XXXX on XX/XX/2022 in regards to a fraudulent bankruptcy case XXXX that XXXX provided to the consumer reporting agency. The agent stated that they was a dispute in process and to call back on XX/XX/2022 to get the results. I called back XXXX XXXX the agent told me that the Bankruptcy case XXXX has been remove from their database. I was placed on hold after I told them their duties of the law. I was hung up on and this is stressing me out. XXXX continues to break the law. The FCRA 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. XXXX continues to say that they don't have anything to do with the consumer reporting agencies. 15 U.S.C 1681s-2 ( 2 ) The duty of the furnishers of information is to correct and update information. The FCRA also prohibition reporting information with actual knowledge of errors. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ). LexisNexis is willfully noncomplying with the law.15 U.S.C 1681n ( a ). LexisNexis has a duty to ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: GA

Complaint narrative:
I submitted an application for a lease through XXXX XXXX XXXX, XXXX and my application was denied. Confused, I looked further into the matter and found that CoreLogic, LLC is reporting 4 evictions and an open judgement from 2018 on my profile.

As instructed by CoreLogic, LLC, I obtained all records from the Clerk of Courts for XXXX XXXX who confirmed there are no open judgements against me and the one record they had was dismissed. 

The clerk provided a copy of all records they have for my name and notarized it with the Court 's Seal to prove authenticity. 

I provided this information to both the leasing agent and CoreLogic to no avail. XXXX, a Supervisor for CoreLogic, assured me that he was escalating this matter with their internal team. He stated this matter would be resolved Friday, XX/XX/XXXX. 

I called back today and he is attempting to challenge the authenticity of the documents provided by XXXX XXXX XXXX. 

XXXX of CoreLogic shared that they handled 98 % of all rental applications. My current lease is up XX/XX/XXXX. This clear violation of the FCRA Act is barring me from securing shelter for my family. 

I want to pursue this matter to the fullest extent of the law. CoreLogic, LLC is currently under litigation regarding this very same issue. CoreLogic needs to be held accountable or to the same standard as the big 3 credit bureaus. If they are going to report information that determines someones creditworthiness or approval, they should be providing the most accurate information and have a system established for verification. 

I went so far as to provide the link to the XXXX XXXX Court where they can search for my name and pull up any records associated with my name. They have refused. This has not been an issue for me since the Judge dismissed the case but it's coming up now.

CoreLogic has refused to remove this negative reporting from whatever profile the are illegally associating with my 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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I opened a XXXX XXXX XXXX with Barclays last year. One of the benefits was an introductory APR of 0 %. This month I had a feeling that the promotional APR was coming to an end. When I checked my XXXX statement it listed the promotional APR in the Interest Charge Calculation table, however, under the Promotional Rate End Date there was no date listed. I called Barclays customer service and the agent gave me 2 end dates as the information on their end was not clear. It wasn't until we went through each statement to find if the date was listed, that we found the actual end date. This information was last printed on my XX/XX/2022 statement. 

This feels suspicious to me as if Barclays was hoping I would miss the promotional rate end date and owe all the back interest. 


I wanted to report this because it just is not right.

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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America opened an account on XX/XX/2022 in my name and social security number, but it wasn't me, called to close account and it's still open

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 2022-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I'm a single working mother of XXXX young school age children from XXXX XXXX  and I need help! 

I financed a XXXX XXXX XXXX from a car dealership in XXXX XXXX I financed this car in XXXX. The payment were {$500.00} per month for 72 months. 

I traded in a car XXXX XXXX XXXX XXXX and {$9000.00} was applied towards the purchase and had I still to come out of pocket $ XXXX was making my payments for 3 month, I got behind one payment ( XXXX month ) they following month I made 2 payments in the amount {$1000.00} to try to get caught up on my payments. 

I made my payments through Credit Acceptance and the payment were accepted. However, I was current on my payment after paying the 2 payments totaling {$1000.00} and my car was repossessed with all of my belonging inside. 

I was informed by the car dealership that I would have to pay {$800.00} to the dealer, pay {$250.00} to the towing company and {$75.00} for my personal property before they would give my my car back. I did not have this extra money to pay because I has already given them {$1000.00} and the next day they repossessed my car. 

The company has since gone out of business and/changed names. This company has place this debt on my credit report and ruined my credit. I believe the new name of this dealership is XXXX. Please, Please Please Help me or direct me to who can help me.

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