vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank was unable to execute the loan after issuing the loan documents. PNC Claimed that " the Internet is down '' as the reason for being unable to generate a check against the loan. After having the customer wait 3 1/2 hours in the branch, they generated the check, but set up the loan in the wrong amount. Now PNC is trying to reissue the loan and check and have the customer return to the bank to correct the amount- the error is {$0.00}. 

This bank is incompetent and unmanaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: MI

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
1.I have never had an account with this company CB/LNBRYANT XXXX* , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/LNBRYANT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have sent 3 secure msgs and called Comenity Bank yesterday ( XXXX ) about the XXXX $ charge and they refuse to refund it because they say it's been paid. I've never heard of such a thing. I had problems making payments because of their system. I have also informed XXXX & XXXX regarding the service their bank of choice is giving. I may decide just to cease using the card because of the hassle of using it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-08-10 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Dept of EdXXXX Acct XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, US Dept of Education Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 an 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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/2022, I submitted a charge dispute for {$340.00} from XXXX XXXX while traveling on the XXXX XXXX XXXX. In addition, a fraud alert was reported of this incident and the Citibank issue another credit card. The dispute was closed, because there was not enough evidence. On XX/XX/2022, I reopen the dispute and stating the security concern about my credit card, because some stores do not require a secret pin or signature. The chip feature on the card allows merchandisers to use a card without the owners consent. That is what happen while in XXXX, where I gave my card to open a tab and then paid cash. After two days, I noticed that I have that unauthorized charge to my credit card. The credit card company suggest to contact the establishment, but I was only in XXXX for a few days and no phone number was available.

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 2022-08-10 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: GA

Complaint narrative:
I disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed immediately.

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 2022-08-10 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: GA

Complaint narrative:
I disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Ive disputed two auto loans that I worked very hard to pay off. I paid them off and they keep showing up on my equifax XXXX XXXX report. I have disputed several times and they refuse correct the problem. A company with the power to effect peoples lives should pay attention and do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( CA ) reported to Experian XXXX XXXX on XX/XX/XXXX to delete their collections account from my credit reports due to being paid in full. I checked XXXX on the morning of XX/XX/XXXX and Experian has refused to remove the aforementioned collections account for {$1200.00}. They place negative information within seconds of receiving the information but consumers have to fight and file complaints to get positive information/ effects on our credit report. 
I have a release of liability from XXXX XXXX XXXX XXXX XXXX ; who have been very proactive in removing negative information from my credit report. I also have screenshots of my Experian credit report as of XX/XX/XXXX. 
I am an XXXX XXXX XXXX XXXX XXXX XXXX Veteran and trying to use my VA home loan to buy a house for my family; and Experian is obstructing my efforts. 
Experian needs to be fined and sanctions inflicted on them for their refusal to properly report consumers positive credit repair efforts.

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 2022-08-10 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: CA

Complaint narrative:
Since XXXX of 2022, I have been sending certified letter to XXXX, TransUnion, and XXXX. There are inaccuracies on my report that are negatively affecting my report. I have asked XXXX and TransUnion to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. XXXX has not given me an update via mail on the investigation results ; they are far beyond 30 days.

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 2022-08-10 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: OH

Complaint narrative:
I did not consent to, authorize nor benefit from the following accounts or inquiries. Block and remove them. 
( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX # XXXX ( XXXX. ) XXXX  # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) ODE XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXXU XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX XXXX. 

Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
EQUIFAX IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INNACCURATE INFORMATION IN MY CREDIT FILE. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
EQUIFAX IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIHGT TO PRIVACY AS THE CONSUMER. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
EQUIFAX HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY. I called in to demand that fraudulent accounts be removed from my credit file. EQUIFAX has not complied. I also provided them with FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: NV

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. Another thing is the monthly payment is incorrect. If the 3 credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect. Also XXXX states active duty is not suppose to have any apr over XXXXt and I was a resident of Pennsylvania during the law suit of attorney general and 32 states had relief and I still havent

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX sign up offer of XXXX JetBlue points after spending {$1000.00} in the first 90 days. I called them before 90 days to verify I'd met the {$1000.00} spending requirement. They verified that I had and the points would post 4-6 weeks after the current statement closed. When the points never posted I contacted them and this time they said that I hadn't met the {$1000.00} spending requirement because the {$99.00} annual fee doesn't count.

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 2022-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
1.I have never had an account with this company COMENITY BANK/GOODYS XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/GOODYS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I noticed on my credit report that I have unauthorized accounts on my report. Pursuant to 15 usc 1681a3 they assu.ed this role without my permission or my consent. 

They did not have permissible purpose pursuant to 15 usc 1681b2. I did not instruct them to furnish the report and I never consented to it.

Pursuant to 15 usc 1681a4 they did not respect my right to privacy. They did not exercise their grave responsibility, were unfair & partial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief