vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This involves Comenity bank & their Sony XXXX XXXX XXXX XXXX I have a payment due & they have stated they are undergoing planned system maintenance & it's taking longer than expected. I went to pay my bill on Friday XX/XX/22, it wasn't up. Then on Saturday XX/XX/22, Monday XX/XX/22 & now today XX/XX/22. I am unable to even make a XXXX time payment either on the web or even by phone. You can't reach anyone in customer service via phone or email. They also didn't even let consumers know they were doing a system update. Please review their XXXXXXXX XXXX XXXX XXXX & you can see they keep saying the same message without giving anyone actual information. 

Issues : XXXX ) not communicating PROACTIVELY about a system update XXXX ) not allowing anyone to make a payment of any kind, either XXXX time or via phone XXXX ) finally stating TODAY ( XX/XX/22 ) there won't be late fees, but not disclosing about reporting late payments to credit bureaus. 
XXXX ) even though XXXX message said no late fees, there are varying messages saying the " grace period '' - XXXX said until next statement date, but a newer message stated XX/XX/XXXX, which is FRIDAY! System has already been down for XXXX full days. 

This is perceived as a money-making scheme at the consumer 's expense, by trying to get late fees AND being able to increase interest rates on late payment customer 's accounts. No direct communication & until something is in writing, many consumers are resting uneasy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to XXXX other credit agencies, XXXX XXXX XXXX, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, SANTANDER CONSUMER USA, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: NC

Complaint narrative:
I have no knowledge of the account. I didnt do this. I have filed a fraud report # XXXX regarding XXXX XXXX account.

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 2022-06-28 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: NC

Complaint narrative:
I have no knowledge of the account. I didnt do this. I have filed a fraud report # XXXX regarding XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have no knowledge of the account. I didnt do this. I have filed a fraud report # XXXX regarding XXXX XXXX account.

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 2022-06-28 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
Received collection notice for false admission to XXXX XXXX charged {$16000.00} with a balance owe of {$190.00}. I contacted XXXX and they had no amount that price submitted for XXXX XXXXXXXX which I had in XXXXXXXX XXXX I then contacted United Collection Bureau, XXXX XXXX XXXX. XXXX OH XXXX and ask why I wasn't sent a previous bill stating I owe money and told them, I never was admitted to this hospital in my life. The XXXX XXXX I had done was less than {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXXXXXX XXXX XXXX XXXXXXXX through Comenity Bank. For several days I have tried to access my account online and their site is down. The banner on the top of the page says they are sorry for the inconvenience and that this is a planned system update. Further, you can not in any way reach them by phone. When you call the customer service number, you are ultimately disconnected. I have looked online and hundreds, if not thousands, of Comenity customers are going through this same thing. You can not access your account online, they do not answer their phones and you can not make a payment. If you try to use your card, all charges are declined. A system update that takes over a week?? Completely unacceptable, and I fully believe there is something else going on here that is not being disclosed. Whether that is a buyout or they have been hacked, who knows.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: GA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-06-28 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: NH

Complaint narrative:
My Comenity Lane Bryant credit card payment was due XX/XX/XXXX and I attempted to log onto their system at least once every couple of day since XX/XX/XXXX unsuccessfully. The system/company is indicating system updates and to try again, which I did - both online and by calling. 
I called the retail branch XX/XX/XXXX and they can't take a payment t and refer me to Comenity.

I am worried about late fees and penalties, but also the affect on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: RFNA, LP
State: TX

Complaint narrative:
Someone has opened some accounts in my name that are fraud I will be filing suit against XXXX XXXX XXXX There are XXXX XXXX accounts on my credit profiles and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I wanted to send {$300.00} to a person that needed the funds for food via Cash.app. I was having trouble linking my account to the transfer of those funds. I tried multiple times without success. When putting in the " hash tag '' for the person to receive the funds there was an automatic dropdown menu of that persons name and all seemed fine. Finally found a credit card and the money was to be transferred. I put in the correct name but when the money was sent it went to a different party with a similar hashtag. I later realized that they money was sent to the wrong person and contacted Cash.app as well as the party that got the money incorrectly. Cash.app said they can not do anything, though it was their fault with a faulty drop down name and the person has not sent me back those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: AL

Complaint narrative:
Someone attempted to get credit with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 my account was charged without my authorization. A company ( that doesn't appear to exist ) XXXX states I purchased maternity clothing for {$540.00}. This is fraud for both my credit card and the fact they have my address. They used XXXX different IP addresses within XXXX minutes of each other in my general area. These are not my ip addresses and there is no way to be in XXXX and then XXXX minutes later XXXX. Bank of America did not research in the company and took basic answers back to decline my fraud. 

I never received these items, didn't authorize these items, and this company does not exist. They keep telling me to deal with the merchant and prove a negative which is impossible. 

I reported the fraud right away. 

I want these charges- charged back to the 'merchant '. 

I also can't pay these charges and off my credit card as it will passively appear i agree to the charges. In paying the minimum balance or everything except this i will get interest charges and my credit will be impacted. 

There is a no win situation that is beyond frustrating. 

I have also filed an FTC ID theft claim to help support this claim and resolve the matter

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 2022-06-28 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-28 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: AZ

Complaint narrative:
I have a Comenity Capital account via XXXX & XXXX and my monthly payments are made automatically, but I occasionally make an extra payment. I have been trying to log in to make one of those extra payments for about a week, but can not access the site. I get an error message saying there is a glitch on their site, but it has been that way for at least a week. 

Occasionally I can get to a second screen, but that message is even worse because it says that my personal bank account is not linked to the Comenity account. Either that message is wrong or Comenity has severed the link themselves because I have been making automatic payments from that account for months. 

I am concerned because I can't make extra payments when I want to, because my regular payments may not be made in the future, and because this could all impact my credit score for reasons beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
Reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 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 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 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Reporting Company used my credit report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
Reporting Company used my credit report improperly

Company response to consumer: Closed with non-monetary relief