vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: FL

Complaint narrative:
I've sent certified letters for each item on my credit report requesting documentation of the original purchase agreement bearing my signature. I am a victim of the data breach involving XXXX XXXX XXXX and Equifax. On XX/XX/2020 I sent certified letters to Equifax disputing each item on my credit report. The credit report that I received as a result is dated for XX/XX/2020. After analyzing my credit report, I realized that neither of the accounts had the required comment stating that the accounts had been disputed within 30 days. The old addresses had been removed. However, I was advised to contact the creditors directly to remove the inquiries from my credit report. The accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX had been deleted. However, those accounts have been reinserted on my credit report. The collection account for XXXX was also disputed. It is still being reported with missing creditor contact information. I've sent a certified letter to XXXX requesting documentation of the original purchase agreement bearing my signature and a representative signed for the letter on XX/XX/2020. XXXX failed to send a copy of the original purchase agreement instead they sent a bill. I sent a certified letter to Equifax because they should have left a comment stating that the XXXX account had been disputed within 30 days but they failed to do so. According to the USPS Tracking log, the certified letter was received and signed by a representative at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: VA

Complaint narrative:
We are writing to obtain assistance in receiving a refund of money paid to Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) to settle an account. Most of the particulars are in the attached letter to Comenity ( XXXX ), and we would ordinarily give them time to respond. However, they have been less than responsive in spite of numerous telephone inquiries, and we have no reason to believe they will change their stance. 

In addition, we are concerned this may represent part of a pattern of delay designed to reap extra late fees for the company by not promptly crediting payments and/or crediting them to the wrong account. Both are documented in the attached correspondence ; we dont know if this is a singular occurrence, or if it involves many other customers. 

Since opening the account, we have noticed several attempts to charge interest and fees in spite of paying her account timely. This has been due to late crediting of payments and failure to honor terms of the rewards program in which she is enrolled. Indeed, during the last month, the company imposed {$10.00} in interest charges in spite of a XXXX balance at the close of the previous statement ( see XXXX and XXXX ) We are submitting evidence that our bank has paid the items in question ( red arrows on document XXXXg ). That document is from the banks website ; we do not as yet have an account statement. We will give permission to confirm payments with the bank. 

Our biggest concern is with the series of events documented in our letter to Comenity. We think they may have purposely delayed crediting our check payments to collect additional late fees and interest. Thinking the checks lost, we initiated payments at the last minute on the banks website to avert such fees. However, when the bank found the checks, nearly a month after the first one was mailed, we were left with a substantial overpayment, which wed like refunded. 

In addition, the bank claimed not to have received XXXX of the payments, until, after hours of fruitless discussion, a XXXX discovered it had apparently been credited to the wrong account. 

We are asking for you to investigate to assist us in getting our money back. We also ask for you to see if you have a pattern of complaints involving other customers of this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Today ( XX/XX/2022 ) I attempted to pay for guitar pedal parts from a vendor ( XXXX XXXX ). They use PayPal as a payment processor so I put in my personal and payment information. When I tried to confirm my payment, it said there was a problem and returned me to the merchant. When I tried to log in to PayPal 's main site, it said my account was permanently limited. I fully believe this to be a mistake as I have not broken any of their policies to my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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: GA

Complaint narrative:
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. 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. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a letter from the company listed below stating that the following accounts where verified & that a through investigation was done. How did they do a through investigation when according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the 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 others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any XXXX & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 
Accounts : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 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 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midstate Collection Solutions, Inc.
State: PA

Complaint narrative:
I would like to report an unfair debt collection from XXXX XXXX XXXX XXXX Round XXXX XXXX XXXX XXXX IL. I had been a resident of Smile student living from XX/XX/2021 to XX/XX/2021. It was my first time staying in the United States and I was made to pay around {$1200.00} as a non-refundable deposit to Smile student living ( for the purposes of cleaning and damages once I move out ). After I moved out I was sent a notice to pay {$650.00} by XXXX XXXX student living saying it was for cleaning charges. My lease did not mention anything as such since I already paid the amount before moving in. When I asked for an itemized bill for the additional charges and the bill from the companies they claimed to have hired ( for cleaning, repair, etc ) for the said {$650.00} charges, they did not send it. A couple of months later I received a notice from XXXX collection solutions instructing me to pay it. I contacted the student legal services at XXXX and they said they would talk to the XXXX collection agency. After that, I did not receive any notices from them. However, all of a sudden my XXXX XXXX went down by XXXX points today. I do not understand what to do about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
My lease was up in XXXX and I decided to purchase the 2020 Hyundai XXXX. I sent the check to Hyundai on XX/XX/XXXX ( {$12000.00} ) and they cashed the check on XX/XX/XXXX. They sent the title in approximately XXXX XXXX later but failed to send the lean release. I can not register the car in my name until I receive this release. I have been in contact with Hyundai Finance for over a XXXX now and XXXX XXXX I'm told its being processed and will be mailed in XXXX XXXX XXXX XXXX. I call again, and am told it will be mailed tomorrow and I'll get it in XXXX XXXX XXXX XXXX. This has been going on for XXXXXXXX XXXX and still can't get an answer when I receive the lean release. I don't know where else to go to get help. AT this point i'm ready to get my lawyer involved. Any help you can give me would be appreciated.

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 2023-01-09 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: NV

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXXBalance : {$240.00}.

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 2023-01-08 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: VA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 UCS 1681 Account name Account number First access XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) 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 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: GA

Complaint narrative:
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. 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. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from 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 2023-01-08 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: GA

Complaint narrative:
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. 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 XXXXXXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from 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 2023-01-08 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 — Problem with personal statement of dispute
Company: Self Financial Inc.
State: CA

Complaint narrative:
I received a letter from the company listed below stating that the following accounts where verified & that a through investigation was done. How did they do a through investigation when according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

Accounts : Self/Lead-XXXX Selfinc /Lead-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: IN

Complaint narrative:
In reference to the Fair Credit Reporting Act, These listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681Section 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mXXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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 incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: VA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 UCS 1681 Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) 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 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief