vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
the inquirys on my credit report are inaccurate can you adjust the following thanks XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/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 explanation
Consumer complaint received 2023-06-27 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: MO

Complaint narrative:
As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. Equifax, XXXX, and XXXX, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: LA

Complaint narrative:
This is my THIRD complaint filed against XXXX XXXX about an XXXX  XXXX Bankruptcy XXXX. I have contacted the XXXX in XXXX, La on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by XXXX XXXX. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this Bankruptcy and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: LA

Complaint narrative:
This is my THIRD complaint filed against XXXX XXXX about an XXXX  XXXX Bankruptcy XXXX. I have contacted the XXXX in XXXX, La on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by XXXX XXXX. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this Bankruptcy and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
XXXX advertises on their website that there is special financing with a XXXX credit card. I applied, was approved. Attempted to buy a lawn mower on the same XXXX website advertising special financing with the XXXX card and you can not even use the XXXX card on their website. When I called XXXX customer service they informed me that something happened about a week ago and now people can not use XXXX card on their website. They have known this for a week, but people like me, are allowing a hard credit pull to be done because we apply for the card and then can not even use it. I asked customer service to connect me to anyone who can take my order over the phone and they informed that they can not accept the XXXX card even with a customer service agent. Now I am left with a hard credit pull, a useless {$22000.00} credit limit. When I contacted TD Bank who is the bank the card is actually backed by, they were unaware that XXXX was having issues. 

It is unacceptable that XXXX has known about this for over a week and are still advertising this on their website and allowing customers like me to have their credit report pulled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX XXXX XXXX  XXXX 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 2023-06-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX XXXX XXXX  XXXX 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 2023-06-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On approximately XX/XX/XXXX and XXXX I called Barclays/US airways Mastercard to dispute 68 transactions made by my child to XXXX that were not authorized by me. The 68 transactions totaled {$1900.00} and were made between XXXX XXXX XX/XX/XXXX with the bulk of transactions taking place between a 3 week period, and generally hundreds of dollars charged within minutes. I regularly spent {$0.00} per month on XXXX storage. I did try to dispute this with XXXX as requested by Barclays, to no avail. I was given an address ( by barclays ) to send a letter outlining the disputes in writing. I sent the letter via certified mail on XX/XX/2023 and the letter was accepted by Barclays on XX/XX/XXXX. To date, XX/XX/XXXX, I have been passed around between departments at barclays/us airways , always initiated by my phone calls, and no resolution has been made. I have repeatedly explained I am concerned about missing the time limits to dispute these charges but am not able to get help from anyone. I have not received anything in writing even acknowledging my letter, or a case being created. Per the Fair credit billing act, I am responsible for the first {$50.00} of the charges that were made by someone not authorized to use my card. I am disputing charges that were made by a minor unauthorized to make these purchases, and without my knowledge or consent. I am attaching the original letter which I wrote and mailed to US Airways mastercard/barclays

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 2023-06-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: OR

Complaint narrative:
I received a letter back from CFBP today. Saying you heard from Key Bank and that they told you they are working on the issue. No they are not, I have gotten the same response from them for the last 3 months. So now I have to wait another 60 days for Key Bank to do nothing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: WA

Complaint narrative:
I had an adverse credit report from XXXX XXXX XXXX. I requested a copy of my credit report. Lexis Nexis gave me a url to use to get my credit report. The problem is that the url XXXX never came up. Several sites with the same url came up but I wasnt able to get my credit report from those sites. I believe Lexis Nexis is not activating the url I need. They said they were unable to verify my information. For the complaint I provided my name, address phone number and last four of my ss number. 

On the original letter I received from Lexis Nexis My Consumer Number is XXXX My Case Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I disputed a transaction of {$510.00} which I paid for an XXXX purchase. I bought an electric scooter for my roommate as his birthday gift. The order was supposed to be delivered by Friday XXXX XXXX but it hasnt arrived yet. Whenever I call XXXX regarding the issue, they just postpone the delivery date. They said it will be delivered on Saturday and when I called them again, they again said it will be delivered some day later. 
I am so frustrated at the XXXX customer service. I have been a loyal customer of XXXX for years and they couldnt keep their promise of lightning fast delivery for their XXXX XXXX  customers. I am so embarrassed I couldnt attend my roommates birthday party just because they ruined the gift. I deem this to be customer dissatisfaction of the highest level and thus dispute the transaction. 

And since the credit card I used to pay for the card has purchase protection and am covered for customer dissatisfaction, I disputed the dollar amount with Wells Fargo. I used their XXXX XXXX. They registered the dispute but have been lazy about resolving it. 

My statement closing date is XXXX XXXX and I am afraid that of the {$510.00} would be showing up on my statement balance. It currently shows up as a posted transaction and is included in the statement balance. Since the dispute is ongoing, I am technically not required to pay the interest or fees for this charge until the dispute has been resolved. However, even after paying the remaining bills on the credit card, this charge still stays there and if not paid, it gets reported to credit union. 

I requested the bank to help me suspend that transaction or give a probationary credit or do something to take that {$510.00} out of the statement but they said that the cases take 10 days to resolve. In ten days, this balance would have been reported and my credit score would be damaged. 

My credit limit on the card is {$2000.00} and {$510.00} balance would mean 26 % credit utilisation. I have been using this card for the last three months and always I have paid the full statement balance before the cycle closing date. I never even had {$1.00} balance being reported to the credit union for this card. Now, a 26 % utilisation being reported on this card would mean a huge impact my credit score. 

I requested the company to alleviate my situation but in vain.

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 2023-06-27 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: FL

Complaint narrative:
In reference to : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX My account was marked late in the month of XXXX and this is preventing me from buying a home. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code 1681 Section 602, this law states that I have a right to privacy. Under 15 US Code 1681 Section 604.A.2, this states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code 1666.B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.

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 2023-06-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The following issues I am having has been as a result of a take over by Comenity Bank of my XXXX Signature Credit Card originally issued by XXXX XXXX XXXX. This takeover happened during XX/XX/XXXX where Comenity issued new credit card numbers to all its members. Around the same time, I was considering the purchase of a car by XXXX. There were two ( 2 ) separate charges on XX/XX/XXXX for {$1000.00} and {$8200.00} by XXXX charged to my XXXX XXXX XXXX XXXX Visa Credit Card ending in XXXX. 
I did not purchase the car, nor was it ever removed from the dealership lot. The vendor proceeded to process a refund however because the credit card number had changed the refund was not successfully processed. The dealership suggested I contact the Credit Card company to file a dispute. 
Once I learned Comenity had taken over the credit card, I opened a dispute on XX/XX/XXXX with Comenity for the charges to my XXXX Credit Card by XXXX for the purchase of a vehicle. This dispute was filed within 90 days of the credit charge. And without notifying me of the status of my dispute, Comenity closed my inquiry without further notice. This was a violation of my rights to have a claim properly investigated. I re-opened the dispute again in XX/XX/XXXX ( letter attached ) which indicated they would investigate the dispute. I told them the vendor XXXX requested a new account number be provided directly to them so that they can refund the money directly to the credit card issuer as opposed to sending it to me in the form of a check. They opted for this manner of returning the money because it protected them from any claims by the credit card issued for any unlawful actions on their part. 
The attorney for the vendor ( XXXX ) indicated they had not heard from Comenity as of XX/XX/XXXX. 
I received correspondence from Comenity dated XX/XX/XXXX indicating they were unable to locate information regarding my purchase and for me to contact the Service Provider directly. This letter comes despite the multiple calls I made with Comenity on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX to have my issue escalated to Comenity 's Global Disputes team ( XXXX ). On each call I was told no update was available, and I reiterated the vendor is requesting to have the card issuer provide an updated account number to return the money since the original credit card number had changed from XXXX XXXX XXXXXXXX to Comenity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 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: MI

Complaint narrative:
TransUnion reporting excessive use of credit. When my card was used fraudulently and they will not fix

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX, as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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