vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
Om XX/XX/22 we opened a line of credit with Zales/Comenity Bank and made a purchase for {$670.00} on a ring to be special ordered due to sizing. I never received a card from Zales/Comenity. I made the first payment of {$80.00} on XX/XX/22 ( there was a {$30.00} charge for a late fee ). On XX/XX/22 the ring came in but was not the correct size. At the time, I returned the item and canceled the transaction. I received a receipt from Zales the order was canceled. I am in the process of obtaining a VA Mortgage Loan and the status of this account is currently the only item holding up the process. The mortgage company asked that I lower the balance due to less than {$400.00}. There was a " planned outage '' with Comenity that they have not received the refund credit nor applied it to the account. I made another payment of {$230.00} on XX/XX/22 to bring the balance due down to less than {$400.00}. I have requested through multiple avenues to have the account rectified and a letter or statement advising the updated payment and balance. Comenity is advising there is nothing they can do for me at this time as their systems are not working appropriately. At this point, I am owed {$280.00} from this bank as after the returned item and refund I am continuing to make payments to satisfy the VA request. We are XXXX  days out from closing and need this rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Since Bread XXXX took over Comenity Bank or partnered with them. I can't access the website or contact customer service. The Bills are not coming to my home nor I can call and speak to customer services. I have XXXX, XXXX, XXXX, and XXXX XXXX XXXX  cards and can't contact customer service. They changed my XXXX number and when I try to gain access by calling they make an announcement that they can't talk right now. The statement on the website : You can now check your balance and make a payment online by signing in below or using Comenitys EasyPay. If you made a payment thank you! You may not be able to review your payments as quickly as youre used to ; we are working to restore this feature. We know the recent system outage has been frustrating and we are working to ensure a fair resolution for impacted customers. 

However, I can't gain access to my account since XX/XX/2022. Then when you call there is no customer service online. I paid by phone. Then I checked the website they took me off the website because I had an Identity theft by Bread XXXX and called the police. Then customer service tells me to send an email and they never respond. There is a need for an investigation with Bread XXXX who partnered with Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2022 a public record ( bankruptcy ) was removed from my account. I have provided proof on many occasions as well as providing support to assure the information. regardless of how much evidence I provide the companies refuse to remove resulting in defamation of character. Making my life more difficult because the people who rely on my accurate credit report are receiving inaccurate and untrue information. My consumer rights are blatantly being violated and they are getting away with it.

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 2022-07-05 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:
Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a 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 2022-07-05 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: LA

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Multiple inquiries on my credit report that I did not authorize 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

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 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
And accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX states that I had a late payment of {$740.00} past due as of XX/XX/2022 and the account is still open but that is false information. 

I had an open dispute with XXXX, XXXXXXXX  and my bank because I was due a full refund because of a canceled vacation. I was sent an email by XXXX on XX/XX/XXXX & XXXX, stating that my refund has been processed which was the full amount. I've never made a late payment to XXXX. XXXX states that since there was a chargeback between them and my bank, it caused the system to show that I haven't paid the money since it was returned by the bank. XXXX falsely accused me of making a late payment while we were in the middle of the dispute and refund process. I even made a payment to XXXX on XX/XX/XXXX while I was waiting on the process to finish to avoid any late payments.

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 2022-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My father, XXXX XXXX, took out a mortgage on 5 properties for {$100000.00} on XX/XX/1976 from XXXXXXXX XXXX XXXX XXXX was purchased by XXXX XXXX  who was then purchased by PNC Bank. My father is now in a XXXX home and I am his XXXXXXXX XXXX XXXX. We are trying to sell 2 of the properties and their are leins still on the mortgage. The other 3 properties on this mortgage have been sold in the last 30 years with no problems. PNC has no record of this Mortgage in their system. I spoke to Representative XXXX in XXXX XXXX  and hired an attorney to file a letter for PNC to give us a letter of satisfaction on this mortgage. PNC stated they would remove the leins on XX/XX/XXXX and then decided against it on XX/XX/XXXX. They are now requiring me to do a full deed search at a cost of over {$1000.00}. Shouldn't the burden of proof lay with PNC? They have since ceased communication and I've been advised by my attorney to file a civil suit against them. Please advise me on how this can be resolved. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My check account was locked out and froze by Huntington National Bank on XXXX XXXX XXXX  I was locked out with out any notification.. 
Between XXXX XXXX XXXX  and approximately XXXX XXXX XXXX Huntington National Bank Fraud Department allowed obviously forged counterfeit fraudulent checks to be deposited into my account.Even though I was locked out and froze for suspicion of fraud. I dont know the exact number of forged counterfeit checks that were allowed by Huntington National Bank Fraud Department to be deposited into this froze account or how many thousands of dollars were laundered. I do know that I should have north of XXXX to the good at my disposal today. I am mentally XXXX and a vulnerable Adult.Huntington National Bank Fraud Department took my regular scheduled social security direct deposit and put it on hold sometime around midnight XX/XX/2022. The funds in the amount of XXXX were then placed in to said locked firing foreclosed account somewhere around XXXX am on XX/XX/2022 Huntington National Bank Fraud Department took my check and with held it to pay the negative balance and every line item overdraft fees on the account. 
They were so gracious to allow me to have XXXX of my money out of my Rightful more than XXXX of my dollars. They have embezzled my Government only source of income to pay for their incompetence in allowing XXXX of dollars of obvious known counterfeit forged checks to be funded when I had no access, or alert or knowledge that something was happening. Even today XX/XX/2022 Huntington National Bank Fraud Department refuses to even reverse 1 accessed overdraft fee to bc allow me to bc go bc buy something to eat. I bc went from Monday XX/XX/2022 to bc Saturday XX/XX/2022, with out so much as a crumb to eat due to Huntington National Bank Fraud Department not allowing me access to XXXX XXXX of my missing over XXXX cash.And to make matters worse, when I asked a Huntington National Bank Customer Service Specialist if I could somehow apply for a small loan to pay my rent, I was flat out told no.. Have no right as a human being to try to apply for a small loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
And accordance with the fair credit reporting Act XXXX account # XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have received a response from XXXX on their full investigation and they corrected all inaccurate information and removed all personal information. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, just to underline a few laws under FCRA you violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of account below has violated me federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Please remove all inaccurate personal information and inaccurate accounts, everything that is highlighted is either inaccurate information or violating my FCRA rights. I will attach copies of XXXX response and my last credit report to prove the information for Transunion and XXXX has not changed and they are continuing to violate my rights as a consumer.

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: WI

Complaint narrative:
I paid off the debt and they have not reported it to the credit bureaus and have not removed the accounts in full like 7 other accounts that i paid off on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 : 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 non-monetary relief