vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Comenity is the card provider for XXXX XXXX. I set up autopay on XXXX XXXX site. I did not charge any purchases for a period of time. When I did, I expected the auto payment would pay the balance in full. It had been turned off- not by me. 

Comenity is indicating XXXX, my bank, has a stop payment on payments to Comenity. XXXX has no record of any stop payments and sees no indication of any request for payment being declined- to anyone, including Comenity. 

I filed a complaint and requested Comenity provide proof of the stop payment or payment being rejected by XXXX. Comenity did not -- hey simply stated the payment did not process. They have not verified that it did not process because of their procedures relative to their auto payment tool and system settings that would have the election go dormant after a period of time. I was charged multiple returned check fees because they said XXXX had a stop payment. XXXX indicates there was no stop payment in place. The account had plenty of funds to cover the full balance and I have overdraft protection so there is no reason on XXXX 's side for the payment not to go through. Payments had been made previously without issue until there was a break in purchasing activity. 

I closed the account and paid the balance in full. Comenity sent me a refund for the overpayment which resulted when they refunded one fee. I somehow now have an outstanding balance on an account that was closed- no new activity- but there's {$7.00} due on an account paid in full and closed. 

My initial complaint was NOT to request a refund of fees -- Comenity did not read my complaint, they simply assumed I wanted fees refunded. Please actually read my statements ( Complaint XXXX ) and understand I am not requesting a refund now. I'm asking you to review the autopayment process and provide evidence of the payments being declined by XXXX. I believe the payment never left your system because my auto-pay had been disabled due to nonuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from Experian such as XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, And XXXX XX/XX/XXXXXXXX XXXX XXXX there are also two addresses reporting to Experian that I have never lied or have no connection to, that I would like to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Inquires report as theft as well as not with my permission. Dont recognize this inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
In Violation of The Medical Debt Relief Act 2023, a " Statement : Placed for Collection '' With Credit Bureaus & My Credit Report, by MBA LAW Other Collection Agencies. 

The MBA LAW Other Collection Agencies, LAW OFFICE OF MITCHELL D. BLUHM and XXXX XXXX XXXX, XXXX TX XXXX, violated Section 2., Amendments Section 603 of the Fair Credit Reporting Act ( 15 U.S.C . 1681a ) and Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ), The Medical Debt Relief Act of 2023 prohibits the inclusion of medical debt on a consumer report, and for other purposes.

SEC. 2. AMENDMENTS TO FAIR CREDIT REPORTING ACT. 
( a ) MEDICAL DEBT DEFINED.Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) is amended by adding at the end the following : ( bb ) MEDICAL DEBT.The term medical debt means a debt related to, in whole or in part, transactions, accounts, or balances arising from the receipt of medical services, products, or devices.. 

( b ) EXCLUSION FOR MEDICAL DEBT.Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ) is amended by adding at the end the following : ( 9 ) Any adverse information related to a medical debt, including a medical debt that was placed for collec- tion, charged to profit or loss, or subjected to any similar action.. 

( a ) DEFINITIONS.In this section, the terms cred- it and creditor have the meanings given those terms in section 702 of the Equal Credit Opportunity Act ( 15 U.S.C . 1691a ). 
( b ) REQUIREMENT.Not later than 1 year after the date of enactment of this Act, the Director of the Bureau of Consumer Financial Protection shall amend section 1022.30 of title 12, Code of Federal Regulations, or any successor regulation, to ensure that creditors are prohibited from obtaining or using information relating to the medical debt of a consumer in determining whether or not to extend credit to that consumer.Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reached out to the three credit bureaus and asked for method of verification for a Bankruptcy. They informed me that they got their information from the Bankruptcy court. I reached out to the bankruptcy court and they informed me by letter that they are not responsible for verifying or validating information from consumers credit files.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to the three credit bureaus and asked for method of verification for a Bankruptcy. They informed me that they got their information from the Bankruptcy court. I reached out to the bankruptcy court and they informed me by letter that they are not responsible for verifying or validating information from consumers credit files.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: NY

Complaint narrative:
{$1800.00} XXXX XXXX XXXX XXXX XXXX. 4 payments 4 Payments made and requested update but no response by phone or email ( ghosted )

Company response to consumer: Untimely response
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello CFPB, I had opened a Personal Checking account with Citi Bank in Summer of XXXX. 
I funded the Citi Bank with a total of {$33000.00} in 3 separate transactions below from my originating bank, XXXX. I have also screenshotted these 3 transactions from my originating bank. 

XX/XX/XXXX - {$25000.00} wired via XXXX XX/XX/XXXX - {$7300.00} transferred XX/XX/XXXX - {$1000.00} transferred I was notified in the Summer that Citi Bank had shut down my account and that I would receive a check for the balance on my account. On XX/XX/XXXX, I received a check for {$1000.00} with a memo saying Closeout Disbursement. 

I have been contacting Citi Bank 's support and fraud line for weeks to try to recover my remaining {$32000.00} in funds. Every time I speak with them, they tell me that because the account was closed they do not have any information on the balance of the account and information on how I can get the remaining {$32000.00}. 
I was told they would contact the back office and provide me with an update within 48 hours, however that never happened. 

Citi also recommended me to go to a branch, however Citi doesn't operate any branches in Texas, which is where I live. 

I would really like assistance in recovering my remaining {$32000.00} in funds, as it is a large balance. I appreciate yours and Citi 's assistance with this matter. 

Many Thanks, 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 2024-01-28 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Due to the XXXX data breach there are accounts on my credit report that do not belong to me. Please see my previous complaint # XXXX XXXX in which it was found that XXXX was deleted from my XXXX credit file XXXX This account is still reporting on my Experian and XXXX reports. Since this account does not belong to me I kindly request it be removed from these reports as well. It should also be noted that this fraudulet accout appears twice on my credit reports, I am asking that they both be removed as they do not belong to me.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I setup auto pay when I got the card, and have had no problems with payment. The other day I went to use the card and it was turned off. I called and they said it was from a late payment. The late payment was for a late payment fee. My payments are scheduled and processed by them, I have no control over an auto payment. If they have internal processing issues and charging customers late fees that is fraud. I called and the lady said that she removed the fee, it is not removed, and it is also making my rates change and cascade, I think this is a scam they are pulling. I tried calling again and waited on hold for over 3 hours before hanging up.

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 2024-01-28 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently sent a letter to XXXX Credit Bureau on XX/XX/2024 about late payments reporting on my account that are not accurate. These items have already been removed from my XXXX report and under 15 U.S.C 1681e ( b ), I have the right to fair and accurate reporting.

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 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX . The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this 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 non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX . The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX . The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this 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 explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief