vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/scrub>/2024, I received an email ( see attached ) from Comenity regarding the expiration of my 0 % promotional financing offer through XXXX & XXXX XXXX, which required the promotional balance of {$7600.00} to be paid in full by XX/XX/scrub> 2024 to avoid interest. This was in line with the most recent statement that I received prior to the end of the promotional offer which explicitly stated those same requirements ( see attached ). 
In full compliance with those requirements, I scheduled and made XXXX payments as follows : {$270.00} on XX/XX/year>2024 to cover the monthly minimum payment required on XX/XX/year>2024. {$7400.00} on XX/XX/year>2024 to satisfy the remaining promotional balance. Following these payments, I verified that the promotional balance was {$0.00} ( after the interest fees were applied to my account I then took a screenshot that shows my account had a {$0.00} balance on the promotional offer, it also looked the same way after my XXXX payment. That screenshot is attached ). 
However, despite my adherence to the terms, my account was charged full interest on the promotional balance. When I contacted their customer service team, I was initially told that this would be easy to resolve ( after explaining what happened she said " it's your lucky day, I'll be able to fix this for you '' ). Then after a brief hold she came back and said that in fact she would not be able to resolve the issue and did not provide any reason as to why ( I would guess the company has a recording of this call ( I think it was on XX/XX/scrub>/2024 ). I sent a formal dispute letter to the company along with the documents that I have also attached here. They first responded with a letter that stated my account and finance charges would be suspended during the investigation, and later received a letter that said they did not accept the dispute and did not provide a reason as to why. They have now submitted XXXX " delinquent account '' notices to XXXX and XXXX and continued to assess late fees despite the dispute and in spite of the fact that all balances were paid in full on time. I am begging for help to resolve this situation with this predatory creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A rental agency requested my credit score through a third party company by the name of Screening Reports. Screening Reports requested my score from Experian. Experian provided them with an incorrect score that does not reflect my accurate score. They then sent that information over to the rental company which caused my application to wrongfully be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Round Up Ventures, L.P.
State: MT

Complaint narrative:
I took out a {$2000.00} loan on XX/XX/year>. Since then I have paid a total of {$2200.00} but it says my balance is XXXX. The loan agreement has the interest rate being over 200 %. This is an illegal tribal loan in MT. I have paid back more than the loan was yet still owe more than the loan was. I have contacted them, submitted a XXXX  complain and submitted a dispute on my credit report all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) I am filing a formal complaint regarding a fraudulent account that has been incorrectly reported on my credit report. This account does not belong to me, yet it continues to appear despite my repeated disputes. Furthermore, the credit reporting agency has inaccurately stated that I disputed this account by mail when, in fact, I submitted my dispute online. The recorded dispute dates are also incorrect, raising concerns that someone may be attempting to impersonate me and commit identity theft.

In addition, I have been a victim of identity theft and have experienced XXXX separate burglaries, which I have reported to law enforcement. I have attached copies of my police reports as supporting evidence. Given these incidents, I believe my personal information has been compromised and fraudulently used. 

Requested Resolution : Immediate removal of the fraudulent account from my credit report.

Correction of dispute records to reflect the accurate dispute method and date.

Written confirmation that the fraudulent account has been removed and will not reappear.

Placement of a fraud alert or security freeze on my credit report to prevent further identity theft attempts. 
A thorough investigation into how my information was incorrectly linked to this account and what measures will be taken to prevent future errors. 
This situation has caused significant distress and financial concern. I urge the CFPB to take immediate action to ensure the credit reporting agency properly investigates and resolves this matter. 

Attached : Police reports documenting XXXX separate burglaries. 

Sincerely, 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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
XX/XX/XXXXXXXX  Complaint Summary and XXXX  I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following identity verification XX/XX/XXXX. Upon linking my savings account and funding the exchange account, I began to acquire XXXXXXXX XXXX  and XXXX XXXXXX/XX/XXXX. On XX/XX/XXXX, I completed a small test transfer of XXXX to my self-custody cold storage wallet without any problem. I attempted to initiate a follow up transfer and received an error message. After multiple unsuccessful attempts to transfer, on XX/XX/XXXX, I put in a support request for assistance. At no time was there any indication in these error messages of a potential security hold, nor did I receive any communication from XXXX XXXX notifying me of the hold. 

With XXXX XXXX XXXXXXXX being a licensed regulated Exchange, and knowing I have not violated their terms of agreement, nor had I violated any laws, I believed a release of the hold was forthcoming, continued to acquire virtual currency through XX/XX/XXXX. On XX/XX/XXXX, after the promise of an expedited resolution XX/XX/XXXX, XXXX XXXX, I came to believe XXXX XXXX may drag this out indefinitely. Worse yet, close my account and force me to sell my currency at a loss. In fact, On XX/XX/XXXX, they did, suggest I could sell my currency for XXXX. Of course, this was not an acceptable resolution as I had paid them {$3800.00} in fees, and acquired {$250000.00} in virtual currency having paid a total of {$250000.00}. My intent for this investment was long-term hold, but with the volatility of the market, this would result in a substantial loss. Additionally, there was no offer to credit the fees they were paid. 

While I did search for reviews on this company before selecting to go business with them as an exchanger, after experiencing the difficulties I have, Ive researched XXXX XXXX via many search engines. This process has revealed there are many other consumers experiencing same/similar problems I also searched several other exchanges the same way, and did not find anything like what I found for this company. Im including print screens of customer reviews, and BBB info to demonstrate there may be broader problem with XXXX XXXX, than just my complaint. 

As of the date of this complaint, it is now 65-days since the problem began, with no sign of resolution. Additionally, I would like to point out that there was no reason for this company not to request all information it would need in the first response instead of staggering out each request by multiple weeks in-between.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
COMENITY BANK ( XXXX XXXX CREDIT ) XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX COMENITYCAPITALXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX Consumer Dispute  XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Removal XXXX XXXX late & XXXX remark XXXX XXXX ) from Comenity Bank ( XXXX XXXX Credit ) account ending in XXXX. 

Re : Removal of XXXX late & negative remark ( XXXX ) from credit file/report ( i.e. XXXX, XXXX, XXXX XXXX regarding Comenity Bank XXXX XXXX XXXX XXXX ) account ending XXXX XXXX. 

Re : XXXX of XXXX XXXX ( XXXX ) based on the removal of XXXX late & negative remark ( XXXX ) from Comenity Bank XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, XXXX, XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my Comenity Bank ( XXXX XXXX Credit ) account XXXX XXXX XXXX. This is the XXXX time this incident has occurred. On XX/XX/XXXX, a XXXX delinquent notification was applied to my account. ( see attached XXXX Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus XXXX, XXXX, XXXX. As a result, my XXXX scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX XXXX XXXX ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX et seq., XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), I would like to request the following : a.Removal of XXXX late & negative remark ( XXXX ) from Comenity Bank XXXX XXXX XXXX XXXX ) account ending in XXXX XXXX 

b.Removal of XXXX late & negative remark ( XXXX ) from credit file/report ( i.e. XXXX, XXXX, XXXX XXXX regarding Comenity Bank XXXX XXXX XXXX XXXX ) account ending XXXX XXXX. 

c.Adjustment of XXXX XXXX ( XXXX ) based on the removal of XXXX late & negative remark ( XXXX ) from Comenity Bank XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They were unable to verify accounts and closed them. They did not delete them from my record. Please have TransUnion delete them now! They are the only bureau still reporting these unverified fraudulent charges. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and verifiable information. If a closed account is still reporting incorrectly, it may be a violation of your rights. 

Delete : XXXX. XXXX XXXX. - it appears twice XXXX. XXXX XXXX Please have them delete these immediately. This is violating my rights. 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 non-monetary relief
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to 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 2025-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: PA

Complaint narrative:
In XX/XX/year>, they called my work, my mother and my sister asking for money. I told them they do not have permission to call my sister or me at work and asked that they remove the information. 

They called my sister again today and stated I added her to the account when I signed for to loan. That is false because 1 she was a XXXX and 2 she didn't even have a phone number yet. They also listed XXXX other people they were calling who I never added to the account. I asked them to provide me written documentation of when I added them to the account. 

Additionally, I asked in XXXX and again today for them to comply with The Fair Credit Extension Uniformity Act, they far exceed 7 calls in 7 days ... sometimes it is close to 7 calls per day. 

Additionally, I have been paying them at least {$600.00} every month since XXXX and prior to XXXX my payments were on time through auto pay for years. After a mistake causing one rejected payment they canceled my auto paid and would not allow me to pay online only if I called them and they harassed me. The loan company is Mohela and acutally it was for a loan with XXXXXXXX XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AZ

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX  Bankruptcy Discharged - XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to 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 2025-02-13 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: FL

Complaint narrative:
I have enclosed my FTC Identity Theft Report, proof of my identity and all the fraudulent items showing on my credit report. 605B of the Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Account Has Not Been Updated Since I Paid It Off My Discover Debt. 
Paid In Full For The Amount Of {$400.00} Account Number Ending In XXXX

Company response to consumer: Closed with explanation