vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : COMENITY BANK/AVENUE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED or DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX CO XXXX ) XXXX* Balance : {$690.00} XXXX XXXX Balance : {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

NAVIENT # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Complaint narrative:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED or DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$61.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am subscribed to Equifax premium service which allows me to lock and unlock my credit report. For the past three weeks, my report been locked and as a result, creditor cant access my report for credit making decisions. I have spoken to several representatives and supervisors but my report continues to be locked as of today. Was giving reference number XXXX. This situation ( report being locked ) is really preventing me from doing what I want because creditors cant approve me for anything if they have to use my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX  XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX  XXXX/XXXX  XXXX

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

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX  XXXX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX  # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-07 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX  # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-07 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:
In accordance with The Fair Credit Reporting Act XXXX XXXX  account number XXXX and XXXX XXXX XXXX  account number XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instruction

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 2022-07-07 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: MI

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX  account number XXXX and XXXX XXXX XXXX  account number XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices SOC SEC ADMIN OFFICE O Account Number : XXXX Delete this account immediately as you failed to perform an investigation 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Failure to perform an investigation XXXX XXXX XXXX XXXX  Account Number : 51 Delete this account immediately as you failed to perform an investigation

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 2022-07-07 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.

Complaint narrative:
While the XXXXXXXX XXXX XXXX  XXXX issued Guidelines regarding non impact of XXXX Score due loan restructuring in the event of Global Pandemic, My XXXX Score has impacted due to appearance of loan restructuring in the XXXX Report. When, contacted TransUnion Customer care, a request number has been generated regarding the issue and was said to resolve the same in 30 days. 45 days passed since the complaint raised. No reply nothing from TransUnion. Also, when tried to contact their Same old Customer Care Number it is saying invalid.

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 2022-07-07 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: TX

Complaint narrative:
I sent my letter off on XX/XX/2022 to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached the CFPB complaint I sent out and here is the Tracking # XXXX According to the FRCA " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 Everything has to be 100 % Accurate. Also I have my credit report showing these inaccuracies. 

List of Accounts : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX If you look at All my credit report from XXXX, XXXX, and Equifax The " XXXX XXXX XXXX is reporting Account type : Open on XXXX and Equifax but on XXXX it shows " Debt Buyer '' on there so how is this 100 % accurate? 

Look at " XXXX XXXX XXXX '' as another evidence of inaccuracies. It shows " Balance updated XX/XX/2022 '' on XXXX but On XXXX it shows " Balance updated XX/XX/2022 '' also " Terms 1 Month '' and " Past Due Balance {$2200.00} ''. Which is NOT REPORTED on my XXXX report. So How is this Verified? 

Also Look at XXXX XXXX XXXX More inaccuracies it shows On XXXX Account # XXXX, On XXXX Account # XXXX. THIS IS A BIG INNACURACY FROM MY PROOF AND EVIDENCE Shown this a Violation of my FRCA USC 1681 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TX

Complaint narrative:
I have a credit card with Comneity Bank called XXXX Credit Card. There website has been down at least 6 weeks. You have no idea when a payment is due on the account. I called in this past month and they took the payment over the phone, a day after the due date. 

I just called in and asked that they verify that my bills are digital because I am in the process of moving. I was told that I have to go online and make the request. Keep in mind that their website is down. What do I do as a consumer with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 5. Failure to perform an investigation XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately as you failed to perform an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: FL

Complaint narrative:
This is a card loaded by a company we do business with based on sales I make with them, 'Wisely ' card issued by XXXX XXXX XXXX  XXXX. 
28 charges were made on this debit card that were not mine, total {$120.00}. Submitted dispute, company immediately replied 'No error. This letter serves as final resolution ' Mailed request for them to supply supporting documentation they reviewed, no response. Called, on hold for 20 minutes, hung up on. 
These were all XXXX charges. I contacted XXXX and they confirmed these were fraudulent charges since made by someone else, purchase of video games from email that was not mine.

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXXXXXX XXXX  account # 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 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
I purchased a {$25.00} prepaid debit XXXX  card that is valid through XX/XX/XXXX. I didn't make any purchases with it that I could find or recall or even verify. The balance on it today, XX/XX/XXXX is {$1.00}. 
I contacted the customer service number on the back of the card to get answers as to why my balance is {$1.00}. 
The customer service lady verified my information on my card, put me on hold and told me that she couldn't find any transactions made with the card and said that she didn't have any explanation for the extremely low balance of {$1.00}. 
She apologized and said that she could only go back 2 years to check for any purchases made. I had no way of knowing that the card would not be accurate 2 years after I purchased it especially considering that the expiration date on it clearly shows that it's valid through XX/XX/XXXX. 
Therefore I lost all of the money that I applied to the card including the fees and taxes when making the purchase just to find out that the card had been drained down to a useless account of money later. The customer service lady had no actual solution, apologized and said that there was nothing she could do to 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 explanation