vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: IA

Complaint narrative:
This is the 13th time reporting the same XXXX account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. 

XXXX and TransUnion have refused to do anything about it. There are so many differences between what XXXX and TransUnion are reporting. 

According to XXXX, TransUnion and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late TransUnion 120 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 30 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX 60 days late TransUnion 120 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late Date of last payment. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX TransUnion 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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account Number XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.

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 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give XXXX XXXX  permission to text or call my phone. This company is sending me text messages. I didn't consent for XXXX to reach out to me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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:
In accordance with the Fair Credit Reporting act XXXX 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 : 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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an unused prepaid {$100.00} gift card from American Express, embossed with my name. Because of covid concerns, I did not eat out for 2 years. Then in 2022 when I tried to use my card, the merchant rejected it. I contacted American Express using the phone number on the back of the card, as well as the number that original number directed me to ( gift card division ). Both told me they have no record of the card. I WAS HOLDING IT IN MY HANDS!!. I went to addresses listed in XXXX to find a local branch in XXXX XXXX AND ALL WERE NON EXISTENT, despite being listed online. Wasted hours trying to find a live person. 

I wrote to corporate headquarters copies of the same detailed complaint to various members of their executive committee. Letters dated XX/XX/2022. One assistant - XXXX XXXX contacted me by email again saying the firm had no record of my card. XXXX  never returned a phone call. 
So I contacted his identified boss, XXXX XXXX, in a second letteer and again restated my case in writing that I had a pre paid card ( expired on its face ) but according to CA and NY law they can't expire. And told him his assistant blew me off by not returning a call to his boilerplate email of we are doing anything. 

American Express never identifies my complaint with an internal code number. So another self serving email by them ( after my second mailed letter ) is sent saying they don't have enough information. Yet with each correspondence sent by me I sent photos of the card, front and back and a photo of my holding it. 
AMERICAN EXPRESS IS STEALING FROM ME. THEY HAVE THE FUNDS FOR PURCHASE OF THE CARD, XXXX WON'T REFUND IT OR PROVIDE A WORKING CARD. Their boilerplate emails say they can't help me because they don't have information. They do. They have the card number ; they have photos. No one ever returns a call, despite offering their number on their emails. 
I BELIEVE THEY ARE VIOLATING FEDERAL LAW AS WELL AS CA AND NY LAW. 

I want the {$100.00} refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
On XX/XX/2022 two letters were sent out by me to XXXX and Transunion ( fraud victim assistance ) I let both companies know that my Identity has been compromised as the addresses, account information, names, employment, phone numbers, are wrong on both Trans union and XXXX and I also have absolutely no knowledge of the inquiries on my XXXX and Transunion. According to the law both companies have 4 days to respond once received. ( 15 USC 1681-2 ) A consumer reporting agency shall block the reporting of any information as a file of the consumer that the consumer identifies of information that resulted from an alleged identify theft ) ). As I sent these letters through certified mail I seen that both companies XXXX and XXXX did indeed receive my letters but did not respond within 4 days now it is 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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-29 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: OH

Complaint narrative:
This is my second complaint. I received another bill today for the amount of {$21.00} which included late fee of XXXX and an interest charge for XXXX. The statement also indicates that previous finance charges and late fees were refunded, totaling XXXX. 
The account is closed and nothing further was charged after the {$5.00} on XX/XX/XXXX, however, Comenity failed to process my XXXX bill pay and a second {$5.00} bill payment until XXXX Their failure to process the first payment timely resulted in my overpayment and being continually harassed and charged late fees and interest charges for an amount that was paid timely and that they acknowledged receipt. 

Please end this continue harassment of bills and impact to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
Halstead FinanciaXXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give Halstead financial permission to text or call my phone. This company is sending me text messages. I didn't consent for Halstead to reach out to me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: WA

Complaint narrative:
I HAVE BEEN TRYING FOR OVER 2 YEARS TO REMOVE A FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE. THIS FRAUDULENT ACCOUNT WAS OPENED IN A DIFFERENT STATE AND IT WAS CHARGED IN A STATE WHERE I DON'T LIVE. I HAVE BEEN TALKING TO DISCOVER BANK AND XXXX TO HAVE THIS FRAUDULENT ACCOUNT REMOVED. THE CHARGES AND THE ACCOUT ARE FRAUDULENT. UNFORTUNATELY FOR ME DISCOVER WILL NOT PROVIDE THE ADDRESS THAT WAS USED TO OPEN THIS FRAUDULENT ACCOUNT. I FEEL LIKE THERE ARE PROTECTING THE THEIF BT NOT HELPING THE VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a account with regions and I stayed getting a overdraft charge they couldn't explain where and how i got them I went and talk to a representative in the bank he was very rude and told me it's nothing he could do until I pay the balance

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 2022-09-29 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account NumbeXXXX XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AZ

Complaint narrative:
I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account Number XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective immediately.

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 2022-09-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX- # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportinq agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My JetBlue credit card issued a refund of {$23000.00} on XX/XX/XXXX. The check was valid for 90 days. I was in XXXX from the end of XXXX to XX/XX/XXXX so by the time I got back and discovered the check it was past the 90 days. The next day I called the credit card company and notified them and was told that they would reissue the check. On XX/XX/XXXX I called the CC company again to find out the status if the reissued check. I was given a complaint code XXXX. The following day I recieved a copy of the check issued on XX/XX/XXXX. I don't know why they sent it since I never disputed that the check was recieved. The issue is that I by the time I got the check it was invalid so I would not even attempt to cash it. 
I am hoping that you can get JetBlue to reissue my check. Also I have closed my account with them. I have given up on trying to access my account on line. I want my bill MAILED to me as I understand that I have a final payment for them of over {$1.00} XXXX, but not as much as they owe me. I don't intend to pay this bill until I get my refund, and I'm not expecting to pay any late fees due to them holding up my refund because that would just be totally unfair. 
Thank you for your time and assistance

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I pay my Huntington credit card through XXXX XXXX XXXX XXXX every month. The payments have been submitted to the same address Huntington provided us for the past five years without issue until XX/XX/XXXX. My payments are auto withdrawal from my account via XXXX XXXX each month and they sent the XXXX and XXXX payments as normal however Huntington never credited my credit card account. I initially called XXXX XXXX to inquire about this in XXXX and left a message for someone to call me. I was not able to talk to them the day they called back and due to a family situation I did not get back in contact with them until XXXX. I received another late notice from Huntington and called XXXX XXXX. XX/XX/XXXX we finally were able to speak to XXXX with Huntington and explained the situation, 2 case numbers were opened for each missing payment. XXXX stated that my payments were going to wrong address and provided corrected address. Asked why after 5 years of sending to address provided initially and no issues that all of a sudden my last two payments werent posted even though they cashed the checks ; she couldnt explain. XXXX XXXX sent Huntington copies of the cashed checks and was told it would be resolved in a few days. On XX/XX/XXXX nothing had been resolved yet and on the XXXX called again ; they said they were still reviewing the informationwe provided the proof of the received checks and them being cashed but they didnt post payment to my account. They turned my account into collections which dropped my credit scores by over XXXX points. On XX/XX/XXXX, we called again because I received another late payment notice. We spoke to XXXX and she said both case numbers are closed and payments posted as of XX/XX/XXXX and XX/XX/XXXX ; only one payment shows posted and not per dates they stated. She stated that my account was current and I need to contact collections to clear things up. I explained they need to do this because this was their error not mine. As of XX/XX/XXXX, second payment they claimed was resolved is still not posted and now Ive received notifications from other creditors that they have decreased my credit limits because of this situation and the whole collection thing. Their error is ruining my credit with other creditors and not by any error on my part and Huntington said its not their responsibility to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S dept 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 2022-09-29 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: NJ

Complaint narrative:
Ive notice a variety of inquires on my credit report. That I have no knowledge of and would like for them inquires to be removed an deleted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive been writing letters to get these inquiries removed an they still have remove them. I dont know or have any acknowledgment to these inquiries

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 2022-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I feel very targeted, Back in XXXX 2020 when we were in both a national and global pandemic, I did just inform the collector that I was just getting back to work after being followed and trying to catch up on my past bills and that I needed a bit more time to settle into a payment plan, even though we were in the height of the pandemic. Shortly after I lost my job in XXXX XXXX, I know the courts were not operating in 2020. After I explained to the agent this, this was the last time I recall hearing back, then the company pursued to filed false documents stating that they tried to serve me with papers, but the papers this company filed were falsified, and I was never served, nor did I receive any notice that I was due in court, so how did I receive a notice stating that the judgment was ruled in favor of the plaintiff, I did not receive due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX SECOND NOTICE TO FAILURE OF GAVE DUTIES!! AND RESPONCE IN TIMELY MANNER!! 

TRANSUNION has failed their GRAVE DUTIES under Tittle 15 USC 1681. XXXX is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the XXXX XXXXXXXX XXXX XXXX TRANSUNION IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. TRANSUNION has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. TRANSUNION is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.

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