vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX  c/o Comenity bank reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Birchwood Credit Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.

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 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. 

I called them and they said I owed half of that for a store credit card, but refused to delete from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I have a sofi credit card open belong with my information but I never opened it. It display the address in XXXX when I'm living in XXXX  and I filed police report, contact with Sofi and also filed credit dispute but not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NY

Complaint narrative:
Experian continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. Experian 's willful noncompliance is causing unnecessary anguish and distress.

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX -XXXX XXXXXXXX -XXXX XXXX XXXX XXXX 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 reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent act.

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 2022-06-24 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: NY

Complaint narrative:
Equifax continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. Equifax 's willful noncompliance is causing unnecessary anguish and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. 

I called them and they said I owed half of that for a store credit card, but refused to delete from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My bank is ILLEGALLY FURTHER FRUAD in an unethical manner and THEY WILL PAY ME OR I WILL PURSUE LEGAL ACTION! 

My bank closed a dispute with a local company XXXX XXXX XXXX who had illegally and fraudulently refused a refund I was already promised .... I have reported them to the XXXX XXXX of Georgia as well as the local DA of XXXX XXXX since there are many other accusations in reviews for the business of similar fraudulent activity .... AFTER CLOSING THE INVESTIGATION, WITH NO WARNING, NO COMMUNICATION, AND GIVING ME NO TIME TO RESPOND THEY HAVE ILLEGALLY AND FRAUDULENTLY CHARGED ME AND I REFUSE TO PAY THEM. 

I told Citibank rep I had EMAILS AND PICTURES SHOWING I WAS PROMISED A REFUND AFTER TELLING THE BUSINESS I HAD DISPOSED OF FOOD AND TOOK PICTURES OF THE FOOD NOT IN THE TRASH BUT BEING TOTALLY DESTROYED. 

THIS IS HIGHLY ILLEGAL, THIS IS FRAUDULENT AND I REFUSE TO PAY FOR THIS, CITIBANK HAS VIOLATED THEIR OWN TOS AND TAKEN PART IN ILLEGAL FRAUD WHILE SHIRKING THEIR FIDUCIARY DUTY TO ACT IN MY BEST INTEREST AND I WILL NOT STAND FOR THIS. 

XXXX ID 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 2022-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I was late on payment this month and received SEVEN calls in one day. I have also received 2 calls in the past hour alone this morning I has a similar situations with them last year and i told them this is harassment and a violation of consumer protections in debt collection. This many calls impedes my work and is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX -XXXX  XXXX -XXXX XXXX XXXX XXXX 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 reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 


XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 


XXXX XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate

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 2022-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have leased three XXXX XXXX for the last decade and I have never made a late payment in regards to this matter ( XXXX  can validate this information without issue ). For several years now XXXX XXXX XXXX website does not work or allow clients to login in, make payments, use their two step authentication in order to validate when they login or finally even change my password. I am filing this complaint for all XXXX XXXX owners in the world experiencing these same issues using there payment portal. I dont think its fair in this modern age that people need to expose there checking account numbers by mailing in checks to the po box . I think the CFPB needs to investigate this issue as a class action lawsuit is deserving in this situation due to the number of people being effected by there payment portals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am unable to get in contact with Discover Bank regarding my funds and the freeze that they have placed on my account. I had transferred {$15000.00} into the account and the account was then frozen. I have tried multiple times to speak with someone on the phone and have waited for greater than 3 hours to speak to a representative. I have spent over 12 hours waiting on the phone, and have been disconnected multiple times. I am disappointed that I am unable to access my funds or speak to anyone regarding the issue. I have been unable to speak with a person from the fraud/security department regarding this issue. It is extremely worrying to have an email that there has been unusual activity and fraud on your account and then be unable to speak with someone and spend a week waiting on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NE

Complaint narrative:
Account was paid off in full XX/XX/2017 but this is still showing up when apartments run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a Int wire transfer of {$10.00} ( XXXX XXXX dollars ) on XX/XX/XXXX, it was approved by CHASE and debited on XX/XX/XXXX, and this is the date ( XX/XX/XXXX ) that the money hasn't arrived, I went to Chase and they just send me off with the words " we already transfer the money '' which is not true, due to the fact, that we contacted the CFPB counter part in the receiving country end and they tracked the money ( without receipt number because chase refuse all 3 times I went there to provide me one ) and told the part of interest in this specific case that the money never left the US and never left CHASE bank.In summary CHASE acted wrongfully, without transparency, made us lose time ( each appointment ), money and lots more. I'm very displeased on how the acted and how the blunt-fully lied to my face with money that isn't theirs to toyed with. 
and lastly how can an institution such as CHASE can make a customer call them for an appointment, make them do the trip to one of their branches, have me sit down, know ( CHASE ) that theyre toying with the money and have their employees lie to my face and tell me that they don't know where the money is and not even a physical receipt i recieved from their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
I was given a verbal agreement that if an EOS CCA account was paid off in full the day of that it would be deleted within 2 weeks from my credit report and Id also receive a deletion letter. I never received any letter and it was never deleted from my report. I called back today to see what could be done and I was given no help and told that its not happening. I spoke with XXXX XXXX the Complaints Department Supervisor who can be reached at XXXX. As a recently separated and XXXX veteran from the United States XXXX XXXX this is causing me housing issues and stopping me from obtaining a VA home loan. I am trying to fix this to better my housing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: ME

Complaint narrative:
XX/XX/2022 Purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2022 Attempted to set up and use the device. The message Sim card not detected was displayed and the device was unusable. When I contacted tech support I was told that this was a KNOWN ISSUE and that there was no fix for it yet, although they had been working on one. I had been knowingly sold a non-working device! I was offered more expensive hot spots for purchase. 
I immediately returned the device, and the return was received XX/XX/2022. 


I expected all charges to be cancelled, as per the Cancellation and Return policy in the agreement I signed with XXXX XXXX quoted below : Cancellation and Return Policy. You may cancel your Rate Plan by going back to the original point of purchase and returning all devices you acquired with your activation within 20 days from your activation date ( Cancellation Period ). 

I cancelled in 2 days. 

Received a bill/dunning notice from XXXX dated XX/XX/2022 for {$130.00} XX/XX/2022 Contacted XXXX  and spoke to XXXX or XXXX. Told that someone would call us on XX/XX/XXXX and that this charge would be taken care of. 

XX/XX/2022 Spoke to XXXX or XXXX and was told that a final statement on XX/XX/2022 should show no charges XX/XX/2022 Collection Agency Bill for {$78.00}. PAY OR LOSE MY GOOD CREDIT!!! 

XX/XX/2022 Spoke to XXXX at XXXX who was unable to help. Could not access my account, could not contact credit agency by telephone. 

XXXX attempted to contact the credit agency several times during their stated business hours and found them closed. 

XX/XX/2022 To protect my credit, I am paying this bill under protest, and at the same time I am filing a complaint with the US CFPB. 
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 explanation