vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. 

Inquiry XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably cause to believe that the information is inaccurate. 
Inquires

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Dear CFPB, Last fall, I successfully applied for a XXXX XXXX credit card and purchased a pair of XXXX blue jeans. The cost of the blue jeans was {$95.00}, and I paid off the entire balance by personal check on XXXX XXXX, XXXX. However, Comenity Bank has continued to charge me $ XXXX in interest on a {$0.00} balance. 

According to the my most recent statement, I currently owe Comenity Bank {$250.00}. I have attached a number of screenshots from the Comenity Bank website as documentation as well as a screenshot of my Bank XXXX XXXX statement, revealing that Comenity Bank cashed my check for {$95.00} on XXXX XXXX, XXXX 

How is it possible that I owe Comenity Bank and XXXX {$250.00} on a {$95.00} purchase that was paid off XXXX months ago? 

My complaint is that Comenity Bank and XXXX are engaging in deceptive and predatory credit card/lending practices for the sole purpose of defrauding their customers. I refuse to pay junk fees and non-existent interest on {$0.00} to Bread XXXX, Comenity Bank, and/or J.Crew. Bread XXXX, Comenity Bank and XXXX are engaged in a scam to bilk customers out of their hard-earned money. 

Thus, any assistance the CFPB could provide would be greatly appreciated. 

Feel free to contact me directly if you have any questions. My cell # ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 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:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$400.00}, Accounts : XXXX XXXX XXXX Date Opened XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a complaint against the three major credit bureaus ( XXXX, XXXX, and TransUnion ) for their failure to provide me with a history of disputes as requested in a letter dated XX/XX/2023. Despite my request for the information, the credit reporting agencies have refused to provide me with a history of disputes, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a written request to all three major credit bureaus for a history of disputes, including any investigation results, that I have submitted to the credit reporting agencies in the past 36 months. However, instead of providing me with the requested information, the credit bureaus only sent me a copy of my credit report, which does not contain the requested information. I followed up with the credit bureaus to request the history of disputes again, but they have continued to refuse to provide me with the information. As a result, I believe that they are in violation of the FCRA, which requires credit reporting agencies to provide consumers with a free copy of their credit report and a history of disputes upon request. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against the three major credit bureaus for their failure to comply with the FCRA. I have attached a copy of my original request for a history of disputes, as well as any other relevant documentation that I have regarding this matter. Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support this complaint.

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 2023-05-04 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: LA

Complaint narrative:
1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX  ACCT # : 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 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 than 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 explanation
Consumer complaint received 2023-05-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date 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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
1 ) I did a balance transfer of {$53000.00} from XXXX XXXX XXXXXXXX Credit Card to Target Mastercard on XXXX 2 ) Target Mastercard returned the payment of {$53000.00} CLAIMING they reversed the payment the same way they got it via Fiserv a 3rd party intermediary used by XXXX XXXX XXXXXXXX. 
3 ) I called Target multiple times in an attempt to track down the money and was given the following information on the {$53000.00} reversal amount by XXXX from Target XXXX ~ XX/XX/XXXX : Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ET {$53000.00} 4 ) I called XXXX XXXX  XXXX - XXXX XXXX advised the following - XXXX XXXX XXXXXXXX Credit Card sent money directly to Target Mastercard for Balance Transfers and does not use 3rd party Fiserv for that purpose - If funds were actually reversed exactly how they were received that XXXX XXXX XXXXXXXX would show the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: MS

Complaint narrative:
zions debts holings is reporting a fraudelent account that was opened in my name due to identity theft .im filing this complaint because of identity theft.15USC 1681 this account supposed to be removed in 4 days not 30 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$400.00}, Accounts : XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX Closing Date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: OH

Complaint narrative:
Zion Debt Holdings was told not to contact me and they started texting me about a Debt that is not mine. I have told them on neuromas occasions.not to contact me. This is not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: EQUIFAX, INC.
State: VA

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. 

Inquiry XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably cause to believe that the information is inaccurate.

Inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: VA

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. 

Inquiry XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably cause to believe that the information is inaccurate.

Inquires

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 2023-05-04 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : 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 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 than 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 2023-05-04 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: HW Holding, Inc
State: GA

Complaint narrative:
XXXX, XXXX KNOW THIS COMPANY OR ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics bank car loan accounts are being charged late fees and applying payments to the wrong accounts when utilizing their mobile app. 
Picture of XXXX accounts show that they are in the same mobile app. But you can only choose the XXXX XXXX because its the one with the oldest due date. So if I were to select the XXXX and make a payment it will default to the XXXX. So if Im not checking the account description I wont be in the correct account. The app will divert back to the XXXX. 
Mechanics Bank is aware of this known issue and will not resolve the issue. 
This has impacted consumers by : - Giving {$10.00} fee to make phone payments- Applying the payment to wrong account resulting in late fees and penalties - Inability to get a hold of customer service after hours in order to make payment on mobile app to avoid late payments - you are not allowed to choose which account to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
Hard Inquiries XXXX  XXXX XX/XX/XXXX FNB Omaha XX/XX/XXXX Disputed with companies, no open accounts associated with 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 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR

Complaint narrative:
I got my mobile home in 2019 and was making auto draft payments. Last XXXX my payments went up from {$460.00}?? to {$660.00} with no warning. I called and was told they paid my property tax and an estimated ins increase. I asked why, they hadn't paid the first XXXX years. Apparently I signed something at the beginning to ok them to pay. They had no explanation to why they didn't pay the first XXXX yrs. I was told my escrow was short. I asked how could that be with me paying in on the escrow for XXXX yrs and they hadn't paid the taxes, there should have been more than enough. They said I got a refund, which I did not. They refused to refinance, or take any late payments off, and I got a budget lecture and told me to tell my son to drop out of college to pay his own way. After several phone called I talked to a manager and explained I was a XXXX XXXX with XXXX in college and just barely getting by paying bills. She said to just pay a partial payment and that would keep me from loosing my house as long as I was paying on it. I received a letter saying I was in default from not paying in XXXX  months. I called yesterday and was told that I haven't paid in XXXX months so I was in default. I told them the dates of my payment ( which was from $ XXXX {$550.00} ). They told me my payment was applied, my next months payment went to the previous months balance, then the remaining balance went to the next month etc which put me in not paying for XXXX months. My credit and financial is hurt and I can't get a loan to refinance since I used credit cards to pay for groceries and gas trying to keep up. Not only did I not receive refunds, they did a few reversal payments with no explanation.

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