vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can XXXXXXXX XXXX  report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) XXXX XXXX  XXXX XXXX XXXX. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank Records from XXXXXXXX XXXX that substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than XXXX XXXX XXXX. 
XXXXXXXX XXXX  speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to covid complications from a inpatient stay for 7 days in XXXXXXXX XXXX XXXXXXXX. hospital. 
I already submitted this information via CFPB Portal in writing. 
That should be enough!! 



In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX Comenity Bank/Express XXXX Showing XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can Comenity Bank report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) Comenity Bank / Victorias Secret. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank Records from Comenity Bank that substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than XXXX XXXX XXXX. 
Comenity Bank speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to covid complications from a inpatient stay for 7 days in XXXX XXXX  XXXX. hospital. 
I already submitted this information via CFPB Portal in writing. 
That should be enough!! 



In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
All credit bureaus are reporting incorrect negative information. All accounts are paid never late. XXXX XXXX Bank should be removed. No company responded to 605 623 letters.

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 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called the company to make payment arrangements. The arrangements I made for 3 accounts was for a payment to come out once a month. They pulled the payments twice a month without permission. When I called, they said they would send me a " new '' agreement for the once-a-month payment. I switched to that, but now I need the money they pulled without my permission back.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
All credit bureaus are reporting incorrect negative information. All accounts are paid never late. XXXX XXXX Bank should be removed. No company responded to 605 623 letters.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
All credit bureaus are reporting incorrect negative information. All accounts are paid never late. Wells Fargo Bank should be removed. No company responded to 605 623 letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank- Lowes- 3 month interest free. 

My loan was set to reach maturity XX/XX/year>. 

I logged in and made my payment XXXX there was no payment confirmation provided. 

XX/XX/year> I received an email that payment was due. I checked my synchrony account, as well as my bank account and neither indicated any pending activity. 

Coupled with the lack of confirmation it seemed there was a payment failure. So I followed the email instructions. 

The transaction ended in an error stating I should try again later- this further supported what seemed like the original payment probably didnt go through. 

I tried again. This also ended in an error. 

I called customer service- the loan was put in my maiden name, not aligned with the application, the only payment pending was XXXX and I was assured the rest was a system error. 

As of XXXX synchrony has taken XXXX out of my account 3 times this week- my initial loan was only XXXX! In addition to the second 2 transactions never indicating processing to me, the loan was paid in full with the first one, they had nothing to apply the payments to. 

I have now called customer service 3 times to be told that they could only see one payment, they could only see two payments, and the third time, that the supervisor will not be available until later today despite their posted hours. 

There was an authorization to take payment TO PAY MY LOAN, not to help themselves to my bank account multiple times. I was directly informed a single transaction was processing my first call. I have been given a run around since. The only effort being made in this situation is mine. 

This a predatory consumer practice, their system should have checks and balances to ensure it isnt happening.

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 monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was looking to purchase a house until I was notified about all the damaging things on my credit report 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 XXXXXX/XX/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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was looking to purchase a house until I was notified about all the damaging things on my credit report 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 XX/XX/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 2024-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am writing to express my serious concern about the sudden closure of my two HSBC US accounts on XX/XX/year>. These accounts were : Account Number : [ Account Number XXXX ] - Previous Balance : {$1500.00} USD Account Number : [ Account Number XXXX ] - Previous Balance : {$500000.00} USD I was not notified beforehand about the closure, and upon contacting customer service, I was informed that the decision was made based on " deposit rules. '' Unfortunately, this explanation was unclear and did not provide me with a clear understanding of the situation. 

Furthermore, I requested to keep the funds in my accounts for a 3-day transfer to my HSBC XXXX account XXXX However, my request was denied, and the bank opted to issue an international check instead. This process raises several concerns : Delay : The check issuance and delivery process can take up to 40 days, causing significant inconvenience. 
Fees : There are associated fees for collecting the check internationally. 
Security : International checks can be less secure than electronic transfers. 
Due to these concerns, I request : Account Reversal : The immediate reversal of the account closures and the return of my funds to their respective accounts. 
Transfer Facilitation : Support in facilitating a swift and secure transfer of the funds to my HSBC XXXX account. 
Compensation : Compensation for the inconvenience and distress caused by this unexpected closure and lack of clear communication. 
I have always strived to maintain a positive banking relationship with HSBC US. I kindly request a prompt resolution to this matter. Please contact me at your earliest convenience to discuss these concerns and arrange a solution. 

Thank you for your time and attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/2021 - Settled as discussed but appearing as a negative XX/XX/2021 - Settled as discussed but appearing as a negative

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
I received a catalog from SEVENTH AVENUE in XX/XX/year>. I needed a small computer with headphones so that I could listen to music in my apartment without disturbing the neighbors regardless of the time. I attempted to purchase one that was to be engraved. However I had to call C/S because I applied for the offered credit line and it was not automatically approved. I spoke to the XXXX representative who told me about the computer that they have a lot of issues with them. So I advised her to please cancel the order. She then wanted to know if I still wanted the credit line... I said sure ... She indicated that she or someone from SEVENTH AVENUE would call if I was approved for credit and before anything is shipped out to me. The next thing I know is that I have a package from them ... I called and asked who authorized this to be shipped ... I thought that I cancelled the order and was to receive a call first. Anyway, I wasn't going to pay to ship it back plus insurance ... No No No I think she asked me to use it and told me that it would not work for long..it would just suddenly stop charging but I would receive a full refund. So, I used it ... checking email mostly not too many things... so I email and call and I have to send the computer back... I asked them about the personal and business information on the computer ... how would that be handled ... they would be responsible for any problems or issues that resulted in theft or break ins to my accounts utilized on the computer during shipping and beyond if my information was not erased completely. Privacy Concerns. Finally they decided to apply a credit to the account original charge {$140.00} on XX/XX/year> ... credit was applied on XX/XX/year>... I received a phone call stating that the charge would be reapplied to my account because the computer was never received on XX/XX/year> charge was reapplied... I didn't authorize either charge. SEVENTH AVENUE knows about the problems with these computers... and just wants to SCAM potential buyers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I recently reviewed my credit report and found several late payments from Santander Consumer USA with account # XXXX, the company violate the Fair Credit Reporting Act section 1637 ( b ) of this title, I am asking Santander to provide clear copies that have mailed to me or delivered not later than 21 days before the payment is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Checked XXXX XXXX report on XX/XX/year> and notice a XXXX XXXX XXXX account on my credit report with a limit of {$700.00} and {$170.00} has already been spent. Looks like a hard inquiry was done on XX/XX/year> and a card was issued the middle of XX/XX/year>XXXX XXXX customer care service number is XXXX and correspondence address is XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX shows information as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OR XXXX XXXX I have place a credit freeze on credit report through Transunion and they stated they would notify XXXX and XXXX. The XXXX account was not on the Transunion, but was seen on the XXXX account.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2024, I received a statement from Comenity Bank for XXXX XXXX XXXX credit card. I created an account on their online portal, but I was unable to sign in. When attempting to log into their online portal, the submit button returns you to the home page. I called their customer service 4 times over the course of 4 days, and all of the agents told me there was an issue with the website and it would be restored shortly. Its been over 5 days ( 4 business days ) and the website still hasnt been restored. I am unable to pay my bill.

Company response to consumer: Closed with explanation