vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank XXXX XXXX Credit Card, XXXX Credit Card and XXXX Credit card. Trying to make payments, website not accessible due to their own glitch. Can not reach anyone via telephone to make a payment. Have tried on several computers to access my accounts. I have a payment due tomorrow and have been trying to pay it for five days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld is reporting a debt that has not been verified. I sent a ertified letter to Transworld over 30 days asking for verification of the original debt but have not received any verification from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
Those Accounts arent mine, I never Authorized those Accounts to be opened. XXXX XXXXXXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX 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 2022-06-27 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:
Those Accounts arent mine, I never Authorized those Accounts to be opened. -XXXX XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/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 ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is 5th time disputing the same acct XXXX XXXX XXXX XXXX Acct ending in XXXX with equifax i told equifax this acct is closed, but equifax says they show this acct as " open '' stating that the acct is open and they have verfied as accurate. I have also filed 2 complaints with C.F.P.B ( XXXX ), for this same acct and Equifax keeps telling me that they investigated and found that the reporting of the acct as being open is accurate.I find this somewhat strange considering i have called the reporting creditor myself " XXXX XXXX XXXX XXXX '' and i was told they are reporting the acct as closed to all 3 credit bureau 's, which i do believe since XXXX  reports it as closed and XXXX  report it as closed as well.So i suspect Equifax has been doings sham investigations, since that could only be the reason because i have disputed this acct 5 times and they come back everytime saying they verified the information as correct, which is impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: NC

Complaint narrative:
improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I made a payment on XX/XX/2022 that paid off the loan. XXXX XXXX ( LoanCare ) recorded the final payment on XX/XX/2022. To date 3 weeks later ( XX/XX/2022 ) the final payment of $ XXXX has not been applied to my loan and is sitting in a suspense account. I have tried again and again and again to get XXXX XXXX ( LoanCare ) to record the payment and they refuse to do so. they claim many reasons but it has been 3 weeks already. Every time I call I get a different story. 

In addition XXXX XXXX ( LoanCare ) has sent me two different payoff statements. Each is incorrect and XXXX XXXX ( LoanCare ) has confirmed that the payoff statements are incorrect. They charged me for both of the incorrect statements.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I noticed a fraudulent charge on my comenity Mastercard from XXXX. I called comenity and they said they would issue me a temporary credit while they investigated. They also said they would issue me a new card so that no further charges could be made on the account. The next day, XX/XX/XXXX, their website said they were down for a scheduled update and all that you could do is make payments. I have checked every day since then and the same error message shows up on their site. This morning however, I now get the error message that my account is closed. I tried calling the company and I dont even have the option to wait for an operator, it just says call back and hangs up on you. I need to know whats going on with my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed 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, has violated my rights. 


15 U.S.C 1981 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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX 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, has violated my rights.

15 U.S.C 1981 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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I placed a freeze on my credit report with the XXXX major credit report companies ( Experian, XXXX and XXXX ) when XXXXXXXX XXXX  Staff information was breached back on XX/XX/2021. 

Now, I did lift the freeze on all three credit report companies because I am applying to lease an apartment here in XXXX XXXX. However, the leasing office of the XXXX rental management companies I applied for are saying they can not check my credit. Hence I could not lease none of my chosen apartments. I live in the great XXXX XXXX area and availability on good locations are short and expensive. 

I was successfully on contacting and speaking with a specialist at XXXX and XXXX. they were able to verify if there was anything else preventing the leasing office of checking my credit. 

However, I have not been successful talking to a human over the phone. Just the automatic service. Which has very limiting options. 

As I don't know if Experian has anything sill blocking a legitimate rental management of checking my credit, I don't know if I am able to rent an apartment.

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 2022-06-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX all of the above XXXX have violated my rights. 
15 U.S.C 1681section 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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 all of the above , have violated my rights. 
15 U.S.C 1681section 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 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: TX

Complaint narrative:
Notified Albert immediately of two charges I did not authorize from XXXX XXXX XXXX- they texted me two days later saying that they've closed the case and it was not fraud. They never reached out to me asking for any sort of information - simply stated the case was closed. I didn't authorize the transactions and still stand by the fact that I didn't authorize the transaction. This is following a debacle on XX/XX/XXXX in which I provided evidence that I had multiple direct deposits submitted and they did not post or credit my account. I emailed and texted multiple times and was eventually forced to even have to reach out via XXXX to get any transaction on the issue. They eventually acknowledged that they did see the deposit and only by my constant badgering did they release it. There are quite a few practices that are incredibly concerning taking place there that need to be looked into.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I have sent the police report, filed disputes on XXXX XX/XX/2021 {$840.00} ACIMA XX/XX/2021 {$3400.00} XXXX  XXXX XX/XX/2021 {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  put an offer in the account saying, " You are ALREADY approved '' for a XXXX XXXX credit card. They have already done a hard inquiry and turned me down before. They placed the " You have ALREADY approved '' offer in my account anyway. I called customer service to make sure that there is NOT going to be any hard inquiry. She confirmed that there is not going to be another hard inquiry. So, I clicked to accept the offer. In a few minutes, I received an email saying that there is a hard inquiry by XXXX. 
I am in the process of canceling all accounts with XXXX. I have also canceled the XXXX Credit Card also. 

This was a deceitful act on XXXX 's part. They record and monitor the calls. 

I am requesting to please remove the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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 XXXX Account Account Name BANK XXXX XXXX Account XXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account XXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Inquired on XX/XX/XXXX These accounts have 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 explanation
Consumer complaint received 2022-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have sent the police report, filed disputes on CAPITAL ONE XX/XX/2021 {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
I do not recognize this debt or the collector and when I reach out for more information including signed documents, dates of the debt, etc. I only get a letter stating who the collector is and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I had changed my phone number and was unable to access my account online for a few months and so in lieu of online payments I submitted payments for 3 months in a row via XXXX  XXXX XXXX 's bill pay. XXXX  XXXX XXXX confirmed all checks were paid out and delivered to Bridgecrest 's billing address and cashed. Yet - my account was continuously reported late and never reflected the payments ( all delivered on time ). I reached out to them via text and email and sent letters - provided copies of the bill pay receipts/confirmation and they still have yet to correct the balance and incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
On XX/XX/2022, I sent a certified return receipt letter to creditor listed on my ChexSystems consumer report to dispute inaccurate information regarding overdrafts. I am attaching a copy of the letter being returned from the post office on XX/XX/2022 due to a bad or invalid address. On XX/XX/2022, I sent ChexSystems a returned mail letter ( certified return receipt ) regarding my dispute being returned for an invalid or bad address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA, if the furnisher knows or has reasonable cause to believe that the information is inaccurate. The letter was received and signed for on XX/XX/2022. 

On XX/XX/2022 ( 31 days after signature ), I pulled my ChexSystems consumer report to see if the inaccurate item was deleted. Instead of removing the item, they just marked it as accurate and verified. As of XX/XX/XXXX, ChexSystem is continuing to report an invalid address and I demand that the item they are reporting to be removed 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