vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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: NC

Complaint narrative:
I am a victim of identity theft. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX and I am a XXXX XXXX XXXX. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX bills on time and in most cases early, which I have proof of. My problem with TransUnion and the other credit reporting companies and credit card companies is that they DO NOT separate small business credit/history with the business owner 's personal credit. For example : I have XXXX XXXX  credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX  and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't TransUnion and the others have a business credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the business owner must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my XXXX  XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.

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 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I pay my XXXX XXXX on my XXXX XXXX XXXX bill pay. 
I paid it on XX/XX/XXXX. They didnt record it until XX/XX/XXXX. They are saying it takes the mail that long to get to them. They are charging me finance charges and late fees. This happened in XXXX and XXXX too. 
If you look at my history I am a good consumer. I pay my bill by the XXXX. Its not my fault that they say they arent getting it in time. I think they dont pick up their mail on a timely basis or some other nefarious reason. 
I called them on XX/XX/XXXX. The agent told me I owed {$190.00} which I paid over the phone. Now, I see my statement recorded they received {$96.00} on XX/XX/XXXX so the agent didnt see it was paid FIVE days after!! Which is why they have to refund me. 
So I have to pay over {$70.00} in late fees and finance fees. 
I have an excellent credit rating. You can see some months where I paid when I didnt have to because they dont show it as paid then they have to send it back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed a charged off account from XXXX and XXXX with Experian, XXXX and XXXX XXXX due to incorrect " date of last payment '' ( XX/XX/XXXX ), charge off account balance is incorrect. They continue to report balance increases ( {$50.00} ) on a charged off / closed account. I sent written letters to the bureau to re-investigate and provide method of verification and I've received nothing but a simple " verified '' statement. I am entitled to an accurate and complete credit report. 
XXXX is reporting an incomplete and inaccurate account. I submitted an investigation dispute and received a simple " verified '' response. I requested a re-investigation of such with method of verification and, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section611, Subsection A-D, I demanded that they provide actual proof the information was verified, not a computer generated confirmation. 

1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information. 

I also wanted to know if the furnisher provided you with my SSN, address or DOB. 
All I received was a simple update of the following : Completed investigation of FCRA dispute - consumer disagrees.

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 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
They threatened to take my social security benefits from me after being off do to being XXXX  with XXXX XXXX. Im on XXXX  XXXX now. They call me everyday threatening me, Im a single mom of XXXX children

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Today, XX/XX/2021 I contacted Experian at XXXX to get my credit freeze lifted, so that I could refinance my home mortgage. The options were limited and I inadvertently froze my credit. I was given a confirmation number ( XXXX ) and informed that my 'pin ' would be texted to me. I have not received a 'pin ', which I need to unfreeze the account. My complaint is that I have not received the pin, and Experian does not give consumers access to a 'live " person to resolve issues.

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 2021-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This CAPITAL ONE item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The account was permanently suspended. I called their customer service line but couldn't get any customer service. 3 weeks passed and I didn't receive the refund check for the remaining money in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15 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: IL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have six negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have six negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the FOCUS FINANCIAL SERVICES ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Colony Brands, Inc.
State: NV

Complaint narrative:
Hello. I suffered from XXXX the end two months of XXXX and beginning of XXXX. When I recovered enough to monitor my credit scores as I usually do at least weekly, sometimes daily. I also noticed missed calls and then letters/bills from Montgomery Wards . I remember thinking, when my friend applied, that I did not know Montgomery Ward still exists. No disrespect. I picked some pajamas for my XXXX XXXX, but XXXX wanted like {$150.00} deposit. I did not want to do that, so I did not order. Furthermore, I received a letter saying if I paid the down payment, I could get the personalized pajamas. Now I am getting bills for items I never purchased or even received. I have called and disputed this whole account opening, since I never paid the down payment to place my first order. I moved and gave Wards my new address to send me something saying they would remove it from my credit reports and I see the name is changed to my actual first name, not the shortened name ( which I would never use and is a masculine form ) that originally was on the account. This fraudulent account is bringing my credit scores down because it is being reported as mine, and never paid on. The letter from Montgomery Wards instructed me to go to this website and dispute it. I already have with the credit bureaus, police, FTC. I do not know what to do next! Likewise, I also was used fraudulently for unemployment benefits, credit cards, and hard inquiries and more. Apparently, I am told that I am on the dark web by a security feature. I have called Wards several times and in XXXX they sent me the letter saying to contact XXXX Unemployment is investigating who filed for benefits and received over {$10000.00} in my name. Someone used my information in XX/XX/XXXX. I unfortunately had to file in XX/XX/XXXX. Then wait 8 months to prove I am me. 

I received a letter stating I am being sued for a payday loan. I never took out a payday loan. ANYWHERE and for {$1800.00}. I have lots of fine, expensive jewelry I would pawn before I would get a payday loan Two different bank accounts have been opened in my name. I found out when they sent me new account information and when mail was returned to the bank. I tried to get information like address debit card is being mailed to, opened both online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Afterpay US Services, LLC
State: TX

Complaint narrative:
I've been having an account with afterpay to 2+ years and this is the 2nd tine they dropped my limit and changed my status for no reason. I returned an item to XXXX XXXX on XX/XX/2021. I called and advised Afterpay. It took a while for XXXX XXXX to receive the returned so I called and asked did I need to pay to prevent changes on my account I talked to a XXXX and she said that i had 10 days before there would be any changes. The next day my credit limit changed and my status went from Mint to gold. They also received the refund from the company. I called to advise them of this and they said that they would fix the mistake in 24-48 hours. It has been since XX/XX/2021 and the correct has not been made even though they confirmed that I have never been late on my account., and that they would fix it. I followed up yesterday and they acting as if nothing is wrong with my account. Like their was never an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hi, I travelled overseas ( outside of the United States ) and as soon as I return I was advised that my credit was in a bad condition. I contacted the Bureau to find out why and notice that there were a bunch of illegal activities on my account placing me into debt collection agencies without my knowledge. Please assist me with fixing this situation as quick as possible as I have urgent matters that needs to be taken care of. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
This debt is complete fraud. Ive had three companies call me under different names for this debt, the last company IQ Data called me and stated they were Submitted this debt to collections and they would ruin my credit for 7 years, the stated I needed to give a 60 days notice when I gave a 30 days notice to my landlord in writing and vacated. There was no lease it expired the month prior, I was in line with my month to month. My landlord kept the deposit of XXXX, this was supposed to be last months rent. I was completely vacated out of this unit and do not owe this, period. They have supplied me with NO EVIDENCE, I have disputed this with two collections already, then IQ data refused to even reply to BOTH the disputes Ive sent them. They have NO PROOF I owe this debt this is entirely based off of a lie given by the landlord saying I was in the unit after posting a letter saying you will have to MOVE IMMEDIATELY if you can not pay rent during COVID, NEVER supplied states letter for California, didnt reply to me or 6 other rental properties I applied to ( have in written that they repeatedly tried ). They have reported this, threatened me, called me after I asked not to, wont reply to any of my evidence, wont supply ANYTHING detailing or showing me the debt and why I am liable for this when there was NO CONTRACT in place and I was NOT in the unit. They REFUSE to provide any explanation and stated I could not verbally ask for any kinds of documents, they stated they couldnt talk to me about this debt until I validated what it was for and I acknowledged the debt without knowing a single thing. This account is not only extremely fraudulent, a complete lie, but was also submitted to collections WITHIN illegal period during COVID 19. They have accused me of being in a lease with NO EVIDENCE. This company did nothing but threaten me, ignore facts, and then send me to collections regardless of all the laws broken and facts showing this isnt mine. Not to mention my boyfriend was also on this lease, we left together, we had a co-signer, yet I am the only one having to deal with this. This collector stated every day I owe more interest and late fees on this account, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation