vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am a victim of identity theft XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need 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
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 a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There's 2 Macys Credit cards on my account that were paid and close on XXXX. However Macy 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on 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 2022-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 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: AL

Complaint narrative:
XXXX XXXX XXXX has employed a bank, Comenity Bank, which has only a website available to make payments. 

The website has been down for over 36 hours as of XXXX XXXX on Tuesday XXXX XX/XX/2022. 

https : //c.comenity.net/ac/bjs/public/home Additionally they do not answer their phone for over thirty-six hours. 

Consumers who have had payments due can not pay their bills. 

XXXX XXXX

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 a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX Account XXXX : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 4. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXXXXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

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

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

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

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

XXXX XXXXXXXX Method of verification was not provided. 

XXXX XXXX Account was removed and added back without a re-insertion letter. Method of verification was not provided. 

XXXX XXXX XXXX Method of verification was not provided. 

XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXXXXXX XXXX  XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXXXXXX XXXX Method of verification was not provided XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXX  XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXXXXXX XXXX Method of verification was not provided No Name Account XXXX Account is incomplete, how was this verified ? 

XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX

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: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
UPDATED INFORMATION** I was discriminated against in this consumer credit transaction. This willfill action was adverse to the interests of me the consumer. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. For purposes of 1691 ( d ) ( 6 ) subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. How can i be denied the use of my credit. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction provided the applicant has the capacity to contract. i hope to resolve this matter of discrimination as soon as possible. I already sent American Express with a cease and desist which they violated as well. If you can prove American Express that you are not discrimination or i will have to pursue this matter though litigation as the Federal law suggests. 
CFPB Ref No : XXXX Ref : XXXX Reference Number XXXX

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 — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
My credit report was run by 700 Credit/XXXX XXXX  in XXXX, CA on XXXX XX/XX/2022 without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint mortgage was the servicer on my account. My taxes were due in XXXXXXXX XXXX They sold the servicing of my mortgage on XX/XX/2022 to XXXX XXXX XXXX I received a letter from the state saying that I had not paid my taxes and now I am delinquent on my taxes. When I reached out to Roundpoint they said they accidently paid XXXX XXXX instead of XXXX XXXX XXXX. I emailed them the past due notice on XX/XX/XXXX. I have followed up with ever week since I sent the email with the notice. They keep saying they are waiting to hear how they are going to get the money back from XXXX In the meantime, my taxes are in default and I could get a lien placed on my home.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been 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.

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 a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Please see letter is submitted to honda in attached. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I observed on my XXXX XXXX XXXX report that there were account in my name opened at Bank of America. I am asking Bank of America to remove this account from my XXXX reports and purge my information from their system as this account do not belong to me. I also called their customer service number and advised them about this as well.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have the top tier American Express Delta Sky Miles Credit Card, for which I pay {$550.00} per year. Among the benefits advertised and contracted are free TSA precheck membership and discounted Clear membership. I recently enrolled for both and was not issued a refund/credit. I had the same problem last year and was told that it should be automatic when I enroll through the company/agency that issues the membership. I called customer service and was given a nonsense excuse for why it had not been credited. I have now called 3 times and gotten nowhere. I tried to dispute the charge for the Amex membership given that the contracted services were not provided, but I got transferred to another line that no one picked up.

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 a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 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: NY

Complaint narrative:
I have not been able to access Comenity ( my BJs credit card ) since Thursday of last week. I check my credit card regularly, making sure payments are applied correctly, that there are no charges applied that I did not make, that there are no unwarranted fees, etc. However, the website has been down for a minimum of 6 days. Every time I try to access it, I get a message about scheduled maintenance. I have searched on their XXXX page for answers and to see if I am the only one having this problem and have realized that hundreds ( potentially thousands ) of people are having the same issue. At the time of this report, there were over XXXX comments with the only response from Comenity being an automated response. Shockingly, there is an indication that this issue will not be resolved prior to XX/XX/XXXX. If that is accurate, the system will have been down for over 10 days. I have automatic payments that are scheduled to be made from this account and I dont know if theyre going to be on time now. My payment for this account is due soon and I have no way of paying it. I do not want to incur any charges or have my exceptional credit rating impacted by this problem. Please help.

Company response to consumer: Closed with explanation