vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
2 years ago ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  New York store had a promotion 48 months with interest 7.99 % if paid in full for 48 months, if not then 29.99 %. 
My wife and me agreed to this, opened XXXX XXXXFloor and decor  credit card and made a purchase of approximately {$5900.00}. 
Upon receiving the receipt from the cashier we noticed it was 24 months no interest instead of 48 months with 7.99 % interest. We asked cashier to fix this and she called the manager. Manager called XXXX associate number XXXX, store number XXXX, register 3, transaction number XXXX canceled the purchase, tried again and same 24 months come up. After that as it was Sunday she said she will fix this. 
We trusted her and went home. Our minimum payments were approximately matching the 48 month payments so there was no reason for us to complain or suspect anything was wrong. 

2 years later after 24 month period passed, and my wife was paying every single month more than the minimum payment, never missed a single payment, Comenity bank charges us {$3300.00}. which is almost 50 % of our original purchase.. not even close to 7.99 % or even 29.99 %. This was not our deal and this looks like a scam to me. 

I went to Floor and Decor immediately and spoke with this manager XXXX who did this mess. She said why didn't you complain? There was no reason to complain.. and she said she was going to fix this. She then said I am not supposed to trust a stranger.. Well she was not a stranger, she is a manager and representative of Floor and decor. 

I called Comenity bank and they filed a dispute request. A few days later sent me a letter that Floor and decor doesn't have such a promotion which is a lie. I filed a dispute again and this time sent them copies of 48 months brochure I've received another letter that they will investigate and will make a decision in 90 days. 

First this period is too long as they keep charging me additional {$130.00} probably a month which will keep piling up on my account. 

Currently each time I call XXXX XXXX and their Floor and decor section, they break the line OR say we will transfer you which brings me back to the same person after another 15 min wait. Asked to speak with the manager, they said OK and then broke the line again, and again and again. Called from another phone, and this time they answered, when they heard they are speaking with me, they broke the line again. All the persons I'm speaking with are somewhere in XXXX or XXXX. Just to make it a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-09-03 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: VA

Complaint narrative:
On Monday XX/XX/XXXXXXXX XXXX I received an email from XXXX and XXXX that the credit card company submitted a late payment notice for a delinquent account from XXXX XXXX XXXX And according to Section 15 USC 1681 Section 2 this company has violated my legal rights. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-03 00:00:00
Product: Credit reporting 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: SC

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :

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 2024-09-03 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report

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 2024-09-03 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: Rent Recovery Solutions
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX on XX/XX/scrub> 2024. They lied saying I owed a balance of {$5600.00} and when I asked where the amount came from I was told that I broke the lease. I have proof that I didn't break the lease.. My rent was {$1200.00} at the time and I only had one month left on the lease. So even If had broke the lease which I didn't that still would not add up to {$5600.00} dollars. I moved XX/XX/year>2024 and I my wife wrote the property manager in a letter that we would be moving XX/XX/scrub> 2024 after she sent me a letter stating she would allow me and my wife to terminate the lease early. Which XX/XX/year>2024 my lease would have been up. After we received the collection from Rent Recovery Solution and disputed with them asking for itemized statement and original contract we never received anything or even the dispute resolution. We also disputed with the the credit bureaus. XXXX removed my wife but found mine as accurate. I included copies of the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XXXX XXXXXX/XX/XXXX, at XXXX, I went to a wawa gas convience store to withdrawl {$400.00} The transaction failed with an error message on the screen saying transaction declined and that it could not process the transaction and was cancelled. 

On XXXX, I had noticed that the transaction had posted and I contacted Chime to tell them what happened and opened a dispute and sent them the picture i had taken of the error message on the atm screen. 

On XXXX night, I got an email saying the dispute was denied and on follow up calling chime support, they had did no investigation and just closed the dispute. 

I am still missing {$400.00} on a atm transcation and the bank seems unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Previously filed a complaint due to in accuracy on credit report. 

Company has still failed to report accurate information regarding payment statuses on this account. 

Previously did not provide validation of debt within 30 days as required. 

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses. 
Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so. 


Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time. 


Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act. 


They have had numerous times to get this account corrected and have failed to do so. 

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action. 
The creditor must also provide a free copy of the updated report. Which did not happen previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My husband and I have been TRYING to work with Carrington for a long time concerning our mortgage but, Carrington continues to work against us.

We applied for a loan modification for help due to the COVID-19 But they could NOT get the documents correct. My mane was left off, which in Texas if Married both name MUST be on the mortgage application and were married at the time of the original mortgage in 2011 and are still married. They also had XXXX name incorrect on the new documents. And he was FORCED by Carrington to illegally sign that he used the incorrect name as an alias. The fact is XXXX never used the name Carrington illegally forced him to sign. Also we applied for help thru the Texas Homeowner Assistance due to COVID and was DETERMINED ELIGIBLE and a letter of guarantee funds was was to Carrington on XXXX but the funds was NEVER APPLIED to our account. Case # XXXX We applied recently for a loan modification to make our payment more AFFORDABLE but Carrington made them almost double. The ORIGINAL payment was approximately {$1600.00} NOW the MODIFICATION has the payment at {$2600.00}. How is that more AFFORDABLE? 
Also we had the loan modification documents signed, notorized and returned to Carrington but carrington scheduled our home for foreclosure sale WITHOUT notification to us. We were HARASSED buy people stopping by wanting to see the house.ACTUALLY someone almost got shot we thought they were trying to break in, they were looking in the windows and trying to see if doors were open. Thats we found out it was sent for a foreclosure sale. Carrington was also ADVISED that XXXX had bad hearing and DOES NOT use a phone to talk. They were also advised that the phone number on file was a prepaid for Texting ONLY. They were sent a CEASE and DESIST letter to STOP calling that number but they still continue to was our minute. We can communicate thru email and text.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: NC

Complaint narrative:
I received a letter today informing me that this company is no longer servicing my account, yet it still shows up on my credit report. I would like this company to reach out to all three credit reporting agencies and request the removal of this account from my credit report. It has been affecting my ability to obtain credit for over six months. Please ensure it is removed from my credit report. 

Also, the state they have is FL. I have never lived in Fl.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Ive noticed that these late payments are not consistent with my usual payment history, which is generally on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2024-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXIXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: January Technologies, Inc
State: NC

Complaint narrative:
January collection company contacted me about a Debt with a company called XXXX, i've requested a copuy of the original contract, wet ink signature of the original creditor or company, and the Agreement with the last date of payment on the account. 

January debt collection company has sent me an email to my business email, and called my personal number outside of working Hours. 

i do not owe this debt the company ( XXXX ) did not render the service that was agreed upon therefore i am requesting the Company ( January ) to Cease and Desist any collection efforts as this is NOT a verified debt. Remove the debt from my personal credit and removed my information form their data base.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I was notified about a collection in my credit report. I quickly began the dispute process the same day since I do not recognize, nor do I owe the money to the account reported. Equifax claimed to investigate the situation, it took Equifax around 24 hours to say that they investigated the claim and the account was verified. Equifax did not investigate at all since if they had, it would have been quite obvious the account was not mine and I did not owe the money. I attempted calling Equifax and they did not respond due to high call volume. The account is apparently from 2 years ago ( again, not mine ) and was now reported.

Company response to consumer: Closed with non-monetary relief