vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
Account name : XXXX  XXXX Account Number : XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

It has come to my attention that XXXX XXXX has been illegally reporting my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.

I am herby requesting all above disclosures required by Federal Law. If you are unable to provide the signed agreements please delete this account off of my credit profile.

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 2024-07-24 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: ND

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches. I have never received any response or notice from XXXX XXXX XXXX XXXX XXXX XXXX I do not know XXXX XXXX XXXXXXXX XXXX XXXX nor do I have a contract with them, EXPERIAN has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased a large sum of furniture from XXXX through a promotional program they offered via Comenity Bank in XX/XX/year>. The promo was for XXXX XXXX interest for XXXX  months. 

Part of the process was to establish an online account with Comenity Bank, which I did. I also set up automatic payments and entered into paperless notifications. 

Nowhere in the process of setting up paperless notifications does the site tell you that you will NOT receive emails regarding your account or payments during the period of the promotion. For just about every other service I pay for, when I enter into paperless billing, I get an email EVERY XXXX month. I also get notified about certain price increases that have occurred due to things like high energy use for any given month. 

The paperless option provided by Comenity Bank feels like a trap. They are banking on consumers forgetting the date to which they need to pay the amount in full so that they can begin raking in the interest at XXXX XXXX. 

Furthermore, the user interface on their application did not work when I attempted to set up automatic payments. I had to call in and set it up because the interface simply would not function. To me, it seems like this online/digital experience is an afterthought for Comenity Bank which puts consumers like myself in serious financial jeopardy. 

XXXX  years went by and all of a sudden I was hit with an interest rate charge on the principal amount of XXXX XXXX  which totaled over ~ XXXX. This is nearly the amount I have left to pay on the account ( ~ XXXX ). 

Had I been notified via email or any other form of communication that I would need to pay off the remaining amount ( ~ XXXX ) in my account to avoid ~ XXXX in interest payments... I would have paid the remaining amount in full right away. 

When I called Comenity Bank to offer a fair resolution, they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX 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 2024-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-07-24 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: AZ

Complaint narrative:
I need your help regarding this incorrect account reflected on my credit report. This issue has harmed my reputation, and I am asking for your assistance.

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 2024-07-24 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: AZ

Complaint narrative:
I am seeking your assistance concerning the erroneous account appearing on my credit report. This matter has been damaging to my reputation, and I need your help.

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 2024-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. XXXX  of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, SSN : XXXX, DOB : XX/XX/XXXX, Address for the past XXXX years Present : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX. XXXX XXXX under account number ( XXXX ) Opened on XX/XX/XXXX with no balance. 

XXXX. XXXX XXXX under account number ( XXXX ) opened on XX/XX/XXXX with a balance of XXXX. 

XXXX. XXXX XXXX under account number ( XXXX ), opened on XX/XX/XXXX with a balance of XXXX. 

XXXX XXXX under account number ( XXXX ) opened on XX/XX/XXXX with a balance of XXXX 

XXXX XXXX under account number ( XXXX ) opened on XX/XX/XXXX with a balance of XXXX. 

The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts mentioned above are due to identity theft and fraud. I have attached a copy of XXXX  Identity Theft Criminal Complaint XXXX  ( XXXX ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-24 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: GA

Complaint narrative:
XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXX  on my credit report. This is my third dispute regarding this account, XXXX, which remains inaccurately reported on my credit report. Despite previous reinvestigation requests, the erroneous information persists. 

In accordance with XXXX XXXX standards and pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I am entitled to accurate and complete reporting of my credit information. The continuous reporting of inaccurate information by XXXX XXXX XXXX  is a clear violation of FCRA 623, which mandates furnishers of information to provide accurate data to consumer reporting agencies. 

**Account Details ( XXXX Report ) : ** - **Creditor : ** XXXX XXXX XXXX  XXXX XXXX Number : ** XXXX - **Account Type : ** Secured Loan - **Date Opened : ** XX/XX/XXXX - **Original Balance : ** XXXX - **Current Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX **Experian Payment History Inaccuracies : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late **Account Details ( Equifax Report ) : ** - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - **Balance : ** XXXX - **Account Status : ** Paid, Closed - **Highest Balance : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Term : ** XXXX  months - **Last Payment Date : ** XX/XX/XXXX - **Current Payment Status : ** XXXX Days Late - **Worst Payment Status : ** XXXX Days Late - **Times XX/XX/XXXX Days Late : ** XXXX **Discrepancies : ** XXXX. **Experian Report : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late XXXX. XXXX Report : ** - Only XXXX instance of being XXXX days late. 
- Equifax claims I have made XXXX XXXX of payments on time, conflicting with the number of reported late payments. 
- Different last payment date ( XXXX : XX/XX/XXXX vs. Equifax : XX/XX/XXXX ). 

These discrepancies indicate that the information reported by XXXX XXXX XXXX  is inaccurate and inconsistent across different credit reporting agencies. This misreporting has adversely affected my credit score and overall creditworthiness. 

I have requesting a thorough reinvestigation of these inaccuracies. XXXX XXXX XXXX  fails to comply with this request, I am prepared to take legal action for willful non-compliance under FCRA 616 and 617, which provide for civil liability for willful and negligent noncompliance, respectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAFCO Finance
State: AK

Complaint narrative:
On XX/XX/XXXX, I made a payment to pay for the month of XXXX and and made half the payment for the month of XXXX and provided the date of which I can make the other half of the payment which would but XXXX XXXX XXXX. Ive recently experienced financial hardship in the month of XXXX that being I had my back windshield smash and paid out of pocket to fix it. Then XX/XX/XXXX my tire had popped and had to fix my brakes which also put me behind but again I still made sure I let the auto company know when I would make the payment. The day after I made the call to let them I know I would make the payment they proceeded to repossess the car after they put in the notes of my account that I would make the payment on the date I said I would. Ive called twice to come to a resolution but would not hear me out or allow me to make the late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I have never did business with this company BSI Financial. please send me original loan documents with wet signatures form XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I had a Capital One 360 checking account ( XXXX ). I had made purchases with my debit card associated with that account that I did not receive, canceled, and returned to my local sunglass store. I had contacted the payment protection department of my bank as I had used XXXXXXXX XXXX and XXXX  as XXXX party payors for my items. When I contacted the merchants ( XXXX, XXXX XXXX, XXXX ) to advise that I was canceling my orders ( XXXX order, I never received nor received tracking information ), XXXX confirmed with me that my orders was canceled and that they would contact XXXX and XXXX  to arrange refunds of my payments back to my checking account. I contacted XXXX to advise that I returned the wallet that I had ordered and they told me that they would refund XXXX, who would then refund me for my payments. This did not occur. For XXXX XXXX, I actually returned the sunglasses to my local store and they refunded my acccordingly. I contacted my bank and they gave me provisional credits on my account while their back office did their " investigating. '' I was advised that it would take a few weeks. 

I received emails from Capital One 360 that " due to their internal investigation and policies '' that they were going to reopen my closed checking account and reverse out all of the credits and interest that they originally credited me. I contacted their offices numerous times based on emails requesting information that I had already provided several times and was assured for a supervisor that I was in the right and " not to worry '' Needless to say, I now have a negative balance of over {$610.00} and change and none of the merchandise that I had originally bought as I either canceled the orders and supplied email conversations with the merchant confirming the cancelation and also the original postage receipt of sending back my watch as it did not fit me correctly. 

I repeatedly told the payment protection representative that their back office had to contact the XXXX party payer to get their refunds, but they refused, they want me to pay it back instead. i will NOT pay for merchandise that I do not have. I have done my due dillegence in getting them the confirmation of conversations with the merchants and with the XXXX party payers. The way that my cases were handled were incompetent at best. I shouldn't have to take time out of my workday to contact the bank and defend myself. I want this negative balance taken off of my account and my account closed as it had be closed due to being compromised by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation