vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Had transfered monet via XXXX and had given more than I had meant to a friend. XXXX was refusing to transfer the funds back despite both of the XXXX  users trying to confirm a transfer. No help was given from XXXX so a dispute was made via Wells Fargo. They have denied the claim with no final resolution letter that is required per their agreement. I believe that there has been no proper review made and would like a refund or at least a properly done review

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: FL

Complaint narrative:
I applied to rent a unit at XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. They took {$120.00} application fee from me. Then they denied me by sending me an adverse Action email sent by SafeRent Solutions. I applied to 4 other apartments by paying application fee and got denied from all of them. I spent nearly {$1500.00} for application fees last week. I called SafeRent Solutions and asked what the agent saw in my tenant screening. He said he saw only 2 charge off accounts as negative account. He said there was a pending dispute in one of them. I told him other one was already paid off. Due to this inaccurate information, I lost my hard earned money as application fees and I got denied of rental. Because of this inaccurate information in tenant screening, I can not get any apartment in Florida. I am left homeless. I have a XXXX XXXX  and I work very hard. I have a XXXX XXXX XXXX. And I'm left homeless because of third party tenant screening company. Tenant screening companies violate our basic right to have a shelter, a home. My constitutional right is violated. We are not XXXX XXXX but XXXX became just like XXXX. If your score is low or if there is a negative remark in your tenant screening even if that is inaccurate, you are denied of housing which means you have no right to rent an apartment. So what should I do? Should I live on the streets as a single XXXX  at XXXX? This is not fair and it is violation of my human rights. United States of America became just like XXXX. Your score defines who you are. If your score is low, you don't deserve to live. You're worthless.

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 2024-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 

This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802 I request that you provide me the " Aggravated Value Of Purchase '' showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR ORGANIZATION IN THE UNITED STATES XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: Aldous & Associates, PLLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NY

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I just reviewed my consumer report and found several late payments from XXXX XXXX XXXX with account # XXXX, I have never late, Experian have the right to report accuracy these late payments is incorrect and I demand Experian to update my account to pay on time. According to 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report, so reporting a late payment on a credit report is a volition.

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 2024-06-09 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: NY

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio recovery was in dispute, but accepted a lower amount from me to delete the account from the bureaus, but instead of deleting it, left a comment that I settle for a lower amount, which still leaves a negative impact on my credit. They had several months to delete this instead of making a false agreement to do so, knowing that I was disputing the entire amount

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am having with the credit cards issued through Comenity Bank. I have multiple credit cards with them ( XXXX, Ann Taylor, Victoria 's Secret ) and I have been having an awful time with them for years now. 

It's at the point where I can't take it anymore and I need to contact someone about them. I believe what they are doing to customers is fraudulent. I can not sign into any of credit card accounts. It's been like this for years now. When I call customer service they give me the same line that they are updating their system. 

How many years does it take to update their system? The only way I can get on to my Victoria 's Secret account is if I create a new password every single time I sign on. I can't even get into my XXXX account. I put in my credit card #, SS and I get this message every single time : " It looks like the details you entered don't match our records. Please ensure youre using the primary cardholders information and try again. '' Screenshot is. attached. Date it happened is today XX/XX/year>. 

This is NOT normal. I think what this bank is doing is finding a way to make sure people can't pay their bills on time, which will result in numerous and hefty late fees! 

I am not the only one that is having issues with this bank. Please review their XXXX pages and see the comments : XXXX XXXX XXXX  There is a page actually called " Beware of Comenity Bank XXXX XXXX : XXXX? XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-06-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
LOBEL FINANCIAL ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. 
WHY THIS FRAUD ACCOUNT STILL SHOWING OPEN. 

THIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE THIS CLOSED ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account was charged off on the following date : Since

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 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
This complaint is towards XXXX XXXX and Discover Card. XXXX XXXX maliciously reversed a charge when they lied to me and told me they do not have that ability. And Discover Card permitted them to scam me. 

On XX/XX/year>, I purchased a ticket via a XXXX XXXX XXXX XXXX for {$890.00}, with flights provided by XXXX XXXX. On XX/XX/year>, I arrived at the airport XXXX hours in advance with all of the necessary documents needed to board my flight. The ticket agent stated I couldn't board the flight due to visa issues. This caught me completely off guard, as I had no idea, and XXXX XXXX did not inform me of this problem. 

I was unable to board my flight and promptly called XXXX XXXX customer service for a refund. The agent on the phone lied to me and told me I needed to call the travel site for my refund. I called the travel site, and they said I needed to request the refund from XXXX XXXX, as they had paid the funds to them. 

Eventually, I called my credit card company and requested a chargeback. Everything went well, and my money was returned to me. However, XXXX weeks later, I saw a " reversal of funds '' on my credit card statement. Apparently, XXXX XXXX ( who told me they could not provide me a refund ) took the money from my credit card and refunded the funds back to themselves. 

Why would XXXX XXXX refund me my money, then reverse the decision and take it back? The Discover card agent told me they have never seen such a confusing moving of funds leading me to believe XXXX did something malicious. 

My main gripe is with XXXX and is in the process of finding a small claims court if this matter is not resolved amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH cXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a previous balance of {$300.00} on a XXXX XXXX credit card due by XX/XX/year>. I made the payment {$300.00} on XX/XX/year>. At that point my statement balance was paid off completely. I made other purchases and received my new bill on XX/XX/year>. On my new bill I was charged 23.24 % interest on {$570.00}. I am receiving an interest charge on a billing I have not had the chance to pay. I am also being charged interest on the {$300.00} that I already paid off. 

I believe that other banks and credit cards have tried to do this and lawsuits were filed. 
Namely XXXX and XXXX XXXX. I should not be charged interest on a bill I have not had the chance to pay. The due date for this current billing is XX/XX/year>. I didn't even see the bill until XX/XX/year>. This is the same thing as charging interest on a future billing. If this is the normal practice for Comenity bank, I think a lot of people have been taken advantage of. Most likely people who can't afford it. I think Comenity is due for an audit. Maybe a class action lawsuit should be filed. I understand that {$13.00} is not exactly a fortune but at a time when every XXXX counts and so many XXXX  citizens are being taken advantage of, this should not be overlooked. I reported this error to the credit card company at between XXXX and XXXX on XX/XX/year>. I know that the people responding to me don't have control and only say what they are told, but I told him to send my recording to his superiors and make sure that they know this is being reported.

Company response to consumer: Closed with explanation