vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/year>, I applied for a XXXX XXXX XXXX which was issued through Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I charged a portion of my upcoming vacation ( at the end of XXXX ) and paid the balance in full on XX/XX/year> ( the amount was {$8500.00} and check number was XXXX ). I checked my banking a week later as I knew the bill was due on XX/XX/XXXX and noticed that the check wasn't cashed. When I called XXXX they reassured me that they would take care of it in time and advised me to call back by the end of the week ( XX/XX/XXXX ). When I expressed my concern that there would not be enough time for my balance to be clear and still be able to use my card, they again reassured me that there would not be a problem. I monitored my banking but realized that they still hadn't cashed my check, and the due date had come and gone. I called back on XX/XX/XXXX and made a minimum payment ( {$86.00} ) as I was going to XXXX in a few days and wanted to use the card I asked to speak with a supervisor. He took a report and gave me the confirmation number of XXXX. My call was abruptly disconnected, and he never got back to me. On XX/XX/XXXX, I put a stop payment on the check with my bank. When I went to use my card in XXXX, I was unable to do so and called them again and they stated I was unable to use my card because I put a stop payment on the check which was their policy. I paid the entire balance off in XXXX ( {$8900.00} ) but noticed that I incurred a finance charge ( {$130.00} ), an interest charge ( {$110.00} ) and a cancelled check fee ( {$30.00} ). I called back again on XX/XX/year> and the person taking my complaint claimed she would take the report and send it " upstairs '' for review. However, I never heard back from anyone any of the times I contacted them. I also requested to have my Rewards Balance of {$270.00} refunded to me but she claimed her system was down and wouldn't be able to process it. She also said that I was unable to use my card for 90 days because of the stop payment I put on my original check. 
I firmly believe that this company is engaging in deceptive and unfair practices and using punitive interest fees and late fees to make an extra charge. Moreover, none of my questions were ever answered satisfactorily, no supervisor from the company ever got back to me ( except to state that they were not excusing the stop check fee ( Which they charged me twice for! ) I was counting on using the card in XXXX so as to not incur additional fees ( which they advertised and was told when I applied for the card ). I was unable to do so and feel that this company ripped me off as this is considered commonplace for them.

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

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: AR

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Absolute Resolutions Investments , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My husband 's computer was remotely hacked on XX/XX/year>. He started notifying all our credit card companies and changed all username and passwords. 

On XX/XX/XXXX, he contacted AMEX and notified them of the incident, requested to cancel all credit cards and to re-issue them, including my Gold American Express and the ones for the Hilton Honors American Express. High-yield savings account showed no changes with a balance of about {$12000.00} ( Can't remember the exact amount ). That day, he also changed username and passwords. 

XX/XX/XXXX, someone transferred between $ XXXX out of that high-yield savings account without our authorization. So, overnight, someone logged in into the AMEX account, despite having changed username and password and having notified AMEX of the breach. According to AMEX, someone opened two new AMEX accounts under their names and transferred the entire contents of my account to these two other accounts. I was done in three transactions - XXXX, {$23000.00} and {$370.00}. From there, they transferred the money out of AMEX to an external account. Names on those accounts were XXXX XXXX XXXX ( Account ending in XXXX ) and XXXX XXXX. 

None of these transactions were authorized and I do not know these individuals. 

They also called on Friday XXXX XXXX @ XXXX hrs from a ( XXXX ) XXXX identifying themselves as Fraud Department from AMEX. At the time I was in the middle of reporting the incident to the XXXX XXXX XXXXXXXX XXXX XXXX. 

Amex refuses to provide me with any information, plan of action or resolution despite 11-12 days gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have repeatedly requested that they investigate the accounts below and provide me with any documents to support their reporting. As of today, they still need to supply such documents Experian states their are no such documents from them all the information comes from the creditors XXXX XXXX XXXX XXXX. XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by their agency in my earlier disputes.

All the information you used for their investigation, as FCRA 611 ( a ) ( 7 ) required, Written proof that you forwarded all the relevant information in my earlier disputes tr creditor. FCRA 611 ( a ) ( 2 ) ( B )

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 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All XXXX credit reporting agencies have had continue to have incorrect information in EVERY aspect Of my credit report for over 20 YEARS. I had identity theft, another woman XXXX XXXX info on my report didnt even have same social. My past work is incorrect names addresses numbers more importantly missing age of credit, hard inquirer wont remove that arent mine hundreds of dark web inquiries, debts that were included in my bankruptcy still on my report and the bankruptcy should not be a problem any longer. Additionally cards and debts sold my info to 3rd parties which need to be removed as I am not responsible for those and have no agreement with them My life quality of life and unfair penalizing have been detrimental and I am so tired of spending year after year after year enough already WE THE PEOPLE ARE SUFFERING ENOUGH stop punishing me for your mistakes

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 2024-09-09 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: FL

Complaint narrative:
All 3 credit reporting agencies have had continue to have incorrect information in EVERY aspect Of my credit report for over 20 YEARS. I had identity theft, another woman XXXX XXXX info on my report didnt even have same social. My past work is incorrect names addresses numbers more importantly missing age of credit, hard inquirer wont remove that arent mine hundreds of dark web inquiries, debts that were included in my bankruptcy still on my report and the bankruptcy should not be a problem any longer. Additionally cards and debts sold my info to 3rd parties which need to be removed as I am not responsible for those and have no agreement with them My life quality of life and unfair penalizing have been detrimental and I am so tired of spending year after year after year enough already WE THE PEOPLE ARE SUFFERING ENOUGH stop punishing me for your mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
Had account with XXXX XXXX  the bank was sold to provident bank had online banking with my business account now cant login in and provident bank tells me they cant find my account have no access to online banking or information on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-09-09 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: CA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX 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 consist of a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # # # # # # # # # # # # # # # # XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/year> I went online to the XXXX payment site, it gave me the option to apply for a loan deferment on my XXXX payment. I submitted the request information, then was asked to sign the document and I did. Shortly after this I received an email from the company with attached and signed payment extension agreement which stated that they agreed to modify my contract and that XXXX payment would be put at the back of my loan and my next payment is not due until XX/XX/year>. 
On XX/XX/year>, I received a letter stating my XXXX payment is past due, to my shock because I was given a confirmation that my payment was deferred, I called XXXX. I was transferred XXXX times and on the phone over an hour for each person to tell me that there is no record of any deferment or emails to confirm this going out to me. I offered to send them a copy of the signed agreement but again was told it doesnt exist. I was lastly told if I make the payment today they would apply for a new deferment, problem is I do not have my payment until XXXX 2024 the day it was suppose to be deferred to and now it is 27 days late. So if I pay it on XXXX/XXXX/2034 I will be reported as a 30 day late payment to the credit reporting agencies for something that I was told and confirmed was not due till XX/XX/year>

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, NV, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, HI, 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I tried to call and inform EXPERIAN of my data breach and identity theft issues and they didnt have anyone available to assist me with my dispute. I have requested this situation be escalated. According to FCRA 605B 15 USC 1681. You are required to delete all information in four days. I want EXPERIAN to please delete the following information accordingly.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX  days ago ) to XXXX, XXXX, XXXX XXXX PM, XXXX, XXXX, XXXX, XXXX This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX and XXXX XXXX at XXXX trailwood. 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX XXXX  a penny or what they let happen to me at XXXX XXXX is the most demonic sick thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  # I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their NMLS, the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
These are the hard inquiries that are not connected to open accounts that were ran and the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES-BEN- XXXX MERCEDES-BEN-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENXXXX MB FIN SVCSXXXX MB FIN SVCSXXXX MB FIN SVCSXXXX XXXX XXXX XXXX XXXX Not attached to accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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