vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: OR

Complaint narrative:
First my Sephora Visa card stopped accepting electronic payments from my bank and did not notify me. Second, they changed their postal mailing address without notifying me or my bank. In so doing, they got to charge me a {$40.00} late fee each time. Then, after a 3-way call to get the payment problems sorted out between me, my bank, and the credit card, they started holding my check payments and not applying them until 5 days after receipt so they could charge me another {$80.00} in late fees. My bank says they received my XXXX payment on XXXX and did not apply it until XX/XX/XXXX, and they received my XXXX payment on XXXX and did not apply it until XX/XX/XXXX so they could charge me a {$40.00} late fee each time. I have had it with this company and want me late fees reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-24 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: VA

Complaint narrative:
XXXX XXXX was issued a check in the amount of {$11000.00} from XXXX XXXX for 2012 XXXX XXXX paid in full. I contacted XXXX and the custermer service stated that the account is paid in full and was report to the credit bureaus 30 days after payment. It is five months latter and is still showing outstanding/open. Notwithstanding, this has impacted my credit score and needs to be justified accordingly. Thank you

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 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Arivo Acceptance, LLC
State: UT

Complaint narrative:
1. They sent out a check it bounced two months ago it took 4 weeks to get here 2. They sent a check the manager ied about the time frame about it wokring once again i tried to cash ut last week it bounced again. 
3. The manager laughs while talking to me about this issue every single time i have voice recording of each conversation i am getting docked money plus im Over drawn on my account thinking this is going thru I dont want to wait for another check they dont have a resolution they do called will call me and have not since

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lac Courte Oreilles Financial Services II
State: WA

Complaint narrative:
This debt collector from eloan warehouse keeps calling before XXXX. Today XX/XX/year> they called at XXXX. Other times they tried calling before XXXX. Is this even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
Account Number : [ XXXX ] Dear [ SUNRISE CREDIT SERVICE ], I am writing to formally dispute the validity of the alleged debt referenced above pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as notice that I do not recognize the debt you claim I owe, and I demand strict proof of its validity before any further action is taken.

Under the FDCPA, you are required to provide the following information and documentation to validate the debt : 1. The exact amount of the debt, including a full breakdown of principal, interest, and fees.

2. The name and address of the original creditor, along with evidence showing that the original creditor transferred or sold the debt to you.

3. Proof that you are legally entitled to collect this debt, including a copy of any agreement bearing my signature that created the alleged obligation.

4. A complete payment history of the account, including any charges, credits, or payments made. 
5. Proof that the statute of limitations for collection has not expired on this alleged debt.

Until you provide all of the above information, you are prohibited from taking further collection actions, including reporting this debt to credit reporting agencies, under 15 U.S.C. 1692g ( b ).

Be advised that if this debt is reported to any credit bureau prior to validation, I will view such action as a violation of the FDCPA and take all necessary legal steps to protect my rights, including filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and my states Attorney Generals office. 

Additionally, you are instructed to cease and desist from all further communication with me regarding this matter unless it is to provide the requested validation or to notify me that the debt is being dismissed or returned to the original creditor. 

Failure to comply with this request will result in my pursuit of legal remedies, including but not limited to claims for damages, legal fees, and other relief allowed under federal and state law. 

This is not an acknowledgment of any debt nor a promise to pay. Any further attempt to collect without proper validation will be considered harassment and treated 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 explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had Mortgage with XXXX beginning XXXX, XXXX. In XXXX and XXXX we were victims of Hurricanes XXXX and XXXX. 
Property sustained damage and were wee denied XXXX assistance due to Poor credit. I requested mortgage assistance from XXXX and was in constant communication with the Bank since Fall of XXXX. 
While XXXX failed to help us I filed official complaint against XXXX and right after filing said complaint my Mortgage was transferred from XXXX to XXXX XXXX in XXXX of XXXX. 
XXXX incorrectly reports late payments in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. 
I had submitted XXXX XXXX XXXX  Statenemts reflecting records that payments were made on time, however, XXXX still reports my payments as late. 
Not only that, but XXXX XXXX  company reports late payments in XXXX of XXXX. I simply couldn't have two mortgage providers for same property at the same time, but XXXX insisted on reporting late payments despite the fact that they were provided bank statements reflecting timely payments...

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 2024-12-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had Mortgage with XXXX beginning XXXX, XXXX. In XXXX and XXXX we were victims of Hurricanes XXXX and XXXX. 
Property sustained damage and were wee denied XXXX assistance due to XXXX credit. I requested mortgage assistance from XXXX and was in constant communication with the Bank since Fall of XXXX. 
While XXXX failed to help us I filed official complaint against XXXX and right after filing said complaint my Mortgage was transferred from XXXX to XXXX XXXX  in XXXX of XXXX. 
XXXX incorrectly reports late payments in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. 
I had submitted XXXX XXXX XXXX  Statenemts reflecting records that payments were made on time, however, XXXX still reports my payments as late. 
Not only that, but XXXX XXXX  company reports late payments in XXXX of XXXX. I simply couldn't have XXXX mortgage providers for same property at the same time, but XXXX insisted on reporting late payments despite the fact that they were provided bank statements reflecting timely payments...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, DETE OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXX XXXX XXXX  Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX  OF LAST ACTIVITY, XXXX  REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX  REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, XXXX OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX OF LAST ACTIVITY, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
My accounts 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 to be removed/updated. 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
fortiva credit card has charged me with too much interest and fees, even though i explained my financial problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MD

Complaint narrative:
Subject : Request for Permissible Purpose for Credit Inquiries Dear, XXXX, TransUnion, and XXXX I am writing to request an explanation of the permissible purpose ( s ) under which your organization has reported inquiries on my credit report under the name XXXX, XXXX XXXX XXXX. 
These inquiries appear to have been submitted to or through your agency. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are permitted to provide access to credit information only for specific purposes, such as : 1. Credit transactions initiated by the consumer.

2. Employment purposes with the consumer 's consent.

3. Insurance underwriting initiated by the consumer.

4. Legitimate business needs in connection with a transaction initiated by the consumer.

The FCRA mandates that all credit inquiries meet one of these permissible purposes. I kindly request : 1. A detailed explanation of the permissible purpose associated with any and all inquiries reported under my name.

2. A list of entities that accessed my credit report through your agency and the reason for each inquiry.

3. Copies of any records or documentation you have on file that support the reporting of these inquiries. 
If any inquiries were conducted without a permissible purpose or without my consent, I respectfully request that you investigate the matter and remove any unauthorized inquiries from my credit report. 
Please respond to my request within 30 days as required by the FCRA. You may contact me at the information provided above if additional details are needed.

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 2024-12-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Request for Permissible Purpose for Credit Inquiries Dear, XXXX, XXXX, and Equifax I am writing to request an explanation of the permissible purpose ( s ) under which your organization has reported inquiries on my credit report under the name XXXX, XXXX XXXX XXXX. 
These inquiries appear to have been submitted to or through your agency. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are permitted to provide access to credit information only for specific purposes, such as : 1. Credit transactions initiated by the consumer.

2. Employment purposes with the consumer 's consent.

3. Insurance underwriting initiated by the consumer.

4. Legitimate business needs in connection with a transaction initiated by the consumer.

The FCRA mandates that all credit inquiries meet one of these permissible purposes. I kindly request : 1. A detailed explanation of the permissible purpose associated with any and all inquiries reported under my name. 
2. A list of entities that accessed my credit report through your agency and the reason for each inquiry.

3. Copies of any records or documentation you have on file that support the reporting of these inquiries.

If any inquiries were conducted without a permissible purpose or without my consent, I respectfully request that you investigate the matter and remove any unauthorized inquiries from my credit report.

Please respond to my request within 30 days as required by the FCRA. You may contact me at the information provided above if additional details are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX  credit card has charged me with too much interest and fees for being late, even after i explained my financial problems

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