vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
In XX/XX/XXXX I received several promotional emails from Commenity Bank about {$10.00} account credit for making XXXX XXXX XXXX XXXX XXXX transactions. I made XXXX transactions : XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received my account credit and I contacted Commenity Bank more than once and they inappropriately responded with letters after a review about a dispute of a manner that I did not initiate that was different from the clearly provable XXXX for {$10.00} credit offer I noted very clearly over the phone and via email. They falsely indicated that I only made XXXX transactions even though all of these transactions are listed together in the transactions list of my account. They also cruelly reversed a {$15.00} credit they made earlier on XX/XX/XXXX based on this false statement of XXXX vs XXXX out of network transactions. 
I want the {$15.00} credit returned to my account balance along with the {$10.00} credit per the promotion. 

In addition to all of this I have recently been having issues connecting or successfully logging into my account, which recently caused me to be charged a late even though payments were made on the date the payment was due XXXXXXXX XXXX in the early afternoon. By the time I was able to get to the payments page their system would force me to make a payment on the day after the payment due this causing a late fee. The first one was {$30.00} and they very sternly refused to credit only {$15.00} even though I have always been on time with payments and this was the first issue with them beyond the promotion issue noted above. The last one was the other week, which was {$40.00} and was caused in exactly the same manner as the first. 
I am requesting reversal of the remaining {$15.00} from the first one and compassionate forgiveness of the {$40.00} second one. 

I have put special alarms for this account to try to absolutely ensure that this doesn't happen again by trying to pay weeks earlier in case there are more log in and access problems since the other times were too close to the date and the time zone cut off settings are too harsh.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-25 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: The Best Service Co.,Inc
State: AZ

Complaint narrative:
Company Name : BEST SERVICE COMPANY Address : XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Account Number : XXXX Good afternoon so I purchased a lease agreement with, best service XXXX XXXX XXXX XXXX XXXX, and have seen this lease agreement on my credit report which was irritating and for awhile and have just now taken theaction to remove it ; being it was collections account from them. It was a few days ago that I reached out to the company and disputed this but from lack of information that I gave on my dispute when disputing this with my credit agencys, I was asked for more information, so Ive decided to contact the company not to long ago and they couldnt provide a purchase agreement when I called and reached out to them, this pushed me to come here, and further settle it, so Im here to try and do that today.So id suggest if they would verify this purchase agreement with me, and please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit immediately?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I noticed a charge on my account from XX/XX/XXXX from XXXX ; I dont have a XXXX subscription or account. I contacted XXXX and provided the information the requested, including current email address, alternate email address and also provided my XXXX email address. I told them I dont have an account with them and only once had a free trial that I ended before being charged. They researched and did not locate any account of mine, other than the free trial I told them about, that they confirmed was never charged. I also provided my sisters name and email address, as she used to have a XXXX account that was cancelled in XX/XX/XXXX, in the event that my card was linked to her account and was being charged beyond the cancellation. They obtained the last XXXX of my current debit card number, as well as my previous debit card number. The agent researched and said my cards were not linked or listed on my sisters closed account. They determined that these charges are fraudulent from some other party, and told me to contact my bank and provided a reference number. At this time, I located XXXX charges from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I contacted my bank to discuss the matter and file a claim. By this time, a XXXX charge was now pending. The agent asked for a list of charges, the date the charge was processed, date posted and amount of the charge. I worked backwards from XX/XX/XXXX to XX/XX/XXXX, as the XX/XX/XXXX charge was no longer showing. I realized that the history only goes back XXXX XXXX, so with the XXXX charge, it would only show as far back as XX/XX/XXXX. I decided to look further back and learned that these charges went back to XX/XX/XXXX. I provided the date each charge was processed, date posted and amount of the charge per the agents request. 

On XX/XX/XXXX, I received an update email from my bank that the claim had been denied because they were unable to locate the transactions I am disputing and determined I was not charged on XX/XX/XXXX. I have bank statements that show every single charge that I am disputing.

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 2024-11-25 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:
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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Capital One pulled a hard inquiry on XX/XX/year> with out my requested do to a stollen identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C.
State: OH

Complaint narrative:
Wilber Group told me that they have filed a claim with the XXXX to have my XXXX XXXX until I prove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The first person I spoke to lied about the definition of the term XXXX, telling me that it is a fancy term for XXXX XXXX. Then refused to let me speak as I tried to inform her of her blatant misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I want all my Capital One cards closed, they kept charging late fees despite their system not accepting my payments on time and now they keep reporting I'm behind in payments despite efforts to close my cards. 

I'm done with the company completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX 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 explanation
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2024-11-25 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: AZ

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute information contained in my XXXX XXXX XXXX XXXX XXXX ) report. Upon reviewing the report, I noticed a transaction listed as occurring on XX/XX/XXXX, in the amount of {$960.00}. I do not recognize this transaction and have no knowledge of it. 
When I contacted Bank of America, the financial institution associated with my account, their representatives provided inconsistent and unhelpful responses. Specifically : I was informed by one representative that the {$960.00} transaction was a regular transaction, not marked as fraudulent or overdue. 
Another representative stated that no actionable issues or outstanding balances were found on my account. 
Despite my efforts to seek clarification, no one could provide evidence or further details about this transaction. 
Given these inconsistencies and my lack of knowledge of this transaction, I am requesting a thorough investigation by XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that only accurate and verifiable information be included in a consumer report. 
Specifically, I request the following : Verification of the {$960.00} transaction, including documentation that establishes its validity and connection to me. 
Correction or removal of this transaction from my report if it can not be verified. 
A written explanation of the findings of your investigation. 
I am looking for a solution of this issue, but the bank company is not helping me with any kind of assistance. I will ask to get a removal of this report if the bank can not provide not information about this issue involving me. 

Account number XXXX Date : XX/XX/XXXX Transaction amount : XXXX ID number : XXXX Type Id : Passport Consumer ID : XXXX SSN : 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 monetary relief
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report 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 2024-11-25 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: MD

Complaint narrative:
Im very upset to see that my credit report has an account on it thats completely incorrect or not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
Consumer Name : ( 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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