vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: Kikoff Inc.
State: FL

Complaint narrative:
I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. I previously disputed this with XXXX on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act. 

Additionally, I have noticed inconsistencies in how this account is being reported across the credit bureaus. Not all credit bureaus are reporting the same late payment information for this account, which highlights further inaccuracies in the reporting. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported to credit bureaus must be accurate and consistent.

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the FCRA, and direct the credit bureau to remove or correct the late payment information.

I am requesting that these late payments be corrected and reported as on-time payments, consistent with the CARES Act 's protections.

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account, information on the CARES Act 's expiration date, and evidence of the inconsistencies in reporting across bureaus. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I am being contacted by Radius Global Solutions LLC on behalf of XXXX XXXX I, XXXX to collect on a debt for an account that I have never owned. 

The amount is for {$1400.00} and states the original creditor is XXXX XXXX XXXX. I have never been contacted by XXXX XXXX, nor have I ever taken a line of credit with XXXX XXXX through 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 2024-11-29 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, I am writing to formally request an update to my personal information on my credit report. The current report contains incorrect or outdated information that needs to be corrected.

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 2024-11-29 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: TX

Complaint narrative:
Your failure to validate disputed late payments violates the Fair Credit Reporting Act. Despite my written dispute over 30 days ago, you have not responded or provided required documentation.

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank charged my minimum payment twice on XXXX of my credit cards for {$52.00} and {$84.00}. My credit cards ending in XXXX and XXXX respectively. I need a refund of the amounts charged to my original debit account.

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 2024-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
1st complaint : We have had a mortgage on our home for 15 years now. No problems. Mr. Cooper comes along, the following issues have taken place : They took over our mortgage XX/XX/XXXX. By statement dated XX/XX/XXXX they said our escrow was XXXX. Statement dated XX/XX/XXXX, XXXX. We received an escrow review statement dated XX/XX/XXXX saying, {$3100.00} shortage on our escrow. How in the XXXX did it go from XXXX to {$3100.00} within such a short period? Then drop down on statement dated XX/XX/XXXX to XXXX. Then back up to XXXX on statement dated XX/XX/XXXX. XX/XX/XXXX, XXXX then back to {$2000.00} shortage on statement dated XX/XX/XXXX. 
2nd complaint : I was a little late not 30 days but for about 4 months because we switched jobs and only get paid bi monthly. We finally got back on track and now they are saying that they have not received our XX/XX/XXXX payment even though I mailed the payment in advance, XX/XX/XXXX. We have until the XXXX before late fees are added. I know how long it takes to get to them because nothing has changed since I started paying them. 
3rd complaint : I was charged XXXX late charge payments of {$44.00} on XX/XX/XXXX plus an additional Late charge assessed of {$44.00}. We were also charged not only a late fee of {$44.00} but what they called a late charge assessment fee of {$41.00} on the statement dated XX/XX/XXXX, and on the statement dated XX/XX/XXXX a late charge assessed, {$44.00} on date XX/XX/XXXX, escrow payment of ONLY {$2.00} on XX/XX/XXXX, another late charge payment, {$41.00}, {$44.00} both dated XX/XX/XXXX. The same on statement dated XX/XX/XXXX. I think me and my husband are being taken advantage of because he is a XXXX XXXX veteran. We want a new mortgage lender and we do NOT want to refinance AGAIN to get one. We shouldn't have to refinance to change from someone who obviously is doing illegal things just to get money from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Approximately XXXX to XXXX weeks ago, I called in to my XXXX Comenity card and wanted to know the total owed because I finally got a job and I wanted to pay the bill and I wanted to pay it off. I was given the amount of {$200.00} which I paid on XX/XX/XXXX, XXXX approximately a week after I made the payment I get a bill in the mail telling me I still owe {$35.00} and some change. I have called twice speaking to supervisors and they fight with me on the phone and end up hanging up with me telling me theyre going to continue to bill me for the rest of that money, and blame it on me and tell me that the bill is the right thing to look out not what the agent information was so theyre trying to blame it on me to get more money. Additionally, I got another notice today, threatening me and theyve closed my account stating I requested it. These are frustrating people and for some reason I feel like theyre breaking the law and trying to place their mistake on to me. Ive had trouble with them before on the Commenity XXXX and came here to consumer finance and they ended up opening the card back up Im tired of these wicked games. Im going to be XXXX in XXXX and I have limited funds, and Im waiting to go back to work

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXXXXXX issued by Blackhawk Network Holdings , Inc., which has been completely unusable. Despite filing a prior case ( # XXXX ) requesting a resolution and asking for a check to replace the cards value, no action has been taken to resolve the matter. Instead, I received an unhelpful and dismissive response that failed to address the issue. 

The card can not be used with any online merchant. I have attempted to use it at multiple retailers, and each time I receive an error stating that the purchase can not be processed due to an issue with the card. This has occurred consistently, with no exceptions, across all platforms Ive tried. 

It is extremely frustrating that I must now file another complaint because Blackhawk Network Holdings has chosen not to address the problem appropriately. Their refusal to replace the unusable card with a check is unreasonable and unacceptable.

I have used countless gift cards in the past and never encountered one that was completely nonfunctional. This is by far the most disappointing experience I have had with any rewards or gift card provider.

I am demanding that Blackhawk Network Holdings issue a check for the value of this unusable card immediately. If this matter is not resolved promptly, I will continue to escalate the issue by filing further complaints, including with the XXXX XXXX XXXX and other consumer protection organizations, to ensure they are held accountable. 

Thank you for your attention to this matter. I look forward to a timely and satisfactory resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I was at XXXX XXXXXXXX XXXX XXXX getting my car fixed and the owner brought up a payment. Plan from a company called Easy Pay Finance. He had me sign an online document to get installments of {$190.00} biweekly. I was told that there would be a bit of an interest rate after 90 days if my loan wasnt paid off by then. I only had {$2400.00} to pay off and I assumed the {$190.00} biweekly would pay it off within the 90 days however, the finance company made it so that I barely hit my mark by the 90 days and charged me an interest rate of 173 % along with several other fees. Instead of starting the interest rate on the 90 days, they took {$960.00} out of the 2000 that I had already paid and put that towards interest, then charged me {$9.00} every single day that I dont pay the {$2400.00} off. Mind you I had already paid {$2000.00} but when they took the XXXX away it made it so that I still had {$2000.00} left to pay. I am a XXXX XXXXXXXX XXXX  working full-time and still barely making ends meet. I found out about this in late XXXX, a few days after the interest kicked in. I called the company and theyre not willing to work with me and told me theres nothing they can do about it. I had {$2000.00} almost exact to pay from XX/XX/XXXX I believe when I last called them. After never missing a payment of {$190.00}, I still have {$1000.00} left to pay. At this point I might just starve because I literally cant afford anything else. Please. I need help. This isnt at all fair. After looking at the reviews it appears that everyone that used this finance company has been bamboozled out of thousands of dollars from a small loan amount. We all need justice. Again this company is called Easy Pay Finance and it preys on people who cant afford things and makes it so that they will never make it through a paycheck without being in debt. I couldnt even access my contract. Ive tried many times. XXXX XXXX XXXX XXXX and I have no idea how to get out of this dilemma. I dont want my hard earned good credit to be effected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XX/XX/XXXX {$250.00} Personal Information Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5800.00} XXXX  XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$6700.00} XXXX  XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} Late Payment XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4700.00} Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: DE

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: WA

Complaint narrative:
When I was approved for my loan and I asked what the interest rate would be I was told 18 % however they never sent me my loan agreement not even to my email to sign they just typed my name on it. When I go to the website to log in to see the loan agreement because that the only way I can my interest rate says 435 % which I never would have agreed to if thats what I was told I got a loan for XXXX in XXXX and they say I still owe them XXXX for an XXXX dollar loan there is no way they are wanted me to pay them XXXX dollars through XXXX of next year for a XXXX dollar loan its ridiculous. Im trying everything I can to get this loan disputed because this company not only XXXX XXXX XXXX but lied Im never using them again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 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 2024-11-29 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: NM

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 2024-11-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number. 

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief