vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: PA

Complaint narrative:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/24 I informed Netcredit that I was being represented by an attorney regarding this debt. I gave them the name and address of the attorney via phone and email. I was told by Netcredit that I needed to get power of attorney for them to speak with my attorney regarding this debt. My attorney informed me that according to FDCPA 15 USC 1692 c 804 ( 6 ) and 805 ( 2 ) and Florida Statute 559.72 ( 18 ) that all I need to do is provide them the attorney information. This is not a bankruptcy attorney nor a debt consolidation attorney. This is a personal consumer rights attorney. They must direct further collections to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights privacy under 15 U.S.C 1681. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 states I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports 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 7 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 non-monetary relief
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
To Whom It May Concern, Upon recently obtaining a copy of my credit report, I was deeply concerned by the findings. It has come to my attention that there are late payments listed on my consumer credit report that absolutely should not be there. 

I tried numerous of times via phone call and even mailed off letter to get this information removed. I'm very disappointed and lost for hope. 

XXXX - XXXX - Payment Never Late - The payment status does not correspond to the payment history. if you can please investigate and update the payment history. 

XXXX XXXX - XXXX - Payment Never Late - The payment status does not correspond to the payment history. if you can please investigate and update the payment history. 


I am compelled to bring to your attention that according to the law, there should be no late payments recorded on my consumer report under any circumstances, especially without my consent or any involvement in the alleged transactions. 

These discrepancies represent clear violations of my consumer rights as outlined in 15 U.S. Code 1681a, 15 U.S. Code 1681a1, and 15 U.S. Code 1666b.

I kindly request that you promptly rectify this matter by removing these erroneous late payments from my consumer report and updating the associated account accordingly. 

I have proof that the late payment has been remove from other credit reporting agency however XXXX and Experian has failed to acknowledge my disputes. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 2024-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I had a promotional balance on on Overstock credit card that was due on XX/XX/XXXX. On XX/XX/XXXX I called into make my payment and choose the option to pay my balance in full. I did this and was provided a confirmation number # XXXX that my balance of {$610.00} was paid in full. I have now been issued a late fee of {$37.00}. I have called 3 times to ask for this to be removed and they say they can't do this as the account is closed. I spoke to Bread Financial, the parent company and they also refused to help. I am asking for a refund of the late fees and for my account to be looked at, as they didn't provide options for auto pay and made it difficult for me to make payments, so I also had other fees due to this. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
Ive been a victim of 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 2024-05-20 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
, I am writing to express my concern regarding the unauthorized reporting of my personal information on my consumer report. As a consumer, I am protected under 15 USC 1681a ( 4 ), which grants me the right to privacy. This implies that my non-public information should remain confidential per 15 USC 1681 ( b ). The unauthorized reporting of my information has violated my rights. In accordance with 15 USC 6801, the Privacy Obligation Policy, Congress has mandated that every financial institution has a continuous duty to respect its customers ' privacy and safeguard the security and confidentiality of their non-public personal information. It is my understanding that AFFRIM INC has not upheld this obligation, thereby infringing upon my right to privacy. The Financial Institutions Safeguards, as outlined in section 6801 ( a ), require each agency to establish appropriate standards for financial institutions under their jurisdiction. These standards pertain to administrative, technical, and physical safeguards to ensure the security and confidentiality of customer records and information, protect against anticipated threats or hazards to the security or integrity of such records, and guard against unauthorized access or use of such records or information. I am deeply concerned that my non-public personal information has been reported to consumer reporting agencies, especially given the numerous data breaches these agencies have experienced. This is not only an inconvenience but also a violation of 15 USC 6801 ( b ) ( 3 ). 15 USC 6802 outlines the disclosures financial institutions should provide consumers before reporting any information to which I sent out a opt out letter certified mail on XXXX  ( aprox 20 days after this account was open ) formally requesting all my personal non public information not be shared as per 15 USC 6802 of the Gramm-Leach-Bliley Act to which went disregarded And it was place on my consumer report anyway to which is a Direct violation FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Back in 2022 I got behind on my bill for commenity Bank for Victoria secret card. I call to make payment arrangements and tried to use my payment protection insurance I paid for. I was told by the gentleman on the phone I could not make XXXX dollar payments and they would not let me use my insurance to pay the account. They closed my card and sent me to collection for almost twice the amount and I could not pay payments at all even by calling. And before I got behind I was paying payment on the on the victoria secret app but they block access to your account if you are a day late and make you call and pay a fee to make a payment every time. I was sent to multiple collections agencies with out notice of bill transfer and the given a garnishment package without a court date to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$1000.00} MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$1100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened - XX/XX/XXXX Balance - {$710.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened -XXXX XXXXXXXX, XXXX Balance - {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account number - XXXX Date opened- XX/XX/XXXX Balance - {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
The BridgecrestXXXX website lacks transparency. There is no way for a customer to view their historical loan balances nor the amount of interest paid. There is no monthly statement provided either. To my knowledge, I never received an annual disclosure or any kind of regular statement in the mail about my loan. All I was looking for was the ending loan balance at XX/XX/2023 and the interest paid for the year XXXX and that information was not available on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This Comenity account is showing on my credit report as the last stepping stone of fraud prior to what appears to be a fraudulent life insurance policy in my name thru XXXX XXXX XXXX. This bank shows on my XXXX dispute of an address I never lived at that I disputed the date for 'Comenity Bank XXXX XXXX is XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX inquiry shows XXXX XXXX XXXX.

I reported this to the FDIC however I lost access to the email address I used to file the complaint ( XXXX ) Please inform me what's going on with this cause it looks like this is a credit card or checking account that was used to make a fraudulent life insurance policy in my name, ironically right before everywhere I go weird nefarious things have been occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Fourth Attempt to file a complaint against Wells Fargo as my lawyer was ghosted. Loan origination in XX/XX/XXXX. 

Wells Fargo only disclosed half of a years worth of property taxes despite the title company specifying every six months in the certification sent to Wells Fargo. Because of this our mortgage has increased {$500.00} per month since loan closing due to escrow analysis. This will continue to increase outside of anyone 's control due to county changes which we were factoring in when buying at the original amount disclosed to us - however, that " cushion '' is lost due to the error of only disclosing six months of property taxes. 

Other items during loan origination that were unlawful/unethical include - Lack of ability to get in contact with my Loan Processor causing Loan Estimate to Expire ( I attempted to get in contact with her several times prior to her attempting to reach out to me ), Unlocking of and increasing of interest rate ( including the addition of .25 % discount point ) that was locked in during first call with the Loan Originator through XX/XX/XXXX ( after closing date of XX/XX/XXXX ). Addition of fees exceeding appropriate tolerance as stated in TRID guidelines- of either that they need to be originally disclosed or a new disclosure needs to be sent within 3 days, however, on XX/XX/XXXX ( on my 7 day Closing Disclosure ) is when an additional fee of {$190.00} was added on my title services.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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. these are the accounts : Incorrect Name 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
my credit report have about 25 inquires on my report on the same dates im not aware of whats going on someone stole my identity

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 2024-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX when the creditor submitted a manual update in XX/XX/2024. The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within XXXX days. It has been well over 4 months and this account remains. Please see the attached response from the company and remove this account within 7 days.

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 2024-05-20 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 explanation