vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: NC

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX, has violated my rights.

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: FL

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 XXXXXXXX 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 XXXXXXXX, has violated my rights.

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 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.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am filing this complaint because the reported debt is erroneous on several grounds. Firstly, the debt appears to be a duplicate entry, causing an inflated total balance that misrepresents my financial situation. Additionally, the report contains missing information that impacts its accuracy, such as omitted payments and transactions. My personal information is incorrectly listed, adding to the confusion and potential mix-up with another individual 's debt. Unauthorized charges have been included in the debt, which I have not consented to. The creditor has failed to provide proof of the debt 's validity or any contractual obligations that bear my wet signature. The reported balance owed is incorrect, and the payment history is inaccurately portrayed, showing late payments where timely payments were made. These cumulative errors violate the Federal Credit Reporting Act ( FCRA ) and necessitate immediate correction to reflect an accurate and fair credit report.

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 2024-07-11 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: OR

Complaint narrative:
I am filing this complaint because the reported debt is erroneous on several grounds. Firstly, the debt appears to be a duplicate entry, causing an inflated total balance that misrepresents my financial situation. Additionally, the report contains missing information that impacts its accuracy, such as omitted payments and transactions. My personal information is incorrectly listed, adding to the confusion and potential mix-up with another individual 's debt. Unauthorized charges have been included in the debt, which I have not consented to. The creditor has failed to provide proof of the debt 's validity or any contractual obligations that bear my wet signature. The reported balance owed is incorrect, and the payment history is inaccurately portrayed, showing late payments where timely payments were made. These cumulative errors violate the Federal Credit Reporting Act ( FCRA ) and necessitate immediate correction to reflect an accurate and fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: OR

Complaint narrative:
I am filing this complaint because the reported debt is erroneous on several grounds. Firstly, the debt appears to be a duplicate entry, causing an inflated total balance that misrepresents my financial situation. Additionally, the report contains missing information that impacts its accuracy, such as omitted payments and transactions. My personal information is incorrectly listed, adding to the confusion and potential mix-up with another individual 's debt. Unauthorized charges have been included in the debt, which I have not consented to. The creditor has failed to provide proof of the debt 's validity or any contractual obligations that bear my wet signature. The reported balance owed is incorrect, and the payment history is inaccurately portrayed, showing late payments where timely payments were made. These cumulative errors violate the Federal Credit Reporting Act ( FCRA ) and necessitate immediate correction to reflect an accurate and fair credit report.

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 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I had a Macys CC an purchased some earrings ( Diamonds ) on or about XXXX or XXXX these items were never received by me being signing from a shipping company or any proof of signature, seems like the items were left unattended at the front door someone may have taken them, as I received E-mail that items were delivered check my mail box which was a po box but items were not there called Macys an disputed the items an explained I never received them also requested a Credit from them never did. 
The items seemed to have been left at the front door with no signature to receive the package

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 2024-07-11 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:
I filed a complaint with this company XX/XX/XXXX regarding incorrect information report. If XXXX XXXX XXXX  store the cord is for in-store only. 
I purchased some merchandise XXXX or XX/XX/XXXX. The merchandise was returned. Original items brand new. XXXX only gave me a partial credit back when I questioned time and time again why they reported my account delinquent which cause my other credit cards that Ive worked so hard to obtain credit limit to be decreased, which cause my credit score drop XXXX point. 

This agency contacted XXXX I received a letter from XXXX dated XX/XX/XXXX of XXXX indicating that they had put a request in to send all applicable credit reporting agencies the correct information to the discrepancies for my account. XXXX is continually reporting I received an email XXXX days ago that my cold credit card has reported to Equifax for the third time that this account is delinquent there is no balance. I dont know how many times I have to complain to this agency. I dont know what else I need to do it says XXXX/ XXXX XXXX  I contact to capital one they do not oversee the XXXXs in-store credit card only the XXXX universal credit card . 

Because of the lies, the accuracies, XXXX has caused me tremendous stress, and my credit score to take a serious decline because of their false information. I have no merchandise. All of it was returned. My question to XXXX, which XXXX never answered is regardless, if the item was on sale or night. Whatever the customer is charge to purchase the item when the item is returned the customer is to receive the full purchase amount as a credit. No where does it state if a customer uses whatever credit its available when they return the item that they charge the fee what that makes no sense XXXX needs to stop reporting lies on my credit report Ive had enough. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

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 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 2024-07-11 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX ) 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 in ( MONTHS REPORTING LATE ) to be removed. 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 XXXX 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! Delete 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 2024-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I signed up for the XXXX XXXX XXXX XXXXXXXX credit card with Comenity Bank on XXXX. On XX/XX/XXXX I added my XXXX XXXX  XXXX checking account information to the Payboo credit card with Comenity Bank. 

I didn't buy anything for over a year and then I made a ~ {$3000.00} purchase from XXXX XXXX  XXXX. I received bill notifications from Comenity but assumed that the bill would be paid when it came due. In the bill statement there was never a suggestion that I was or was not signed up for automatic payment or that I could be. When I received an email notification from Comenity that my bill was overdue I immediately called and gave them my bank information to pay the bill. They waived the {$30.00} fee but refused to waive the $ XXXX finance charge ( on XX/XX/XXXX they added a {$2.00} minimum interest charge ). The agent helped me write a note explaining the situation to " someone '' at Comenity who might be able to help but I never heard back. 

When I spoke to a supervisor on XX/XX/XXXX she said that they had posted a response on my Comenity account ( why I would ever go there seems not to have been a question for them because they never sent me an email message telling me I had a message in my Comenity account ). I read the message today and the reason they gave for refusing to waive the finance charge was : " We are unable to remove finance charges because they are accurate. '' The supervisor also made it clear that even if I had signed up for automatic payment if I hadn't made a purchase within about 6 months of signing up the automatic payment provision would have lapsed. In other words, damned if I do and damned if I don't. 

I suggested to the supervisor that they could waive the payment but she said that was impossible. I suggested that they could credit my account with that amount but she said that was impossible. I also told her that I'm XXXX years old and things slipped my mind sometimes and she said " we're all getting older ''. I told her I would be contacting CFPB and she didn't seem to care. 

Is my complaint justifiable? Since this complaint will be going to Comenity I want to add : Justifiable or not this is not customer " service ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Destiny mastercard offered an excellent promotion to help rebuild credit so I applied and received the card. I planned on using it once in a while and paying it off right away. The first day, I charged XXXX dollars at a gas station. I received an email with my new balance of {$210.00}. Apparently there was an asterix on the promotion stating that you would be assessed their fee of {$200.00} the first time you used it. I tried to cancel it the same day, but the rep said that regardless of how or why I signed up, I either paid the {$200.00} fee or they put it in collection. I will gladly pay the {$12.00} or so, I'll even give them {$20.00}. I just want that deceptive membership fee removed. I have already cancelled the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
Upon checking my credit report I have discovered, I have a fraudulent account that is reported on it, the account in question is XXXX XXXX  with the account number XXXX, this account is fraudulent I have never opened such account in my name. This account is associated with a fraudulent address XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Please remove this fraudulent information as its fraudulent and not true.

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 2024-07-11 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: TX

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX, XXXX 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 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 in months that are reported late to be removed.

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, XXXX XXXX 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! 

Delete 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 2024-07-11 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: GA

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 in MONTHS REPORTING LATE to be removed 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.

This company 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! 

Delete 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