vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions Creditor Information 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I received reference number XXXX by email stating that they couldn't confirm my info and need more to include photo of my drivers license, social security card, government ID or more, something I know they didn't need as they already had relevant data and impeccable credit. 

I called and talked to 'XXXX XXXX at Chase Ph XXXX to confirm that's what they wanted. Once confirmed, I reminded her of my credit history and that personal information like social security number and sending them a picture of my drivers license was inappropriate and possibly illegal and that she had all the info of me that she needed. 

Insisting that I send more my told her to delete my info from their data banks that I do not want or need their card and that I did not want to be on a mailing list, have my info exposed, sold, or traded and that I would complain to the FCC ( CFPB ) to insure this. I am doing this so others don't get their info exposed by this CHASE Credit Card, and again, I don't need or want their business and surely don't want mine or anybody 's info used by them for nefarious purposes. 

They used a gimmick, ( XXXX {$50.00} free on XXXX ) to get me to file for a card and I admittingly fell for it like a fool. Lucky for me I wised up and ended it and no, I don't want anything from them but only to shine light on them to protect other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to make a purchase. However, I was unable to access my credit after verifying my card and PIN information ( Exhibit A ) / Exhibit B ). During this period, my account was not in default and I had an available balance. On XX/XX/XXXX, I credited my account by phone. According to Targets cut-off time payment policy, payments submitted prior to 11 pm of the due date would be credited the same day ( Exhibit C ). I received confirmation of my payment around 7 pm. ( Exhibit D ). ( The second number is either z v or b, the automated voice system wasnt clear enough to catch that letter. ) On XX/XX/XXXX, I received a billing error in the form of a late payment fee on my credit card statement ( Exhibit E ). I contacted costumer service and spoke with an representative by the name of XXXX. I voiced my concerns with XXXX on how my rights were violated as a result of Targets error in processing my credit along with the inability to use my credit due to blockage. XXXX tried to ensure that the payment along with the late payment fee would be credited back to my account after 48 hours. XXXX also stated that he unblocked my PIN and information. I informed him that I did not consent to my account being blocked. When I voiced that I would be following up in regards to my mistreatment as a consumer, XXXX stated he was unable to provide his employee ID number. I am now being inconvenienced when I upheld my loyalty as a consumer and made my payment promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im submitting a complaint to inform you again that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00}.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This credit reporting agency has stated that the following accounts XXXX # XXXX first late payment was XX/XX/XXXX and XXXX  # XXXX first late payment was XX/XX/XXXX are accurate and verified after they did an investigation to verify the ALL The information was correct. however these accounts are passed the 7 years allowed for reporting on the credit report and therefore must be deleted. This inaccuracy has caused me to be declined for a new car loan. 
I have attached XXXX response showing that they have deleted BOTH accounts after they did do a proper investigation and I am requesting the this reporting agency do the same immediately.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Loantopia
State: MO

Complaint narrative:
I had ACH debit set up for this loan. I have been paying regularly without issue. I contacted about refinancing the very high, predatory rate. The customer service representative states I can not speak to anyone about refinance and early pay off was not an option. I asked they stop my ACH withdrawals. He hung up on me. My next due date the ACH payment was taken out. I called back and stated I wanted an early payoff. I was going to refinance with another company. I was made to hold for extraordinarily long time. Again ACH debited. I finally sent an email explicitly stating I was contacting this entity and they no longer had permission to access my account. The ACH stopped. They began to call my work place. I asked it stopped. It did not until I threatened legal action. They are aggressive, predatory lenders who bully and harass people. I have no issue getting back on track but now they have forwarded me to the legal dept and charged fees. I have used multiple online lenders without issue. This company is overly aggressive.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Dispute letter submitted to Experian XX/XX/2022 to remove inaccurate addresses from report. As of XXXX XX/XX/2022, some inaccurate information still being reported.

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 2022-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Compattia Roccia Management Group, LLC
State: KS

Complaint narrative:
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 
3. Proof of Claim that COMPATTIA ROCCIA MANAGEMENT GROUP , LLC has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency.

I hereby serve Notice that failure to provide Proof of Claim by COMPATTIA ROCCIA MANAGEMENT GROUP , LLC has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring COMPATTIA ROCCIA MANAGEMENT GROUP , LLC from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of COMPATTIA ROCCIA MANAGEMENT GROUP , LLC agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a 30-day late payment on my payment historical record for the month of XXXX on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I submitted a dispute previously for the same issue, the credit bureaus only fixed part of the issue but did not correct the entire issue. The only updated the account status and removed only one late payment in the history for the month of XXXX, but not for XXXX. The 30-Day late payment should not be there and was put on the credit report as an error on XXXX XXXX XXXX XXXX XXXX end. I have a letter from XXXX XXXX XXXX XXXX ( Mortgage ) stating that it was their error and they was going to remove the 30-day late payment for the month of XXXX and for XXXX, but XXXX is still reporting as 30-Days late in the historical record, which needs to be updated and the XXXX late payment needs to be removed immediately. I have disputed this account with XXXX, Equifax, and XXXX and they have not removed/updated this account to reflect a " never late ' payment status for the month of XXXX or a " Never Late '' on my credit report and XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account for the month of XXXX immediately and if it is not removed, I will be filing a lawsuit against XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for XXXX from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status for the month of XXXX. Therefore, I have attached it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Somebody signed up for credit cards in my name. And also I have 1 hard inquiry and 2 closed accounts that needs to be deleted. Why? Because I am a victim of identity theft I did not apply for these. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:517805XXXXXX Account Opened : XX/XX/2022 Balance : {$440.00} ***UNAUTHORIZED inquiries and closed accounts CONTINUE ON THE NEXT PAGE*** Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Opened : XX/XX/2022 Balance : {$530.00} Unauthorized Inquiries : Credit card Inquiry name : XXXX Inquiry date : XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 a FINANCE CHARGE of {$430.00} for a purchase of {$1000.00} was added on my XXXX XXXX XXXX Credit Card issued from Comenity Capital Bank. 
This is about an instant 43 % interest rate added on my original purchase price ( {$1000.00} ), and I was not told anything about this when my credit card was used. 
When the purchase was made, I was told by the representative that it would be 2 years interest free, but Comenity Bank changed this to 18 months and added a fee of {$430.00}. They showed me printout terms with type of signature that it seems electronic copy of signature!!!! 
I called Costumer Service and informed them about. I spoke with about four different representatives, and I even told them that I'm willing to pay the full amount of the balance on the card ( without this unapproved extra charge ), but no solution was given. I was constantly told that it is my responsibility to check credit card statements so I can check when this credit card company shows all added fees. According to them it is not necessary to know upfront anything about extra fees and extra charges, if everything shows on their credit card statements. 
This is very unfair practice. The customer should know upfront about all the fees, especially when a credit card company adds a fee over 43 % of original purchase!!!!!

Company response to consumer: Closed with explanation