vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was locked out of my Comenity account and could not make a payment, thus resulting in a shortage of promotional payoff in the amount of {$1.00} ... I was then charged all the deferred interest charges in the amount of {$2400.00} -I called in on or about XX/XX/year> to report being locked out of Comenity Account and not being about to make final payment. Comenity said that they would need to mail me a paper billing statement with account # in order for me to re-register in order to gain access again. 

-On or about XX/XX/year> I received a letter from Comenity with my account number and re-registered my account. I noticed that an interest charge of {$2300.00} was applied due to a promotional balance short of {$1.00}. I called into Comenity Bank and they said that I would need to write a Letter and send it into Customer Care. 

-On or about XX/XX/year> I immediately made the payment of {$1.00} to bring the account to the paid in full promotional balance. 

XXXX or XX/XX/year> I wrote a letter ( See attached Letter ) to Comenity Bank explaining my issue of being locked out of my account and not able to make the payment. 

-On or about XXXX XXXX I received a letter from Comenity stating that they want to resolve my inquiry and to call in to Customer Care . Although Customer Care is the one who told me to write a letter. I called into Comenity Care and spoke with who said to now submit a letter through Secure Message Online. 

-On or about XX/XX/year>. I contacted my salesman XXXX XXXX, explained my issues and he called Regional XXXX XXXX XXXX who then called XXXX XXXX to explain the issues. I drove up to XXXX XXXX and spoke with XXXX ( XXXX XXXX ) who then said she will be submitting an email on my behalf to her Credit Department about my issues. XXXX called to tell me that she submitted the email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
: Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( XXXX ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) any actual damages sustained by theconsumeras a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2024-06-15 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:
: Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( XXXX ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) any actual damages sustained by theconsumeras a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Under 15 US Code 1681a ( XXXX ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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 my recent review of my credit reports, I noticed several accounts that I do not recognize and appear to be fraudulent. Below, I describe each of these accounts : XXXX  XXXX XXXX : Account Number : XXXX Date : XXXX Type of Account : Credit Card Description : This credit card account was neither opened nor authorized by me. I am unaware of any transactions or activities related to this account. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : I have not applied for or opened any account with XXXX XXXX. This account appears on my credit report without my knowledge or authorization. 

XXXX XXXX XXXX : Account Number : XXXX Description : I do not recognize this collection account and have had no debt or interaction with XXXX XXXX XXXX that would justify this entry on my credit report. 

XXXX XXXX XXXX : Account Number : XXXX Date : XXXX Description : This is another collection account that was neither opened nor authorized by me. I have no outstanding debt that could be related to XXXX XXXX XXXX. 
These fraudulent accounts are negatively impacting my credit score and my ability to obtain new credit. I request a thorough investigation and the removal of these fraudulent accounts from my credit reports. Thank you for your prompt attention to this matter. 

If you need any adjustments or additional information, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, I filed an arbitration against National Credit Adjusters XXXX l.l.C., however, I have received a notice from the XXXX XXXX XXXX, informing me that National Credit Adjusters, l.l.C., failed to comply with the AAAs policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with National Credit Adjusters , l.l.C. This means they are not only in breach of contract with me but with every other account, National Credit Adjusters , l.l.C is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against National Credit Adjusters , l.l.C, on behalf of all other consumers. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
BLOCK INC. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I NEVER HEARD OF BLOCK INC, THEY TOOK {$95.00} XXXX XXXX  {$6.00}. XXXX XXXX XXXX {$20.00}, I DONT HAVE NO DEALINGS WITH THESE COMPANIES, TAX YEAR XXXX AND I WANT TO SUE FOR FRAUD AND HARRASSMENT, MY NAME IS NOT " XXXXXXXX XXXX XXXX '' PLEASE REMOVE THIS NAME FROM ALL CREDIT BUREAUS NOW XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX MY NAME IS XXXX XXXX PLEASE CORRECT MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: OH

Complaint narrative:
I seen on that XXXX XXXX XXXX XXXX was reporting late payments on my credit profile accofdance with the Fair Credit Reporting 254 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely 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 2024-06-14 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: OH

Complaint narrative:
I seen on that XXXX XXXX XXXX XXXX was reporting late payments on my credit profile accofdance with the Fair Credit Reporting 254 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely 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 non-monetary relief
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  accounts 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if 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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I am writing to remove two fraudulent tradelines on my credit file by DIVERSIFIED ADJ SVC. Furthermore, I am begging this consumer agency to enforce this by helping me remove a fraudulent and blemished collection account from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at, DIVERSIFIED ADJ SVC and the young lady said you people never pay your bills. You people? This is beyond XXXX. I have disputed these illegal debts several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. DIVERSIFIED ADJ SVC, must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has three separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within 5 DAYS of first contacting the Consumer Financial Protection Bureau. DIVERSIFIED ADJ SVC, must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake, and proof. I can prove it is identity theft. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. The recurring patterns of complaints against DIVERSIFIED ADJ SVC, as reflected in the XXXX XXXX XXXX complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to DIVERSIFIED ADJ SVC, continues to be a consistent complaint across all customers. I do not owe this debt and have no contractual relationship with DIVERSIFIED ADJ SVC. Lack of Original Contract : Customers consistently complain that DIVERSIFIED ADJ SVC did not provide me with the original contract that I requested. This contract would confirm the claimed debt. Unfamiliarity with the Company : I am not familiar with XXXX XXXX XXXX or the original debtor. I have never been contacted. Inappropriate Reporting : A complaint suggests that DIVERSIFIED ADJ SVC, reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of Identity Theft : This is identity theft. It points to potential issues with verifying my identity. Unsatisfactory Product/Service : These complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way DIVERSIFIED ADJ managed its debt collection process or communicated with its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation