vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, which is severely impacting my financial stability. XXXX is reporting my 8 student loans double as 16 separate accounts, leading to inflated debt figures on my credit report. This discrepancy has caused my debt-to-income ratio to soar, resulting in a significant drop in my credit scores with no fault of mine. 
As a direct consequence, I am now unable to qualify for a necessary home refinance loan, which is crucial for my financial well-being. This situation is not just an administrative error ; it is jeopardizing my ability to secure stable housing and manage my finances effectively. 
Despite my efforts to resolve this matter directly with XXXX, the issue remains unresolved, and I am in urgent need of support. I respectfully request your intervention to ensure that XXXX corrects this inaccurate reporting and helps restore my credit standing as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, which is severely impacting my financial stability. XXXX is reporting my 8 student loans double as 16 separate accounts, leading to inflated debt figures on my credit report. This discrepancy has caused my debt-to-income ratio to soar, resulting in a significant drop in my credit scores with no fault of mine. 
As a direct consequence, I am now unable to qualify for a necessary home refinance loan, which is crucial for my financial well-being. This situation is not just an administrative error ; it is jeopardizing my ability to secure stable housing and manage my finances effectively. 
Despite my efforts to resolve this matter directly with XXXX, the issue remains unresolved, and I am in urgent need of support. I respectfully request your intervention to ensure that XXXX corrects this inaccurate reporting and helps restore my credit standing as soon as possible.

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 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am writing to formally submit a complaint against Comenity Bank regarding the XXXX XXXX XXXX Credit Card. My complaint pertains to late fees that were assessed on my account after I had paid off the card balance, based on misleading information provided to me by a customer service representative. 

On XX/XX/year>, I contacted Comenity Bank to inquire about my account balance and the process for paying off my credit card. During this call, the representative advised me that I could pay my balance in full to avoid any further charges and to completely satisfy the account. However, I was not informed that interest would continue to accrue until the end of the billing cycle, which ultimately resulted in a late fee being assessed on my account. 

I believe that the information provided to me was incorrect and misleading, as it did not account for the interest that would accrue after my payment. As a result, I was left unaware of the potential for additional charges, leading to the late fee being applied to my account. 

I have made every effort to resolve this issue directly with Comenity Bank, including providing detailed call log information and formally requesting an investigation into the matter. However, my concerns have not been adequately addressed. Furthermore, it appears that this issue is not isolated, as evidenced by numerous complaints against the provider on platforms such as the XXXX XXXX XXXX XXXX XXXX ) and the Consumer Financial Protection Bureau ( CFPB ). Therefore, I am requesting that the CFPB investigate this matter and assist in resolving the unfair late fees that were assessed due to the misinformation provided by the bank 's representative. 

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
I had fake charges on my CHIME card for over {$1400.00} and proof of it. I have had to rebuttal this issue over 20 times. I have been doing this since XXXX. It is now XXXX. 

The people obviously dont speak English or understand English because they put charges on that I SPECIFICALLY stated not to. The ONLY things on their should be XXXX XXXXXXXX. It is a XXXX XXXX  and I have NEVER paid to play ANY games.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARC Management Group, LLC
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer and Im making this Complaint against ARC MAN GROUP LLC for committing identity theft. I have never given ARC MAN GROUP LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 1692c ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until ARC MAN GROUP LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them and also provide me with your errors and omissions insurance number. Are you licensed and bonded to collect in the state of Louisiana XXXX. XXXX Medical Statutes? I provide proof XXXX requesting all information. If this documentary evidence can not be produced and ARC MAN GROUP LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and ARC MAN GROUP LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud and Im requesting to be provided your license and prove your bonded to see if can even collect in state of Louisiana Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your Prompt Attention and Response are both Requested and Required. ARC MAN GROUP LLC - XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that seem to have been added without my authorization and are incorrect. I request the immediate removal and blocking of these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My account with 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.

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.

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 explanation
Consumer complaint received 2024-10-14 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: World Omni Financial Corp.
State: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor XXXX, XXXX and XXXX is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor XXXX, XXXX and Experian is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

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 2024-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
1 ) My credit report is reporting an address that does not belong to me. I have never lived at the following residential address, please remove from my credit report. XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX ) The following inquiries on my credit report do not belong to me : a ) 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 2024-10-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1 ) My credit report is reporting an address that does not belong to me. I have never lived at the following residential address, please remove from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries on my credit report do not belong to me : a ) 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday XXXX XXXX XXXXSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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