vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX  Customer Service, Paper bill does not clearly identify phone payment cutoff. There are 2 places on the face of the bill that mentions in small print mail in payments being cutoff time of XXXX XXXX on the due date. 

Above that in another spot there is a late warning " If we do not receive your minimum payment by the due date, in this case XX/XX/2023, a late fee of XXXX will be incurred '' With that in mind, I paid over the phone at XXXX but heard the prompt say it was late. 

2 conversations regarding the unfair practice and deceiving verbage on the bill only had them tell me that phone payment info is on the back. I expedited to a mgr. but they were not willing to budge and waive the late fee saying I already used one per XXXX months. The XXXX store has a young clientele and assuredly 90 % pay online or on their ap. so this company knows exactly what they are doing. I would like to cc this information with the letter. 

I was told I could only write to the XXXX XXXX in which I do have a letter ready for mailing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in response to complaint XXXX. Transunion stated that the company has verified the account. Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. The original creditor does not report the balance that's reporting on my credit report. I also sent you a copy of the PLAINTIFF 'S NOTICE OF NON-SUITS stating that the company XXXX XXXX dismissed all claims against me. I will attach it for your reference again. Please remove these accounts for failure to verify : 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 2023-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  / account number : XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I deposited check for someone waited funds to clear gave them cash also paid with XXXX XXXX and XXXXXXXX XXXX next day checks were fraudulent and my account XXXX negative I asked bank to start fraud charge said speak to person with checks it was XXXX he didnt have account dad is a police officer so trusted him said was XXXX gift then cleared when I went to him about fraud claimed I was lying so now I have. I more account and cant open one so Id like to press charges

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect, a debt collection agency, has reported the same accounts MULTIPLE times, resulting in one account alone, being reported as almost 50 collections accounts. I have filed disputes with and XXXX, XXXX, and Americollect has claimed that the information is accurate and correct. This is a fraudulent claim, as Americollect accounts on my credit report would have you believe i have been to the emergency room at XXXX XXXX XXXX XXXX XXXX upwards of 100 times. One of my disputes was finally resolved in my favor, resulting in my debt amount going down from {$52000.00} to {$23000.00}. There are, however, still multiple claims on my credit report, of accounts being report more than once. This is a cowardly and gestapo-type tactic that Americollect is known for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to bring to your attention a pressing matter regarding my loan obtained from Service Finance Company. I entered into a loan agreement with the company with an initial principal amount of {$20000.00} and an interest rate of 9.99 %. Despite making timely payments, I have encountered a concerning issue wherein my principal balance has been steadily increasing since the initiation of the loan.

To date, I have made all payments promptly and have never exceeded the due date. Furthermore, I have taken the initiative to make early payments, demonstrating my commitment to fulfilling my financial obligations responsibly. Despite these efforts, my principal balance has inexplicably reached an alarming high of {$20000.00}. This indicates that my payments have been consistently applied towards interest alone, while the principal balance remains untouched.

This issue is not unique to my situation, as similar complaints have been reported by consumers. This pattern suggests a systemic problem within Service Finance Company 's loan servicing practices, warranting immediate attention and intervention from regulatory bodies such as yours.

I kindly request that the Consumer Financial Protection Bureau launch an investigation into the practices of Service Finance Company to ascertain the reasons behind this alarming discrepancy. I believe that such an inquiry is necessary to protect consumers from potential predatory lending practices and ensure compliance with fair lending standards.

I have attached copies of all relevant documentation, including my loan agreement, payment receipts, and any correspondence exchanged wit

h Service Finance Company. These documents should serve as evidence supporting my claim and aid in your investigation.

I appreciate your prompt attention to this matter, as it directly affects my financial well-being and raises concerns about the integrity of Service Finance Company 's lending operations. I trust that the Consumer Financial Protection Bureau will take swift action to address this issue and protect consumers ' rights. 

Thank you for your time and consideration. I look forward to a favorable resolution of this matter.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
Im financing a car through king of credit and its not showing up on my credit like it was before with all my perfect on time payments on it I just want it to get updated back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-05-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted letter about accounts I was disputing on my credit report. Within those dispute letters I never disputed one account with XXXX XXXX. I disputed erroneous accounts with a creditor called XXXX XXXX XXXX. This company instead placed statements under my accounts with XXXX XXXX causing my credit score to fall because their representatives did not do their job and either actually read what was written. I want the statements removed from ALL XXXX XXXX ACCOUNTS AS I DID NOT DISPUTE THEM and I want this agency held responsible if for any reason my accounts in good standing are tarnished or an account is closed due to their negligence and due diligence when processing disputes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/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 2023-05-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-05-17 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXXXXXX : opened : XX/XX/XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/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 2023-05-17 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: GA

Complaint narrative:
I am writing this letter to express my intent to pursue legal action against XXXX XXXX XXXX for willful non-compliance with the provisions outlined in 15 USC 1681n. This intent is a result of the ongoing inaccuracies that XXXX XXXX continues to report on my consumer report, despite my numerous attempts to rectify the situation and bring it to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this letter to express my intent to pursue legal action against XXXX XXXX XXXX for willful non-compliance with the provisions outlined in 15 USC 1681n. This intent is a result of the ongoing inaccuracies that XXXX XXXX continues to report on my consumer report, despite my numerous attempts to rectify the situation and bring it to your attention.

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 2023-05-17 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: NY

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 mentions 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 explanation
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I received an emailed about my information being in the Equifax data breach so I pulled my credit reports and found there is an account that is inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the inaccurate account : XXXXXXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Per UCCC 3.301 ( 1 ). The financing bank was acting illegally. Regional acceptance corporation was only the assignee to a sales contract and therefore committed a crime by taking security in addition to the purchased automobile. XXXX XXXX XXXX v La Joie ( Okla ) 537 P2d i207, 86 ALR3d 309

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
IRP Registration Services Toll Free Number : ( XXXX ) XXXX Email : XXXX Website : XXXX : XXXX This company misrepresented itself as the IRP office for the State of Georgia offering to register my tractor. I was preoccupied due to death in my family and gave them my credit card info. When I realized it was not the State. I had Capitalone reverse for the charge. Capitaone then reinstated a charge for services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Ex boyfriend stole multiple cards while in hospital completely emptied all while in hospital for months he also had accident with my car and gave my information instead of his own to other car that he hit his name is XXXX XXXX XXXX of XXXX now XXXX ma he has continuously harassed me from XXXX online not only my cards my mothers card and ex husbands card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, Please see attached complaint - please remove the below statement from my credit report XXXX XXXX # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC

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