vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I previously paid off balance of {$2200.00} and was told by XXXX of Comenity BankXXXX XXXX XXXX XX/XX/XXXX  that I owed no more money and my account was at XXXX, and I asked that my account be closed out. Today I received notice that I now owed {$40.00} in interest charges. 
I had a hard time again getting through to a live person at Comenity Bank but was able finally to speak to XXXX earlier today. XXXX said XXXX was not able to see the charge of {$40.00} on the screen. How come? Is this going to keep happening? 
XXXX then put the payment through using my checking account and said he is not charging me the {$9.00} fee. XXXX said today that once that payment of {$40.00} goes through in 48 hours, my account will be at XXXX, and there will be no more finance or interest charges. I asked him for a letter in this regard, and he said he will be sending me one. I reiterated that once the {$40.00} goes through my bank, there will be no more finance or interest or other charges, and XXXX confirmed this. I am filing this complaint to be sure that is the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: SC

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-18 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: NV

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX INQUIRES : XXXX XX/XX/XXXX XXXX ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX EMPLOYERS : XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Advertising and marketing, including promotional offers ( I do NOT want any communication from Discover. I called multiple times and asked them to cease ALL communication with me the beginning of XXXX. It is now the XXXX of XXXX, and I am still receiving mail from them which is harassment. Each time I call in, they inform me that the communication will cease but to " forgive them '' if I were to receive any recent communication as it may have already been processed. I don't want to contact opt-out services LLC because I do want promotions from other companies, just NOT Discover as it's my right to not receive communication from them specifically. Discover is the ONLY credit card company that has ever canceled with me and they did this around the start of the pandemic. Their decision and unprofessionalism when calling in trying to resolve it, had a negative impact on me and my credit scrore alike. Though I am not legally obligated to provide a reason for my request to have no communication with them, I decided to. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: OH

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I recently checked my credit report and seen multiple items with incorrect information on it. 

XXXX XXXX Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. 

Now there are two more accounts with XXXX that is not accurate Kia Fin Am Acct # XXXX XXXX XXXX Acct # XXXX XXXX on XXXX shows as payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. 

XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXXAlong with the address on file not being 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: WI

Complaint narrative:
I recently checked my credit report and seen multiple items with incorrect information on it. 

Discover bank Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. 

Now there are two more accounts with XXXX that is not accurate XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX on XXXX shows as payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. 

XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXX with the address on file not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: AR

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt XXXX Experian and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( XXXX, XXXX, Experian, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXX 's website, they do not give, sell, or transfer any personal information to ANY third parties.

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 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: AZ

Complaint narrative:
On XX/XX/XXXX, I went into the ER, due to some what I thought I was having was a XXXX, it took XXXX hours to even be seen, they total necessary vitals and XXXX XXXX ... it would then take another few hours to even be seen to be told I was just having a little XXXX, they discharged me, in no right mind would {$700.00} be as much as just taking vitals and getting a talk from XXXX for less than {$5.00} worth {$700.00}. Anyways, tried to email and call and my email was blocked and when I call line is always busy or not working number, so I'm not sure. I would love to dispute the full amount because I'm done trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

This is a medical collection that is being reported illegally this is violating my privacy and HIPAA law. 
Please remove from the credit report or you're opening yourself up to litigation .|

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I recently tried to open a bank account and was told that i couldnt because i was in check systems. After doing investigation, i remembered that i had lost my wallet around this time and someone used my information yo open up a bank account and XXXX  XXXX XXXX then closed it because of fraudulent activities.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a small business account with Bank of America. I have had this account for 22 years. I weekly balance this account and match my ledger balance with what the bank has on record. It has always been within {$18.00} ( I have chalked this up to a 'margin of error ' over the many years and have not thought much of this ). 
Three weeks ago, as I had balanced the under 10 weekly transactions- this is not advanced molecular science- it is simple math ( my business sees very little volume now, as it is very part time ), the Bank and I did not balance - they said I had {$260.00} less than I had balanced out with. Despite multiple people checking multiple times, using multiple methods, we all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) came up with the same result - the bank was down {$260.00}. I waited another week to see what would happen. The next week, the same conclusion, with less than 10 transactions.

I made an appointment with Bank personal ; we spent 2 hours reviewing the math and he could find no error. He assured me he would work on it over the week and we made a follow up appointment with me for this past Tuesday at XXXX XXXX ( XX/XX/17 ). We sat down again - he had no answers. I asked then to file a complaint with the bank- it was unacceptable that {$260.00} just 'vanish '. He called someone and they affirmed that " nothing could be done '', because they could not " prove '' anything. 
I am appalled that after a 22 year relationship where I have upwards of {$200000.00} in this institution, they can literally " lose '' {$260.00} and offer no recourse ; it is not even difficult math/calculations to understand. To date, there is 1 outstanding check, so there is minimal " complicated math '' to appreciate - no missing checks from the ledger and yet less money than I have calculated. And I described a time in XXXX when I used XXXX to pay a friend and her bank recorded this account paying her twice, yet Bank of America has never noted that to be true. So, 'weird things ' can happen in this 'electronic money ' age - why is it so inconceivable that, in looking at these XXXX or so numbers, plain as day, there is {$260.00} of my earned money, Bank of America has someone lost/taken that out of my account? This is not a far reach for my imagination. 
Not only am I out that cash ; but they have lost a customer - but, that is seemingly not of concern to them. 
I write today, in hopes of actually having some resolve around the {$260.00} - that is not chump change to me ; as it may be to them. 
Thank you!

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
When I pull credit as a mortgage Loan officer, Equifax has a trigger lead service that allows a ton of other mortgage lenders to contact my Member. I have no idea how this is legal as they member authorizes us the credit union to pull credit and had reached out to us and not these other institutions. I get calls daily from members that I pull credit that complain about this topic. I do pre warn them and send them the opt out form but it takes up to 5 days to stop and by that time they are irate. This practice needs to be made illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to Transunion, XXXX, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to XXXX, Equifax, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from my credit report

Company response to consumer: Closed with non-monetary relief