vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Company repeatedly calls to collect debt that I do not believe I owe, I had a XXXX XXXX  credit card, made a small around {$30.00} dollar charge. Due to the unexpected XXXX  of my husband I missed its payment. Once I realized it, I immediately paid it, Comenity bank holder of the credit card, called and said there was a late payment due, I asked considering the circumstances, would they waive the late fee, they did not, most companies do, I also asked for the card to be canceled, they refused. I then got a bill for a trumped up charge of {$2.00}. I called them multiple times, asking to talk to a supervisor, the agent replied only if I made a payment to my balance. Then they started accruing penalties and fees, which the Better business bureau has sighted as unfair credit charges. My credit rating took a hit. Then they sold the debt to XXXX credit management who started harassing me with multiple calls from multiple numbers, I had to place a call blocker on my phone. I have had as many as 10-12 calls a day in rapid succession. This company has an unsatisfactory rating from better business bureau. All this mess could have prevented if Comenity Bank allowed me to talk to a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
Please review my complaint carefully. My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused me significant frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
My accounts 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/updated.

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.

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!

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear EQUIFAX I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date : XX/XX/2023 Inquiring Party : XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: PA

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-09-04 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: FL

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 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 2024-09-04 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: FL

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DSR HOLDINGS GROUP, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX - Placed a call to DSR Holdings and spoke with XXXX ; XXXX advised their company had been " retained '' by XXXX in debt collection, implying that it was of a legal issue and they had a " final notice '' for me to " settle '' implying that I have, had, or will be taken to court with zero communication from this business in written, or emailed format. 
They also sent text notifications prior, which I did not concent to being used via TCPA regulations and opted me into personal text notifications from a XXXX XXXX at the company as well. 

When requesting a letter of debt validation advising them that my accounts were never notified to me from XXXX that they were sold to you, and that I had made payments on time up until XX/XX/XXXX, and was never sent any further payment reminders from XXXX thereafter despite having no issues with my email address. XXXX replied to my request of a debt validation letter said " We'll send you an email '' to which I responded " No, you will send me a written letter of debt validation. '' XXXX 's response to this request was poor, and I ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
Please review my complaint carefully. My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused me significant frustration.

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
New Capital One 360 checking account opened in my name; received new debit card in the mail on XXXX. Contacted Capital One, they closed the account and recommended I call XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-09-04 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: 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 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 instruction 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 the information Any other adverse item of information, other than records of conviction 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-04 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The lists of accounts below has violated my federallyprotected consumer right to privacy and confidentiality under 15 .s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions.

15 u.s.c 1681c. section ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reports 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 1681-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The lists of accounts below has violated my federallyprotected consumer right to privacy and confidentiality under 15 .s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions.

15 u.s.c 1681c. section ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reports 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 1681-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX I was charge for a service I never requested through PayPal I created a dispute but still sidder with the scammer. I have asked for receipts and proof that I authorized this and too date they have not been able to show me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-04 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: TX

Complaint narrative:
Certainly! Below is a draft of a complaint you can file with the Consumer Financial Protection Bureau ( CFPB ) regarding outdated addresses, name variations, and incorrect Social Security Number ( SSN ) information related to an attempted identity theft that is still reflected on your credit report : Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Old Addresses, Name Variations, and Incorrect SSN Related to Identity Theft To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies on my credit report, which include outdated addresses, incorrect versions of my name, and an incorrect Social Security Number ( SSN ) associated with an attempted identity theft. Despite multiple attempts to have this information removed, it continues to appear on my credit report. 
XXXX XXXX : On [ XX/XX/year> and XX/XX/year> ], I have submitted two formal disputes with the credit reporting agencies to correct inaccurate personal information, including : Old Addresses : Several outdated addresses remain on my report, despite me no longer living at those locations and requesting their removal. 
Name Variations : Incorrect and unauthorized versions of my name, which are not reflective of my legal name, continue to appear on my credit report. 
Incorrect SSN : A fraudulent SSN tied to an identity theft attempt is still listed on my report, causing me distress and potentially leading to further damage to my credit. 
Specific Concerns : Failure to Investigate and Correct Inaccuracies : As per the FCRA, the credit reporting agencies have a duty to investigate disputes and correct inaccurate information within 30 days. I have made two attempts to dispute the information, but it remains unchanged on my report.

15 USC 1681i Failure to properly reinvestigate disputed information.

15 USC 1681s-2 ( b ) Furnishers of information have a duty to correct and update inaccurate information. 

Inclusion of Information Related to Identity Theft : The fraudulent SSN that remains on my report is directly related to an attempted identity theft. Continuing to include this information not only puts me at further risk but also violates my rights under the FCRA.

15 USC 1681c-1 Fraud alerts and requirements related to identity theft should have been applied to my report to ensure its accuracy and prevent harm.

Negative Impact on Creditworthiness : The inclusion of incorrect personal information, such as the outdated addresses, incorrect name variations, and fraudulent SSN, has likely contributed to errors in my credit profile and may have led to unfair denials of credit.

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 2024-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am filing a complaint against NetCredit regarding a disputed account balance and an alleged late payment on my account. I believe that NetCredit has violated the terms of our contract and federal laws, specifically the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), by improperly applying payments and inaccurately reporting a past-due balance to credit bureaus. 

These actions have caused undue harm, negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation