vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: AL

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 XXXX 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
This complaint is against Talbots credit card account issued by Comenity Bank. 
Owed Talbots {$26.00} : XX/XX/year> - Paid {$26.00}. ( mistakenly transposed the cents... .paid XXXX cents instead of XXXX ) XX/XX/year> - Talbots bill came in for {$32.00} ( {$30.00} late fee + {$2.00} min. interest ) XX/XX/year> - Phoned Comenity Bank and was told the fees were for the XXXX cents still owed XX/XX/year> - Provided Comenity my bank routing number for the XXXX cents and was told that they would void the additional charges just this once. When the call was finished, I thought the matter was closed, that is, until I received their next bill. 
XX/XX/year> - Received a bill for {$64.00} : {$30.00} returned check fee, {$32.00} late fee, - {$30.00} late fee debit, {$30.00} late fee, {$2.00} min. interest charge. = {$64.00} XX/XX/year> - Contacted Comenity Bank. Was told that nothing could be done period unless I would reinstate my account ( which I previously closed ). Then they could do away with half of the charges. This is completely disengenuous! I appears that they can do only what's in their best interest and they could care less about keeping a customer of over 40 years. It's hard for me to believe that it's legal to extort money from people like this. it's outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc.
State: LA

Complaint narrative:
I received a letter in the mail on XX/XX/XXXX from Allied Account Services , Inc. about an electricity bill that was due and needed to be paid or disputed by XX/XX/XXXX although I was unaware of the bill in my name. However, I entered all account information to settle the debt online but there was a balance of {$0.00}. The collection is on my credit report from XXXX XXXX XXXX from XX/XX/XXXX but it appears to be fraudulent as they have not been able to assist me in getting this removed from my credit and provide me with the right information to confirm if it is actually my debt. After thorough research of this company and checking all reviews from previous customers, I decided to report this issue to CFPB in hopes that it would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your 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 2024-12-07 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: NY

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
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 the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate XXXX XXXX XXXX information on my report is inaccurate, this account has been paid as to the terms of the agreement I ask that this be reverse to pay as agreed. Please reverse the following item, immediately

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
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 the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate XXXX XXXX XXXX  information on my report is inaccurate, this account has been paid as to the terms of the agreement I ask that this be reverse to pay as agreed. Please reverse the following item, immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
i am filing this because i believe my personal information was compromised in the XXXX  XXXX XXXX XXXX, which has resulted in unauthorized accounts being opened in my name. According to the ocial XXXX XXXX XXXX website, www. 
XXXX  I was directly impacted by this breach, during which sensitive personal information such as Social Security numbers, date of birth and other identifying details were exposed. The exposure Off my data during this breach had allowed unauthorized individuals to fraudulently open accounts without my knowledge or consent. This has caused significant harm to my credit and financial well-being.

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 2024-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Business Revenue Systems, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX XXXX XXXX  to have an X-ray on my lower spine. I initially told the staff member that I'm a XXXX XXXX member and provided the document from the State of New Jersey that clarifies I do not have to pay a co-pay afforded to me by the state. Unfortunately, I started to receive a co-pay bill for the amount of {$81.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM WRITING THIS PRE-ARBITRATION DEMAND IN CONTINUATION OF MY PREVIOUS NOTICE OF DISPUTE REGARDING THE INACCURATE INFORMATION ON MY CREDIT REPORT ACCOUNT ( XXXX XXXX XXXX ) WHICH IS REPORRING AS A PAID CHARGEOFF BUT NEVER WENT INTO CHARGEOFF STATUS BEFORE BEING PAID IN FULL XXXXDESPITE MY INITIAL COMMUNICATION AND YOUR ACKNOWLEDGMENT OF THE DISPUTE, THE DISPUTED ITEMS HAVE NOT BEEN ADEQUATELY RESOLVED. THEREFORE, I AM COMPELLED TO ESCALATE THE MATTER AND REQUEST A RESOLUTION THROUGH ARBITRATION, AS PROVIDED FOR IN EQUIFAX 'S ARBITRATION AGREEMENT. 
I AM AWARE THAT UNDER EQUIFAX ARBITRATION AGREEMENT, EQUIFAX IS RESPONSIBLE FOR PAYING HALF OF THE ARBITRATION FEE. HOWEVER, CONSIDERING THE SUBSTANTIAL COSTS ASSOCIATED WITH THE ARBITRATION PROCESS, I AM PROVIDING XXXX WITH AN OPPORTUNITY TO AVOID THESE EXPENSES ALTOGETHER. 
IN ADDITION TO THE REQUEST FOR A COMPREHENSIVE INVESTIGATION AND RESOLUTION OF THE DISPUTED ITEMS, I PROPOSE THE FOLLOWING SETTLEMENT OFFER : 1. PAY ME THE FULL ARBITRATION INITIATION FEE : THE INITIATION FEE FOR ARBITRATION ( FOR THE CORPORATION ), AS OUTLINED BY THE AMERICAN ARBITRATION ASSOCIATION ( AAA ) GUIDELINES, TYPICALLY EXCEEDS {$3000.00}. TO SETTLE THIS MATTER EXPEDITIOUSLY AND AVOID THE SIGNIFICANT COSTS AND TIME INVOLVED IN FORMAL ARBITRATION PROCEEDINGS, I REQUEST THAT EQUIFAX PAY ME THE FULL AMOUNT OF THE ARBITRATION INITIATION FEE. 
I BELIEVE THAT THIS SETTLEMENT OFFER REFLECTS A FAIR AND REASONABLE RESOLUTION, TAKING INTO ACCOUNT THE COSTS EQUIFAX WOULD OTHERWISE INCUR DURING THE ARBITRATION PROCESS. ACCEPTING THIS OFFER WOULD SPARE BOTH PARTIES THE FINANCIAL BURDEN AND EXTENSIVE TIME COMMITMENT ASSOCIATED WITH FORMAL ARBITRATION. 
FURTHERMORE, IT IS IMPORTANT TO NOTE THAT SHOULD XXXX DECLINE THIS SETTLEMENT OFFER, I WILL PURSUE THE ARBITRATION PROCESS AS PROVIDED FOR IN EQUIFAXARBITRATION AGREEMENT. IN THAT EVENT, I WILL SEEK APPROPRIATE REMEDIES, INCLUDING BUT NOT LIMITED TO COMPENSATORY DAMAGES FOR FINANCIAL HARDSHIP, EMOTIONAL DISTRESS, AND ANY OTHER DAMAGES RESULTING FROM THE INACCURACIES ON MY CREDIT REPORT. 
I KINDLY REQUEST THAT YOU PROVIDE A WRITTEN RESPONSE WITHIN 15 DAYS OF RECEIVING THIS PRE-ARBITRATION DEMAND AND MONETARY SETTLEMENT OFFER. YOUR RESPONSE SHOULD INCLUDE YOUR ACCEPTANCE OF THE SETTLEMENT OFFER, ALONG WITH THE ACTIONS TAKEN TO INVESTIGATE AND RESOLVE THE DISPUTED ITEMS. FAILURE TO RESPOND OR DECLINE THIS OFFER WITHIN THE SPECIFIED TIMEFRAME WILL INDICATE YOUR UNWILLINGNESS TO RESOLVE THE MATTER AMICABLY, AND I WILL PROCEED ACCORDINGLY. 
PLEASE ACKNOWLEDGE RECEIPT OF THIS LETTER WITHIN 10 DAYS. 
THANK YOU FOR YOUR ATTENTION TO THIS MATTER. I HOPE THAT WE CAN REACH A FAIR AND MUTUALLY AGREEABLE RESOLUTION WITHOUT RESORTING TO FORMAL ARBITRATION OR FURTHER LEGAL ACTION. YOUR PROMPT RESPONSE AND WILLINGNESS TO RESOLVE THIS MATTER IN A TIMELY MANNER WILL BE GREATLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I had to file an insurance claim, and when my insurance sent me a check to reimburse me for my claim, they made the check out to me and my loan servicer, Newrez. I endorsed the check with my signature and then contacted Newrez to see what I needed them to do to have them endorse it. 

Newrez sent me instructions to send them the check by snail mail, that they would endorse it and send it back to me by snail mail. I let them know that that was not a good idea, because I already signed it. Their uneducated and uniformed service department proceeded to tell me that I could send them a XXXX mailing label ( they don't do XXXX ), so that they could send the check back to me more securely. 

There are MANY problems with this response. 
XXXX. Why do I have to send them a label? They're servicing my loan at a ridiculous interest rate, so they should probably have the money to make their own XXXX label, which is MUCH easier for them to do than me. Why should I pay for their business fees? 
XXXX. XXXX may track with the label, but that still doesn't insure the package. It's a XXXX check! For me to pay for the insurance on this label, XXXX wanted to charge me over {$80.00}. 
XXXX. Their answer should have been that they would deposit my check and then make out another check to me, sending me that check. This is the only secure way to do this. 

I called them back, and it took me a LOT of explaining for me to even get the person on the other line to understand that I already signed this check, and that once they signed it, it would be fully endorsed. Once the other person finally got it, I told them they needed to deposit this check and send me a new one. She said that she put a note on the account asking them to do that, and that they would. 

Today I opened my mailbox to find an envelope from Newrez. Inside is the fully enorsed check from my home insurance company, not a new check from Newrez. After multiple phone calls, making a formal complaint to Newrez, and assurance that they would make out a new check to me, these idiots put a fully endorsed check for almost {$10000.00} in the mail. I'm lucky to have this check right now and that nothing happened to it. 

This company SHOULD NOT be handling money!

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 2024-12-07 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: AL

Complaint narrative:
I am writing to request your assistance as a victim of a severe form of trafficking in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX trafficking under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TN

Complaint narrative:
Reporting inquiry on my report Not mind and attached to a wrong address only address was mind XXXX XXXX XXXX XXXXXXXX XXXX XXXXeporting inquiry and late Payment on my credit filled XXXX asking all accounts Not associated with my address to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wake field collection account showing up on my Credit Profile as collection account bye Law they cant collect on fraudulent account I ask this be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: WV

Complaint narrative:
I have no recollection of Said Debt with Exeter Finance and would like to have this Debt removed immediately from my credit file Exeter Finance for amount of {$15000.00}

Company response to consumer: Closed with explanation