vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
We contacted the company for move out requirements, we were told we didnt need to do certain things to move out such as clean carpets because they have to replace them anyways. We asked several times about this to ensure we would not be charged. We moved out, they charge us for all the stuff they told us we wouldnt be charged for. We called several times to listen to their phone calls because they are recorded, several people were supposed to cal us back. They never called us back and cut contact with us and then we were notified we have collections on our credit report. We were more than giving with this company, I was XXXX  and we had mold in our kitchen and the kitchen was under construction to fix it. We spent XXXX months without a kitchen and cooling off the outside because of holes in the wall from construction. They broke the black marble countertop during construction and glued it back together with white glue. We had several leaks from bathrooms where we needed reconstruction and they would take forever to fix. This agency does not fix problems they try to bandaid problems which causing bigger problems. This is all on top of this credit issue now which we still can not get a call back from them on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am writing to follow up on my previous complaint ( # XXXX ) regarding my ongoing issues with my XXXX XXXX XXXX XXXX XXXX managed by Community Bank . Despite the efforts outlined in my initial complaint, the situation has escalated and remains unresolved. 

Summary of Original Complaint : In XX/XX/year>, I made a purchase using my XXXXXXXX XXXX XXXX XXXX. During a bank account transition, I overlooked setting up automatic payments for this card. Upon realizing this in XX/XX/year>, I promptly paid the outstanding balance, thinking the matter was resolved. However, XXXX 's left a {$2.00} balance, which I was unaware of, leading to further complications and charges that I attempted to resolve through numerous calls and payments. This resulted in a 30-day late payment being reported on my credit report on XX/XX/XXXX, severely damaging my credit score. 

Update : Following my complaint, XXXX 's issued credits totaling {$100.00} for interest charges and fees, and informed me that a refund check for {$26.00} would be sent to me. They assured me that my account was closed in XXXX with a XXXX balance. 

Ongoing Issues : The issues persist despite my numerous attempts to bring my account balance to zero and guarantees from XXXX 's representatives that my balance was indeed XXXX. I never received the promised refund check. Moreover, XXXX 's has inexplicably resumed charging my account, resulting in a new balance of {$62.00} for interest and late payment fees. These charges stem from the persistent {$2.00} balance they left on my account, which appears to be a tactic to continuously levy fees against me. 

Despite my efforts to resolve the situation, including multiple calls to XXXX 's customer service, I have been met with incompetence, inconsistent information, and no resolution. This ongoing issue is severely impacting my credit score and causing significant frustration and distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
After noticing a few items on credit profile i notice accounts that i didnt sign up for and is unaware of. i reached out to the credit bureaus and the companies to get valid verification and validation of these accounts. LVNV FUNDING LLC OR THE CREDIT BUREAU SENT BACK THE REQUESTED DOCUMENTS. I have tried to get them to correct my consumer report but they fail to comply by the laws. I have not given anyone permission to use my credit or to report anything on my behalf. I asked for documents showing i gave written consent to use or report to my consumer file. I also sent in my identity thieft report. This is my final attempt to correct my file before I seek legel action. THEY ARE IN VIOLATION OF MY CONSUMER RIGHTS, AND THE REPORTING ACT LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
There is a capital one credit card showing on my credit report as of today XX/XX/year> and wasnt reported by capital one as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. XXXX lied and stated that Capital One reported it to my bureau when investigated they had not. So XXXX made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information 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 explanation
Consumer complaint received 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XX/XX/XXXX - XXXX {$6500.00} XX/XX/XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XX/XX/XXXX XXXX {$1300.00}XX/XX/XXXXXXXX {$2400.00} XX/XX/XXXXXXXX {$5600.00} XX/XX/XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXX/XX/XXXXXXXX {$1100.00} XXXXXX/XX/XXXXXXXX {$6000.00} XXXX XX/XX/XXXXXXXX {$1400.00} XXXXXX/XX/XXXXXXXX {$38000.00} XX/XX/XXXXXXXX {$1600.00} XXXXXX/XX/XXXX XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XX/XX/XXXXXXXX {$9300.00} XXXX - XXXX Accounts XX/XX/XXXXXXXX {$3900.00} XX/XX/XXXXXXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XXXX {$1100.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX - XXXX {$1500.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX {$1500.00}

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 2024-06-19 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: TX

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XX/XX/XXXX - XXXX {$6500.00} XX/XX/XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XX/XX/XXXX XXXX {$1300.00}XX/XX/XXXXXXXX {$2400.00} XX/XX/XXXXXXXX {$5600.00} XX/XX/XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XX/XX/XXXXXXXX {$1100.00} XXXXXX/XX/XXXXXXXX {$6000.00} XXXX XX/XX/XXXXXXXX {$1400.00} XXXXXX/XX/XXXXXXXX {$38000.00} XX/XX/XXXXXXXX {$1600.00} XXXXXX/XX/XXXX XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XX/XX/XXXXXXXX {$9300.00} XXXX - XXXX Accounts XX/XX/XXXXXXXX {$3900.00}XX/XX/XXXXXXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XXXX {$1100.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX - XXXX {$1500.00}XX/XX/XXXX - XXXX {$1500.00}

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 2024-06-19 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: NJ

Complaint narrative:
FCRA 605B seems to require that incorrect accounts be removed from my credit report. Can you verify the documents? Some accounts listed are inaccurately reported with wrong amounts and dates.

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 2024-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 explanation
Consumer complaint received 2024-06-19 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: VA

Complaint narrative:
I have recently reviewed my consumer report and found fraudulent accounts that I did not initiate, open, or authorize anyone to open these accounts on my behalf, which are a result of identity theft. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, REPORTED BALANCE- {$570.00}. I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
We've sent two written correspondences asking Monterey to return the debt to our timeshare so we can continue to work with them directly, and they've refused to. The debt should be listed as disputed and they should move on from us. We followed the rules and they're not above violating our rights to make a quick buck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NJ

Complaint narrative:
My account with XXXX 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 in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX - we were notified by phone call the there was suspicious activity in our business bank account. Someone tried to XXXX money out. Accounts were closed. 
XX/XX/XXXX -went in person to our local Truist branch, met with XXXX XXXX XXXX XXXX XXXX had closed both of our business accounts. New accounts were opened. 
XX/XX/XXXX -account was hacked again so we went to bank met with XXXX XXXX. At them time he told us that our initial money market account ( ending in ... XXXX ) had been hacked with XXXX XXXX payments for {$20000.00} and for {$10000.00}. This was from the account that had been closed the day before. Unlike other XXXX transfers we never received a code for third party authorization. 
We were told that Truist was able to stop the {$20000.00} transfer, but that the {$10000.00} transfer was at the point that they could not stop it. 
We were ultimately told by Truist it could take 90 days to recover those funds. 
XXXX XXXX : XXXX We had XXXX months of fruitless discussions with their fraud department, where we never spoke to the same person twice. Ultimately on XX/XX/XXXX we received a letter, unsigned, stating " This letter is to inform you that we have concluded our investigation and were unable to recover the funds that were transferred from the account. ''

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 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 2024-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief