vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 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: NJ

Complaint narrative:
I have unfortunately become a victim of identity theft. In XX/XX/XXXX, I uncovered several accounts opened in my name without my knowledge or consent. Despite my efforts to dispute these fraudulent accounts with the Consumer Agencies, the issue remained unresolved, leading me to file an Identity Theft Police Report in XX/XX/XXXX. Through diligent follow-up, I successfully removed most of the fraudulent accounts. However, Equifax still lists the following accounts on my Consumer Report : XXXX XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention that Equifax is currently in violation of multiple provisions under the Fair Credit Reporting Act, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C . 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) I demand that you immediately initiate an investigation into my dispute and delete this erroneous information within four business days of receiving this notice, as required by the Fair Credit Reporting Act under 15 USC 1681c-2. Your failure to comply with this request will leave me with no alternative but to pursue legal action to protect my credit rating and personal interests. Keep in mind that each violation of the FCRA is subject to damages of up to {$1000.00} should this matter escalate to court. 
This situation has not only caused me immense emotional distress but has also severely affected my mental well-being. As a result, I am left with no choice but to escalate this issue and insist upon a swift and equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX. 

I financed the purchase with a $ XXXX down-payment through Chase Auto . 

One month after I purchased the car, XXXX XXXX announced that they would file bankruptcy before the end of the year. 

I asked to be let out of the financing contract as many of the features I purchased as part of that contract, had not been delivered, or were malfunctioning, or would cease to function once XXXX entered bankruptcy. 

It has now come to light through news reports that XXXX has been and was aware of serious financial concerns as early as XXXX of XXXX. 

Chase auto, who is the formal financing partner to XXXX XXXX handled all financing new of these issues and the pending bankruptcy, and yet continued to finance loans for cars that would be delivered incomplete and likely become inoperable post bankruptcy. 

I financed with Chase Auto for approximately $ XXXX. 

I asked Chase to negotiate a buyout at a lessor amount and they refused that option as well. I finally received the title to the car two months after financing, because XXXX and Chase new the loans would be completely invalid without them prior to the bankruptcy. 

Chase along with XXXX XXXX, knowingly frauded thousands of consumers in the purchase of these vehicles. 

I am asking them to be investigated along with XXXX XXXX. I want to be let out of this contract and to receive my $ XXXX deposit back. 

If that's not possible, I would at minimum want Chase auto to refinance the loan amount to the current value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/XXXX I deposited XXXX to my saving count which has. Balance of XXXX the check was written by XXXX XXXX, XXXX  from his trust account. I got a letter on approximately XX/XX/XXXX that there was a hold on these funds due to the bank having information that lawyer XXXX XXXX was writing bad checks and the check would not be paid and that I could have funds until the XXXX. This is my view nothing more XXXX harassment due to the fact that I have a brokerage account with said bank worth XXXX and I have never heard of a well known XXXX XXXX lawyer writing bad checks? This goes along with me asking for a credit card and them denying me stating that I dont have enough assets when I just sold my house and deposited XXXX XXXX XXXX in said bank. The one and only reason I done rake my business else is that I have a friendship with my advisor.

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 2024-06-26 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: IN

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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 2024-06-26 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: GA

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 non-monetary relief
Consumer complaint received 2024-06-26 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: GA

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 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: NC

Complaint narrative:
I am just reporting because my mother called me saying some woman was telling her I have debt and that her name was XXXX XXXX and that she needed to know my location around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient/Sallie Mae has engaged in predatory lending practices that has caused me and my family ongoing financial harm. 

Navient discharged the remainder of my private loan, but only after benefiting financially. Navient/Sallie Mae have refused to refund any or all the money they have illegally obtained. 

Navient/Sallie Mae was in a relationship with my school. This financial relationship corrupted my financial aid office and the recruiting practices of my school. This relationship set forth by Sallie Mae/Navient caused my financial aid office to no longer provide me with the best options. 

Instead, Sallie Mae/Navient and my school were provided with the best options. I was told I needed a co-signer by my school when I in fact did not. Another example of Sallie Mae/Navient tainting my education and thus my school loans. 

Sallie Mae/Navient should not be allowed to keep money they fraudulently obtained. My school was to be liable for bad practices. My school did not do this alone. They did it in coordination with Sallie Mae/Navient . As of today, XX/XX/2024, Navient has denied me any refund amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: NC

Complaint narrative:
I am writing to formally request the repair of my credit score considering XXXX XXXX XXXX XXXX  settlement and to explain why the circumstances surrounding this settlement should not negatively impact my credit score by American Education Services. I was a student at XXXX  XXXX XXXX XXXX XXXX and a victim of institutional fraud. This fraud not only affected my education but also led to substantial financial harm. As a result, my federal loans were discharged under the Borrower 's Defense to Repayment in XX/XX/XXXX as part of XXXX XXXXXXXX XXXX XXXX  settlement. 
XXXX  XXXX XXXX XXXX case is a class-action lawsuit that was initially filed in XX/XX/XXXX against the U.S. Department of Education . The plaintiffs in this case were student borrowers who alleged that the Department unlawfully delayed or denied the processing of Borrower Defense to Repayment claims. These claims were filed by students, like myself, who were defrauded by their educational institutions, particularly for-profit colleges like XXXX XXXX XXXX XXXX XXXX . In XX/XX/XXXX, a settlement was approved, which mandated the discharge of federal student loans for approximately 200,000 borrowers who attended specific institutions determined to have engaged in substantial misconduct. As part of this settlement, borrowers also received refunds for any payments made on the discharged loans and credit repair for negative reporting related to these loans. Given these circumstances, the negative reporting by AES is not only inaccurate but also unjust. This inaccurate reporting has unfairly damaged my credit score immensely and does not account for my diligent efforts to manage my financial obligation, making it more challenging for me to secure employment, housing, and other financial opportunities during a time when I am already vulnerable. In addition, fails to acknowledge the fraudulent nature of the loans, which has been legally recognized by the U.S. Department of Education.

Despite my efforts to manage my financial obligations responsibly, including making timely payments and seeking a modification when I became unemployed, my request for payment modification was denied. Instead of receiving the necessary support, I was penalized with negative reporting on my credit report. I am humbly requesting that this information be taken into consideration and that the negative entries related to these loans be removed from my credit report. Enclosed, please find the necessary documentation, which includes evidence of my loan discharge of my federal loans from the U.S. Department of Education and the terms of XXXX XXXX XXXX XXXX  settlement. I humbly request that an update of my credit report reflect this situation accurately and make the necessary adjustments to improve my credit score. Your prompt attention to this matter is greatly appreciated, and I look forward to your positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was reviewing my credit report and noticed that I had collections and inquires that were not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have a new address on my credit report as of XX/XX/XXXX. I was notified by XXXX XXXX  this morning. I filed a dispute and was directed here. Someone picked up my wallet at work and took all my cards and ID.

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 2024-06-26 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Hello, I had an unexpected death occur in my family and therefore needed to travel to attend the funeral and help with arrangements. This was unexpected and I ended up being XXXX   days late with my payment. The XXXX  I noticed this/remembered, I immediately called Comenity/XXXX XXXX XXXX XXXX I called them at the number XXXX on XX/XX/year> at exactly XXXX. I let the agent know, to which they said nothing had posted yet so there wasn't anything they could do, HOWEVER, they said to call again in a few days and an agent would be able to help me and remove the late fee for hardship. 

I followed what the agent instructed and called again at the same number ( XXXX ) on XX/XX/year> at exactly XXXX. I explained the situation to the agent that I did with the last agent and I also said I was trying to repair my credit, I have GREAT payment history with them and have always paid my card. The agent agreed that I had beautiful history with them and she proceeded to waive/remove the late fee. 

However, I called today on XX/XX/year> and spoke with an agent named XXXX. I explained everything to her as stated above and she said " there's no notes left on the account ''. I told her, an agent did remove the fee originally and that this was on a recorded phone call, as I know companies record them for training purposes. I asked if there was any way to access that so she could know the fee was originally waived. 

What she did do was issue me a {$15.00} credit toward my account, however, this was not a fee reversal and I was still going to technically be paying for said late fee. A fee to of which should not have been there, as the agent had removed/waived it for me. 

Unfortunately, the only way to prove this would be by accessing the phone recordings which I as the consumer do not have access to. It is recorded, saved and documented that this fee was removed over the phone while I was speaking TO an agent. There is no reason why I should still be getting charged this fee anyway and still have to pay it when an agent themselves removed it from my account. 

I went through a hardship and unexpected death and the company proceeds to charge me anyway with a late fee that they themselves admitted they could, would and DID remove. Regardless of there " not being notes on my account '' an agent did remove it over the phone and also confirmed when she was finished and that it was gone. 

Unfortunately with Comenity, my balance always posts on a delay. If I had seen this sooner than today, I DEFINITELY would've called IMMEDIATELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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