vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year> the company XXXX XXXX opened a credit card on my behalf which was an error. They originally told me they were giving me a first responder discount and that I needed to put in my social security number to verify and after I had gotten home the manger of the store called me to tell me that they accidentally opened a credit card under my name. I do not want this credit card and would like to dispute this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I need my XXXX to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on XXXX and unenroll both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please at screenshots of the issue I am facing with XXXX XXXX XXXX enrollment etc.

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
A few years ago Fortiva Bank offered me a credit card with twenty percentile interest. I accepted the card with an end use agreement that there were no annual fee. The interest rate was directly tied to federal reserve tax rate with a formula. I didnt use the card for several months at which point they threatened to revoke the credit card and close the account. Inflation had started to take hold with US economy. They raised the interest rate to 29 %. This was actually the lowest rate card I had so I used it for some expenses. Once the balance hit {$1800.00} the company said they were modifying the agreement. They added an {$8.00} month fee and set the interest rate at 39 %. I immediately objected in writing with both them and the better business bureau. I made all my payments in a timely manner. I have good credit ( XXXX at this writing ). I told them if they did that I would close the account. So it took 6 months to convince XXXX XXXX to extend a 0 % credit offer ( because of my credit score ). I did what I said. I took XXXX statement. Made {$71.00} payment. Got a pay off balance and gave it to XXXX to cover the remaining balance. They were actually overpaid the balance of XXXX statement. It should have brought the account balance to {$0.00}. This is predatory business practices. Especially for someone with good credIt. To just implement all sorts of fees and double the interest when I did nothing to violate the original agreement. Another bank set the account at 0 % interest because of my credit score. They started running the fee through 40 % finance interest rates instead of taking it from my monthly payment. They had kept almost half my payments in finance charges. When I asked them paid in full account be closed they initially refused. Told me I had to call them. They purposely leave people on hold for hours. I do not have this kind of time. On my 3rd written request I got an email back saying the account was closed. Now they are trying to charge more fees on a XXXX balance card. The card is not shut off and Fortiva Bank continues to conduct themselves in a predatory lending manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update 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 non-monetary relief
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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 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! 


Update 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 2024-12-17 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: FL

Complaint narrative:
Submitted complaint, that the company can not treat a payment on a credit card under an open end consumer credit plan late for any purpose 15 US Code 1666b 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 no later than 21 DAYS BEFORE the payment is due. 

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was MAILED out or DELIVERED 21 DAYS BEFORE the payment due date, PLEASE PROVIDE the PROOF that this information was MAILED out or DELIVERED 21 DAYS BEFORE the statement date. 

15 USC 1637 ( B ) is very specific on all required information needed or must be mailed or delivered to the 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 2024-12-17 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: PA

Complaint narrative:
Dear CFPB Team, I am writing to formally report that I am a victim of identity theft, which has resulted in fraudulent accounts and hard inquiries appearing on my credit reports. These unauthorized activities have caused significant distress and financial complications for me.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, XXXX, and TransUnion ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, XXXX, and TransUnion ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on 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 2024-12-17 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:
Dear CFPB Team, I am writing to formally report that I am a victim of identity theft, which has resulted in fraudulent accounts and hard inquiries appearing on my credit reports. These unauthorized activities have caused significant distress and financial complications for me.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, Equifax, and XXXX ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, Equifax, and XXXX ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. These accounts and inquiries were added as a result of a data breach, and I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these items be removed promptly. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries 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 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
A friend sent me {$200.00} on venmo account is didn't have an account so I opened one. I tried to transfer the money to my XXXX  account and then my account was froze. I contacted venmo regarding my account several times and was told to send documents of the activity on the XXXX  account so I did. Then venmo sends an email to me stating that they permanently closed my account and are keeping the funds for 160 days. And I might not even get the funds. And also telling me to not contact them again. I don't know what and if I did anything wrong for my account to be froze.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : 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 2024-12-17 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX  - {$1000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX  - {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate information on my credit report : SPECIFIC DISPUTED ACCOUNTS : 1. [ Account Name ] Account Number : [ XXXX ] Disputed Entries : [ Late Payments in XXXX ] Reason for Dispute : These entries are incorrect. The account was paid as agreed. 

LEGAL BASIS FOR DISPUTE : Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby dispute these entries based on the following legal provisions : 1. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : - I did not provide authorization for the reporting of these disputed items. 

2. 15 U.S.C. 605B : - It is illegal to report information on my credit report without my explicit permission. 
- These unauthorized entries must be immediately removed from my credit report. 

3. 15 U.S.C. 1681i ( a ) : - You are required to : a ) Conduct a reasonable reinvestigation within 30 days of receiving this dispute b ) Remove any information that can not be verified by the creditor c ) Provide me with written results of the investigation REQUESTED ACTIONS : 1. Investigate the disputed accounts with the respective creditors 2. Remove all unauthorized and unverifiable information 3. Provide an updated credit report reflecting the corrections 4. Notify all previous recipients of the report about the corrections DOCUMENTATION REQUESTED : Please provide : - Proof of authorization for reporting these entries - Original account documentation - Verification from the original creditor I emphasize that under FCRA Section 605B, the reporting of information without my permission is explicitly prohibited. I demand immediate removal of these unauthorized entries.

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