vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: NJ

Complaint narrative:
I am filing a complaint against System and Services Technologies , Inc. for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus.

I received a collection notice from System and Services Technologies , Inc. regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with System and Services Technologies , Inc . I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that System and Services Technologies , Inc. had the legal right to collect the debt.

Despite my request, System and Services Technologies , Inc. failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt.

Furthermore, System and Services Technologies , Inc. did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations.

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that System and Services Technologies , Inc. immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law.

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Since the last week of XXXX this number has called multiple times a day but never leaves a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the middle of XX/XX/year> when I tried to pay my bills online and found out that Wellfargo denied my access to my 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
For sometime have requested Regions to report to the 3 credit bureaus this account not past due in XXXX XXXX XXXX. It was paid in full on XX/XX/2023 which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking 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 explanation
Consumer complaint received 2024-07-19 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my 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 non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunbit, Inc.
State: GA

Complaint narrative:
I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXXXXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX  XXXX, AL, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - 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. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My card was used to purchase an item out of State in XXXX XXXX, SC. I have never been to XXXX XXXX. The purchase amount was nearly {$1000.00} l filed a police report and despite the money was not refunded to my account. I also filed a complaint with CFPD previously and received no follow up calls or information. The phone number provided to contact company, XXXX is disconnected

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MD

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of secured credit cards on credit reports and the negative impact it has on access to credit and credit scores. I believe this issue needs to be addressed to ensure fair and equal opportunities for individuals located in underserved and underresourced communities seeking ways to build and or rebuild their credit. As an individual who has utilized a secured credit card to build credit history, I have noticed that the reporting of this type of credit card on my credit report is having a marginalizing effect. Despite making payment in full utilizing my own funds, the presence of a secured credit card on my report seems to have a negative impact on my overall creditworthiness. Upon reviewing laws and regulations related to credit reporting, I have learned that the Fair Credit Reporting Act ( FCRA ) governs the collection, accuracy, and reporting of consumer credit information. However, there appears to be a gap in the regulations regarding the treatment of secured credit cards on credit reports and the CFPB priorities anchored in your XXXX XXXX Report to propel XXXX Orders XXXX and XXXX. I believe that the current reporting practices regarding secured credit cards are disproportionately affecting individuals who rely on these cards to establish credit. This marginalization could hinder their access to other credit opportunities, such as loans, mortgages, and even employment prospects. Additionally, the negative impact on credit scores can further perpetuate a cycle of limited credit access and financial inequality. At present the XXXX Summary date XX/XX/year>, from XXXX documents I owe in excess of XXXX to Chime which is incorrect. I kindly request that the Consumer Financial Protection Bureau investigate this matter as this account is Paid in Full. I request for CFPB to consider implementing regulations or guidelines to address the reporting practices associated with secured credit cards. The goal should be to ensure that individuals located in underserved and underresourced communities who responsibly utilize these cards are not unduly penalized or marginalized in the credit evaluation process by creditors and that it does not negatively impact their ability to access credit due to these reporting errors particularly if accounts are Paid in Full. I appreciate the important work the Consumer Financial Protection Bureau does in safeguarding consumer rights, and I trust that this matter will be given the attention it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX at approx XXXX Debit Card was declined for purchases. Contacted USAA costumer Svc Line at approx XXXX and spoke with XXXX XXXX ; XXXX refused to explain why I could not access my account as the primary account holder. Asked to speak with Supervisor, Was Transferred to Member Resolution Dept and spoke with Rep XXXX at approx XXXX, Rep refused to explain why I could not access my account as the primary account holder and when ask to speak with her supervisor ; Rep refused and stated there is no one above her she could transfer to. Called back to USAA to file complaint was transferred to Deposit Svc, Banking Dept, Spoke with Re XXXX XXXX at approx XXXX, At first, rep did not want to take complaint but then after XXXX min hold took complaint and stated that someone will contact me within 3-5 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing this complaint to as a follow up to complaint XXXX. On XX/XX/year> the company responded, stating that the address and said that they were forwarding the information to the proper personnel at XXXX Bank and then provided an email, phone number, and address to send my correspondence. I sent an email on XX/XX/year> regarding this matter ( to the email enclosed in the complaint ) no response, I sent another email on XX/XX/year> to respond to an " over due '' bill, which again should have been placed in a " do not pay '' do not collect '' status per their policy and it still has not been done. This company is refusing to comply with their own mediation processes and was dishonest with the CFPB in stating they were looking into this matter. This matter has not been reviewed and the company is not taking accountability for the fraudulent and deceitful tactics that they use to lie and manipulate consumers. I feel this agency should be held accountable and fined for these illegal practices.

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 2024-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: GA

Complaint narrative:
XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy. 

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
Please examine the documents attached for your review.

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 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
We are disputing the charge of interest on the card on XX/XX/year> for {$91.00} and would like a resolution as to why this charge was made when we paid the full balance due on the card prior to the due date of XX/XX/year> per the credit card member agreement stating : How To Avoid Paying Interest On Purchases if you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. 

We have other credit cards and sometimes we pay off the balance and sometimes we carryover a balance and pay interest on the carryover balance. But when we pay the prior month statement balance in full, there has never been an interest charge for that month. This is the first time I have seen interest charged when the balance was paid in full. We were told on the phone that because we carried over a balance the PRIOR month, this is RESIDUAL interest. We paid interest on the balance over the years monthly, so there should not be additional interest. Nowhere in our agreement have I heard of the term residual interest. That usually applies to mortgage or term loans where you pay interest until the date the bill is paid, not credit cards. 

As a background, we refinanced our home and paid off all our credit cards and no other credit card company charged us residual interest. In all our years, we have never been charged as such. My wife, as a CPA deals with clients daily and has never seen such a charge. We would like to request abatement of this residual interest as it is not clearly stated in the credit card agreement and it deviates from all industry standards. I have proof for my wifes card with Chase as well that they have never charged this type of interest.

Company response to consumer: Closed with explanation