vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error.

The following items must be amended to " Paid as Agreed '' on my consumer report : 1 ) Payment Status for Month of XXXX, 2019 2 ) Payment Status for Month of XXXX, 2019 3 ) Payment Status For Month of XXXX, 2019 Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Skrill USA, Inc.
State: MO

Complaint narrative:
The company contacted me to say I had a past-due balance, although they would not state to what company the amount was owed. I requested a copy of any invoice or contract. The documentation they provided was a contract for credit card processing services for my business, however, neither company on the form handles my payment processing. I have no business relationship with either business on the form. They also provided invoices from a processing company which show no transactions occurred with this company, thus the company did not process any transactions for my business. 

The contract is dated XX/XX/year>, which is significant in that I had just experienced check check fraud prior to that date. A check was stolen, washed, and someone attempted to deposit it fraudulently. The contract provided by XXXX XXXX has the same bank account number as the stolen check, however, I had closed this account a couple of weeks prior to the contract, due to the fraud ( at the bank 's request ). If I were truly signing a contract for new credit card processing services, wouldn't I use my new, current bank account number? Further, the signature on the contract is not mine and looks to be a poorly attempted forgery. I did not complete or sign this contract, it is a complete fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error.

The following items must be amended to " Paid as Agreed '' on my consumer report : 1 ) Payment Status for Month of XXXX, XXXX 2 ) Payment Status for Month of XXXX, XXXX 3 ) Payment Status for Month of XXXX, XXXX 4 ) Payment Status for Month of XXXX, XXXX 5 ) Payment Status for Month of XXXX, XXXX Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year>, I was charged a late fee of {$30.00} on my Barclays account. The following day, XX/XX/year>, I called Barclays customer service and paid the full balance of {$82.00}. During this call, I was assured that the late fee would be waived. 

In XXXX, my account was reported as in good standing on my credit report. However, in XXXX, I was charged an additional {$41.00} late fee for the late fee from XXXX, and this was reported as a XXXX late payment on my credit report. The same issue occurred in XXXX, with another {$41.00} late fee charged and reported as a XXXX late payment. 

Despite multiple attempts to resolve this issue with Barclays, the late fees were not removed until XX/XX/year>. However, the late payment entries remain on my credit report, significantly impacting my credit score. These erroneous late payments have caused my XXXX XXXX to drop by over XXXX points, resulting in my denial for the XXXX assistance program, which was essential for my plans to purchase a home. 

I have already escalated this issue directly to Barclays, and despite their assurance to reverse the initial late fee, they failed to correct the reporting on my credit report. I am seeking the immediate removal of these incorrect late payment entries from my credit report to rectify the damage caused by Barclays ' negligence. 

Attached are my billing statements and documentation of my communications with Barclays, demonstrating their failure to honor their commitment to waive the late fee and correct my account status. 

Thank you for your assistance in resolving this matter promptly.

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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
Let me first set the scene. On Tuesday, XX/XX/year>, I was sent {$75.00} via Cash App. Cash App charges a fee for immediate withdrawals, which I am aware of, but they also offer the option to wait for the money to be deposited within XXXX business days without a fee. I chose to wait, expecting the deposit to be made today, Friday, XX/XX/year>. 
However, when I checked my bank account, there was no deposit. Upon reviewing the Cash App, I noticed that they had changed the deposit date to Tuesday, XX/XX/year>, still without a fee, now extending the wait to XXXX business days. 
I contacted their support through the app, and after reviewing my account, they basically implied that I would be paying the fee. I understand there are fees, but it is unacceptable to promise one thing and then change the rules in mid-game. As a consumer, I am simply following their stated rules. I am outraged and frustrated and want this to be brought to the forefront. I informed them that I would be reporting this issue because I am sure I am not the only one experiencing this. Changing rules arbitrarily is not a good practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
File as loan predatory mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
on XX/XX/year> I was contacted by a loan broker via phone in regards to a line of credit for my company. on XX/XX/XXXX the agent for the loan company reached out with the details of the loan and the process to secure the program. An up front fee of 5 % ( {$30000.00} ) of the XXXX value was required to gain access to the funding portal via XXXX XXXX. money was transferred via wire from our bank M & T Bank on XX/XX/year>. Portal access was never provided, deposit funds were gone within 24 hours of outbound wire. 
XXXX XXXX was vetted by myself to the best possible capacity including review of loan contracts, and signatures of officers listed on the documents. Officers/CEO was vetted, no reason to expect issues. all falsified in the scam process. 
M & T Bank failed to have a vetting/red flag process in place to verify legitimacy of the receiver and had no protocols in place to double check validity other than the request to confirm that this transfer was confirmed with the receiver by either voice or written/email correspondence.

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 2024-06-21 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:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-21 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-06-21 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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 was unaware of these charges from these companies someone used my information to get credit from XXXX of the same companies and this company couldn't tell that was fraud why would I open XXXX different accts with a company that's the same with XXXX different names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was unaware of these charges from these companies someone used my information to get credit from XXXX of the same companies and this company couldn't tell that was fraud why would I open XXXX different accts with a company that's the same with XXXX different names

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tan Oak Financial
State: KS

Complaint narrative:
received a voicemail from XXXX from a XXXX XXXX stating I needed to contact him concerning an important matter and when I called the number in the voicemail ( XXXX ) a male with an accent answered stating he was with XXXX and XXXX and so I hung up and called XXXX and XXXX XXXX answered and then stated that I owed XXXX XXXX {$900.00} and it was filed in XXXX XXXX and it was from XXXX. I stated it was taken care of and offered my attorney and he asked what for and being at work I did not want to reveal my XXXX and he stated if it was for a bankruptcy ( which occurred in XXXX and was case XXXX in the state of Nebraska XXXX XXXX ) and that this was a civil matter and that a XXXX wouldn't take care of my debt and then i said it would and he stated that he would refer me to the district attorney and have me prosecuted with criminal charges and then he hung up on me. I called back and he became belligerent and stated this was a civil matter and not to quote the law to him and that he would have me prosecuted. I have contacted my attorney for the XXXX  and given them the information as well. As far as I know not paying a debt is not subject to a prison term so how dare he threaten me accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: VA

Complaint narrative:
I reach out to the companies to ask them to remove inquiries because I never authorized the companies to run credit. According to the fcra, any information that is unauthorized, or verified must be removed 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 2024-06-21 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: VA

Complaint narrative:
I reach out to the companies to ask them to remove inquiries because I never authorized the companies to run credit. According to the fcra, any information that is unauthorized, or verified must be removed 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-21 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: TX

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I SIMPLY WANT MY CREDIT REPORT AND SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX and there is inaccurate information on my account from XXXX XXXX ( XXXX XXXX ). Which was placed on my account on XX/XX/year> in the amount of {$13000.00}. According to passages 15

USC 1681 Section 602A. States that I have the right to privacy. 15 USC 1681 Section 604 Section2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment.

Company response to consumer: Closed with explanation