vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: MO

Complaint narrative:
My account with ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, 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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: LA

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly associated with me without my knowledge or approval, causing significant distress. As an identity theft victim, I've reported this incident. This urgent matter needs immediate attention due to its negative impact on my finances and reputation. I request your swift removal of all fraudulent information from my credit report and a thorough investigation. I'm ready to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
This is in reference to AccounXXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to dispute the accuracy of account # XXXX on my credit report. Following the completion of your most recent reinvestigation, I am requesting The Method Of Validation used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : XXXX. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
XXXX. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt. 
XXXX. The business name and address of the furnisher of this information. 
If Equifax is not able to provide the requested information above upon 15 days of their receipt of this dispute, I am requesting that this account be immediately deleted from my credit report. 
I demand that you refrain from using any stall tactics in response to this letter. You are required to respond within 15 days of your receipt of this dispute, I look forward to your response. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
These accounts have been erroneously reported on my credit file, and I am exercising my right to dispute and investigate them. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each error.

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 2024-07-03 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: Experian Information Solutions Inc.
State: LA

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 2024-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime closed my credit builder account without my permission. I have {$240.00} that I have requested since XX/XX/year>, and have yet to be refunded. I receive the run around every time I have called Chime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Whenever I call customer I am directed to do everything online. I am told this everytime I call customer service but the reality is that everytime I use online features from my credit card it tells me to call customer service instead specially during a dispute process. See attachment. I think Bank of America should fix this issue on my credit card so I don't have to call customer service every time. I have been told by reps that they want all customers to do everything themselves and they send me a link to follow to do it online. But how can I do anything online if it keeps telling me to call customer service. This has been an issue since I first got this card a year ago and I have been calling customer service since then. Please fix the issue. I wish I could just do everything online including disputes without having to call customer care. But when I call customer care reps almost refusing to take the call and ask me to follow the link emailed and do it myself. They even don't want to take a dispute or get anything else resolved. Please fix the error.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed late payment on my credit report. This dispute was submitted to Experian on XX/XX/XXXX, and was marked as verified on XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation Disputed account : Account : XXXX Account number XXXX XXXX 
Below are the details of the affected payment once again : *Date of reported late payment* : XXXX OF XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

The non-compliance with 15 U.S. Code 1666b by the creditor, who failed to send periodic statements with the required information at least 21 days before the payment due date, has resulted in the appearance of late payments on my credit report. This situation has adversely affected my credit score and is a violation of my rights under the FCRA. 

Furthermore, under the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72, debt collectors are prohibited from using deceptive, oppressive, or abusive practices, including incorrectly reporting late payments. Additionally, Fla. Stat. 559.77 allows consumers to file civil suits against debt collectors who violate the FCCPA and recover actual and punitive damages, as well as costs and attorney 's fees.

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 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: MD

Complaint narrative:
I collection balance appeared on my credit report several months ago. I disputed the tradeline with the bureaus and they have determined that the collection is valid. I contacted the agency reporting to determine what this was in reference to. 
ALLIED COLLECTION SERVICES XXXX They advised that it was a balance from an apartment rental with XXXX XXXX XXXX. 
At this point I advised that my father lived there and is now deceased, and we share the same name - he was XXXX and I am 'XXXX  '. They advised that they believe I am the correct party and would not remove the collection from my credit. 
I disputed again with the bureaus and again they determined it to be accurate. Meanwhile the collection agent appears to be adding quite a bit of interest every month. 
I have never lived in XXXX, my father lived there for quite a long time until he got sick and we moved him to XXXX, which is where I am, and he passed shortly after. 
ALLIED COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Balance {$670.00} High Balance {$480.00} Original Creditor 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 2024-07-03 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WV

Complaint narrative:
A dispute was already submitted on XX/XX/year> and closed. They sent me an email asking for proof that it was a fraudulent account. This is not the original issue. The problem is the original creditor fabricated these charges, didn't inform me of them, sent them off to collections before any knowledge of the account, and now this collection agency is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVIENT has been batch-denying school misconduct discharge applications to XXXX XXXX XXXX XXXX XXXX XXXX the fact has been proven in multiple instances in the legal system ). 
After getting a denial with a generic email message, I contacted the Office of the Customer Advocate at NAVIENT, requesting concrete reasons for the denial and allowing an appeal of the decision. The response was a letter stating the same generic message/reason for denial. 
The letter provides a " direct phone number '' to the Advocate, XXXX XXXX, but when I call, the extension number provided does not work, and the call is diverted to Customer service. The call always seems to be next in the queue with a 3-minute wait. However, the call never gets connected to anyone.

The Advocate Letter seems to mock people trying to solve an urgent financial matter by providing non-sensical responses to the applications and not allowing appeal or a way to solve the matter. NAVIENT is showing zero concerns about solving proven school misconduct cases, denying most applicants. ( we are organized and keep information flowing ). 
Navient states that I do not meet the requirements for discharge based on misconduct by XXXX XXXX, notwithstanding the multiple Judicial Sentences proving engagement of the XXXX XXXX in school misconduct, which resulted in the discharge of federal loans of ALL XXXX XXXX XXXX whether they were class members of Borrowers Defense or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT This letter serves as a formal notice of dispute regarding the inaccurate and invalid debt reported on my credit file by YOUR COMPANY.I am fully aware that this debt which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a fraction of its original value. I am invoking the arbitration agreement outlined on your companys website and the arbitration rules specified at adr.org. 

The initiation of arbitration will impose significant costs on YOUR COMPANY including filing fees, arbitration initiation fees, arbitration deposits, and potential legal expenses. The cost to initiate arbitration alone exceeds {$3000.00}, with the total expenses likely reaching tens of thousands of dollars. 

Given these considerations and the severe mental distress, anxiety, emotional distress, and financial hardship this situation has caused me, I am extending a one-time opportunity to settle this matter amicably. My demands are as follows : 1. Payment of {$6000.00} to compensate for the damages incurred. 
2. Immediate deletion of this trade line from all credit reporting agencies to which it has been reported. 

Settling this matter as proposed will allow YOUR COMPANY to avoid the substantial costs associated with arbitration. Failure to resolve this matter amicably within 15 days of receipt of this letter will leave me no choice but to proceed with arbitration, incurring the aforementioned expenses for YOUR COMPANY. 

Additionally, I demand that XXXX XXXX XXXX cease and desist all illegal activities, including contacting me through any medium other than mail. Under 15 U.S. Code 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt This letter serves as your official notice under 15 U.S. Code 1692c ( c ). All further communication must be in writing and sent to the address provided Below as well as the arbitration agreement attached You have 15 DAYS to respond to this settlement request. Failure to respond or provide a satisfactory resolution will result in immediate arbitration proceedings. 

Sincerely 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 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I went to a car dealership last Saturday XX/XX/year>. 
I provided my personal information in order to see what my numbers would look like. I ended up declining the offer and I was advised that there was an option to do a credit card to put some on a credit card I declined that option as well so imagine my surprise when I received an email yesterday saying that my new card is on the way I did not agree to open up a credit card I did not sign anything to open up credit card this dealership is opening up credit cards for some type of incentive without the knowledge of the consumer when I call the dealership I was informed to just close it when I get the card even though I never agreed to the card being ran I was only advised of the one time my credit was being ran to finance a vehicle I never gave permission to run my credit for a credit card. They didn't advise me that this is their normal practice and we could just close the card out if I do not want it. This would impact the average account longevity and having negative impact on my credit score when I did not give anyone permission to sign me up for a credit card.

Location-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

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 2024-07-03 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
Please investigate this information, they are wrong. 

Account Name : XXXX Account Number : XXXX Balance:XXXX

Company response to consumer: Closed with explanation