vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: IL

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 Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I see someone attempted to fraud a bank of america account under my name. I tried opening an account and they have been denied and i was sent a report that had account i was unaware of. Ive been notified that my information was part of a data leak i'm not sure if thats how accounts were used in my name. I would like to fix this issue on why i'm not allowed to open a new 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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was sent a credit card, ready to be activated, without consent, knowledge, permission, etc., and without ever doing any business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
My account with 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 XXXXSC 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 paymen t reported in 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: NJ

Complaint narrative:
Im constantly being harassed by multiple companies that Spotloan has chasing me around. Even calling relatives. They gave a loan to someone who obviously claimed to me me I assume but I cant see how they could not verify the identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was in store purchasing items when the person at the register offered a store credit card which I declined. There was never usage on the account. This has been on my credit for 8 years now.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-17 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: Experian Information Solutions Inc.
State: FL

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 DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 XXXX 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 TO THIS MATTER!!

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> at XXXX i tried to withdraw my money at a atm in XXXX va XXXX XXXX {$140.00} the atm didn't dispense my money out so i told the XXXX and tgey told me to contact chime because tgey have no control over the atm i did so and chime tells me they will do a temporary credit on my account immediately till they resolve it been waiting i needed to pay a bill with that and now they closed my dispute and denied after telling me they was crediting my account to get my money back if i have to i would take legal action if i dont get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Relay Financial (US), Corp.
State: GA

Complaint narrative:
I am an XXXX XXXX  I had a client who made a payment of {$11000.00}, but the payment was returned because the client no longer wanted my services. Consequently, my bank, Relay Financial, froze my account and funds due to the stopped payment placed by the client.

Relay Financial requested documentation, which I provided. They also requested screenshots of communication between myself and the client, which I did not provide due to a confidentiality clause. I did, however, provide my bank statements, invoices, and the client 's contact information so they could reach out to the client directly. 

Despite complying with their numerous documentation requests, Relay Financial continues to ask for more documents. I then wrote them an email stating that I am no longer interested in banking with them due to their repeated requests and the freezing of my account. I requested that they close my account and mail my funds to me, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
This complaint is by me XXXX XXXX XXXX XXXX and its not by a third party. It is to inform you that my consumer rights are being Violated by the credit reporting agencies. There are several accounts being furnished on my account that I have know knowledge of. I demand that these accounts be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint is by me XXXX XXXX XXXX XXXX and its not by a third party. It is to inform you that my consumer rights are being Violated by the credit reporting agencies. There are several accounts being furnished on my account that I have know knowledge of. I demand that these accounts 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 2024-07-17 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: IL

Complaint narrative:
My account with 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 those account 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
We, vacated our apartment and made a formal complaint regarding safety issues to the management team. Despite their awareness of the issue, we later received a collection notice. 

Upon receiving the notice, we promptly sent a letter via certified mail to dispute the information. Instead of addressing our dispute, we received a response that only included a balance due and a copy of our signed lease, completely ignoring our initial dispute. 

We sent another dispute letter, which was again ignored. Subsequently, the disputed debt was reported to our credit report. At that point, we sought professional assistance. Our representative contacted the company, highlighting several violations and requesting a resolution, including a settlement and removal of the disputed information from our credit report. 

The company refused to remove the information from our credit report, stating they do not accept " pay for delete. '' This refusal did not address the fact that our right to dispute the information had been ignored and that the reporting was false.

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 2024-07-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports are all different. I cant even get my Experian. They say I have no score but yet Im XXXX XXXX. I have a XXXX, XXXX XXXX. I have a XXXX, XXXX has my wrong birthdate so its not even me trying to fix this.

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 2024-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I had a dispute and they said 90 days and I asked for a provisional credit and they refused. I dont have 90 days to wait. I had even asked if they could just reverse the transaction and they wont. I have a feeling they are taking me for a ride. They claim they cant do anything to help me and I happen to know that is not true from having another account that Im getting my future deposits going to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
From XX/XX/XXXX through out XX/XX/XXXX I have sent in dispute letters to XXXX to get this specific derogatory remark removed from my credit report. The remark is listed as repossession. I never gave consent for this to be reported on my credit file. The is a violation of 15 USC 1681a ( d ) ( 2 ) ( B )

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 2024-07-17 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: TX

Complaint narrative:
From XX/XX/XXXX through out XX/XX/XXXX I have sent in dispute letters to XXXX to get this specific derogatory remark removed from my credit report. The remark is listed as repossession. I never gave consent for this to be reported on my credit file. The is a violation of 15 USC 1681a ( d ) ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To whom this may concern I apologize that I do not have my dates in order but this has happened unexpectedly I opened a XXXX Credit Card towards the beginning of this year. Possibly XX/XX/2024 I never received my first bill, and did not notice until I received the second bill in XX/XX/2024 with a late fee of {$35.00}. 
I called Comenity/Bread Financial and let them know that I never received the first bill, and they assured me that they would waive that fee and send me a new bill. I was told to hold off on payment until I received the next bill with the correct amount. 
I did ask at that time if I would be charged more fees and should I go ahead and pay the amount owed. Again I was assured that there would be no more fees. 
XX/XX/2024 I received my bill and there was an additional late fee on top of the first late fee. I called the credit card company again and asked to pay it in full there on the phone and close my account. I also asked that they send my confirmation via text or email of such. 
I never received an email or text and just received another bill yesterday XX/XX/2024 with more late fees. I called again and asked to pay the bill in full and to close the account. I asked again that they send me confirmation of my request while we were on the line and they assured me that I would receive such in XXXX to XXXX business days. Before I spoke to the representative I used the automated service to report my card lost or stolen in order to close my account. The automated response reported that my card was canceled and another account and card would be issued. I asked the customer service representative to cancel that as well and that I want no more cards/accounts with Comenity/Bread Financial . The representative assured me that all cards and accounts were to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX I called and requested to settle the balance on my Old Navy Card Account in order to close it. At that time the balance on the card was {$390.00}. The card had fallen past due because when it was transferred to Barclays, the payment information for automatic payments was not transferred with the account and I moved during this transitional time period. The 90 day settlement amount that was agreed upon during that phone conversation was {$310.00}. I set up automatic payments which were deducted from my checking account on XX/XX/XXXX for {$110.00}, XX/XX/XXXX for {$100.00} and again on XX/XX/XXXX for {$100.00} totaling the {$310.00} well within the 90 day time frame for the settlement amount. After these payments were deducted in accordance with the verbally agreed settlement, they failed to close the account. At this time, the account has been forwarded to collections which has been harassing me for $ XXXX well above the amount that should have been written off in accordance with the settlement that has already been paid out on this account. This amounts to a pyramiding racket of racking up fees upon fees and has left me in complete distrust of this company for their shady credit card practices. The company states they can't do anything about it and that they don't have the settlement on file but they do show records of the payments made for the settlement I discussed on the phone that day.

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 monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
I requested that the collection agency Chapman financial services send me documents backing their claims of debt they say I owe. I sent a registered letter, called on XX/XX/24 and again on XX/XX/2024. They said they would send them but have not. As I told them I do not pay debt I dont owe. When I called they admitted that half of the debt the sued me for is past the statute of limitations. As they submitted it as one claim none of it is collectable under their lawsuit.

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 monetary relief