vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I called and paid out my account in XXXX. I asked customer service the amount to pay and paid what was stated. I am now receiving late fees on account I paid out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant negative impact on my mental well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My student loan thru Navient shows my disbursement date as XX/XX/XXXX, however, I graduated in XXXX from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Sezzle Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Sezzle XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Form 1099-C Dear Sezzle, I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : I did not authorize nor do I have knowledge of this inquiry. 
Clarity Services A Part of Experian.. on behalf of XXXX XXXXXXXX XXXX Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX XXXX inquiry date XX/XX/year>

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 2024-10-17 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: TX

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant negative impact on my mental well-being.

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 2024-10-18 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: TX

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

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

I demand the late payment reported in 30 days up to 60 days 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 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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found issues on my credit report that seem incorrect. I'm upset and believe your agency hasn't ensured the reported information is accurate as required

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 2024-10-18 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: CO

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I initiated a XXXX transfer of {$50.00} on XX/XX/year>, at XXXX XXXX  to XXXX XXXX, phone number XXXX, from my US Bank checking account ending in XXXX. The transaction was confirmed by the banks system, with a notification stating that the funds would typically be available in the recipients account within minutes. The confirmation code for this transaction is XXXX. 

Despite the confirmation, as of XX/XX/year>, at XXXX XXXX, the recipient reported that they had not received the funds, and there was no indication of the transaction in their bank account. Concerned, I contacted US Bank and spoke with a representative named XXXX. He confirmed that the transaction was sent but then stated that there would be an unexpected three-day hold on the funds. This information was surprising and unsettling as it was not communicated at the time of initiating the transaction, nor was there a satisfactory explanation provided for this hold. 

This situation has not only caused financial inconvenience but also distress due to the lack of clear communication and transparency regarding transaction delays that should ordinarily be instantaneous according to XXXX service features. 

I am seeking the intervention of the CFPB to : 1. Investigate the reasons behind the unexpected delay and the banks failure to communicate such crucial information effectively.

2. Ensure that US Bank adheres to its commitment as per the service agreement and processes such transactions timely.

3. Provide clarity on policies regarding transaction holds, ensuring that consumers are properly informed in advance of such significant deviations from expected service standards. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues and ensuring compliance with fair banking 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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Please validate the following debt with the assignment contract chain : XXXX XXXX XXXX # XXXX Portfolio Recovery # XXXX I request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In order to verify the legitimacy of this debt and ensure that you have the legal authority to collect on it, I request the following information : 1. Complete Validation of Debt shown above : - Provide the original agreement or contract that created the debt, signed by me.

- A detailed breakdown of the amount claimed, including the principal, interest, fees, and any other charges.

2. Assignment and Chain of Custody of Debt shown above : - Documentation showing the assignment, sale, or transfer of the debt from the original creditor to your agency. This must include a complete chain of assignment from the original creditor to you, showing every intermediary that held the debt before it was assigned to your agency.

- Copies of any assignment contracts or agreements, including any agreements between the original creditor and any debt buyers, and between any subsequent debt buyers, leading up to your agency.

3. Proof of Licensing and Authority of debt shown above : - Proof that your agency is licensed to collect debts in my state of residence and that you are legally authorized to collect this debt. 

Please consider this a formal request for the assignment contract chain, and provide me with all pertinent information, including but not limited to the documents listed above, within 30 days of receipt of this complaint. 

If your agency can not provide the requested validation and assignment chain documentation, I will consider the matter closed and will expect any negative information to be removed from my credit reports with all credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request that all communication regarding this matter be conducted in writing and sent to this address : XXXX XXXX XXXX XXXX NY XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts - Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to formally notify you that I am a victim of identity theft as a result of the recent data breach. Fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ), I am requesting that you block and delete all information associated with these fraudulent accounts from my credit report. 
Please find enclosed copies of my identity theft report, along with other supporting documentation, to substantiate my claim. 

The following fraudulent accounts have been identified : XXXX XXXX # XXXX I would appreciate your confirmation that this account have been blocked and deleted from my credit report as per the Fair Credit Reporting Act. Additionally, I request written confirmation once the requested action has been completed. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/year> Amount taken away from my account was {$200.00} I took the action of sending a dispute form with Chime to have my money returned as this was not given away to someone. I was called by someone that I learned after the fact was a fake person pretending to be a Chime Representative. The money was stolen from my account but put under the tab of pay anyone. I contacted Chime about the issue and filled my complaint. The representative that I spoke with did not help me in the slightest, neither did the " task team '' for recovery. I was given an email that stated they did find any errors when infact there is an error, Chime concluded that I " paid a friend '' when I do not know this person. I received a fraudulent text that I spend {$290.00} at a XXXX in Florida when I live in XXXX XXXX XXXX XXXX. This is unacceptable and downright pitiful that they would deny my claim. I provided all the evidence of the fake number, text message and the reply the fake person gave to me afterwards. 

I would appreciate Chime getting there things together and providing me my {$200.00} back. 
My dispute claim numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
Apparently XXXX XXXX  is getting my social to tried to open accounts with them, i do not have any current relationship with them.

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 2024-10-18 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: NM

Complaint narrative:
Incorrect credit reporting information and denial of consumer credit type of transaction and misuse of credit and lied to me and said I must give my social to receive services and thats not true see privacy act 1974 also collections department disregard UCC 3-603. Due diligence not done credit report is not equitable and fair. Not able to obtain credit for automobile despite being XXXX XXXX. How does that credit work again? Are we not entitled obtain loans because was denied credit due to billing errors and payments refused by credit union and dont bother referring me back to NCUA

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 2024-10-18 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: ID Analytics, Inc.
State: NM

Complaint narrative:
Incorrect credit reporting information and denial of consumer credit type of transaction and misuse of credit and lied to me and said I must give my social to receive services and thats not true see privacy act 1974 also collections department disregard UCC 3-603. Due diligence not done credit report is not equitable and fair. Not able to obtain credit for automobile despite being XXXX XXXX. How does that credit work again? Are we not entitled obtain loans because was denied credit due to billing errors and payments refused by credit union and dont bother referring me back to NCUA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX DOB : XX/XX/XXXX | XXXX : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am writing to formally request corrections to my credit report as I have identified several inaccuracies that require immediate attention. This is the second time I am submitting this request. If the inaccuracies are not resolved, I will be compelled to pursue all legal avenues available to me, including civil action. 

Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Date ( s ) of Birth : XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer ( s ) : XXXX XXXX XXXX XXXX IN Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX Additionally XXXX I request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls.

I would like to remind you that under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as mandated by law.

Moreover, I would like to highlight the following sections of the FCRA : Section 605 : Prohibits the inclusion of outdated information in credit reports. Please ensure any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 : Requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when disputed by the consumer. 

I look forward to your prompt response and expect a resolution to these inaccuracies within the stipulated time frame.

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: AR

Complaint narrative:
I got a secured discover card like 2 months ago. They claimed the irs needed some kind of verification no other credit card or bank has ever required me to prove to open. So how can it be the IRS requiring it? Over two weeks ago they called me and and said if anymore problems they would be in touch. I tried my card and it got declined. So now I'm getting the runaround from two branches at discover and the stories don't jibe but I got XXXX  unprofessional and the conversation ended. It only took 5 hrs to not find out a XXXX thing

Company response to consumer: Closed with explanation