vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX the balance on my account was incorrect due to additional interest that was added to my account because of a promotion expiring and the payments not being allocated correctly. The balance was adjusted by {$2900.00} to the correct amount, however the minimum payment was not adjusted and incorrect. I called in to explore situation and a ticket was created and I was then escalated to speak with a manager. My balance on the account is {$1000.00}. My minimum payment amount is {$150.00}. This amount is incorrect as the minimum payment due is 1 % of the total balance plus interest and fees. If the minimum payment due is less than {$40.00}, the minimum payment amount will default to {$40.00}. This is my understanding of how my payment is calculated with my Home Depot store account provided by Citi. My calculation on the minimum payment due is roughly {$36.00} and would then default to the {$40.00}. The manager I spoke with had no idea how to calculate my minimum payment due and said the {$150.00} is the correct amount, however the {$150.00} was based on the incorrect balance from the previous month and not adjusted when the new balance was corrected. Citi refused to make any adjustments or provide information on how the minimum payment would be distributed between balance and interest. In addition to this confusion, I received an email stating my minimum payment is {$180.00} and not {$150.00}. Citi has an ongoing issue with providing incorrect payment, balance, and promotional information to its customers. This continued complacency and confusion should not be allowed from any corporation, but especially one as large as Citi and Home Depot. My auto pay would not process also due to the fact the minimum payment was incorrect. I would like this corrected and any fees associated with late payment be waived due to the incorrect payment amount.

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 2025-01-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SS XXXX XXXX XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patenly incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the reinvesigation of information and lousy attemped was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS XXXX DOB XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patenly incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the reinvesigation of information and lousy attemped was done clearly.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MA

Complaint narrative:
I am a victim of identity theft.. I have never given any written consent to any credit reporting agency to furnish my credit report which is required by law pursuant to 15 US 1681b ( a ) ( 2 ). Permissible purpose is written consent. No consent is identity theft.

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 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
My car was repossessed XXXXXXXX XXXX before XXXX and my wife and I immediately pulled together the outstanding amount owed to XXXX XXXX XXXX XXXX to pay the balance off and recover my XXXX XXXX XXXX. I overnighted the check using XXXX on XX/XX/XXXX and called repeatedly to check on the status and find out next steps. I was disconnected at least 15 times from the call center. I finally got XXXX on the phone but he said that the XXXX tracking number did not come up In XXXX system. The Repossession company picked up my car in XXXX and dropped it off in XXXX XXXX which has collection laws more favorable to repossession companies. I still dont know where the check is as it was last tracked in XXXX XXXX XXXX XXXX XXXX XXXX is in XXXXXXXX XXXX. No communication from XXXX as to whether the check has been received and whether the release has been issued so I can recover my vehicle. I need the car to go to work. I think that XXXX purposely makes it hard to recover vehicles so that they can sell the repossessed vehicles and sell them for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target/TD Bank XXXX XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under [ xxxx ] and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account. 
Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected. 
Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
**Subject : ** Formal Dispute Regarding Inaccuracies, Late Payments, Fraudulent Accounts, and Request for Remedies Dear [ Credit Reporting Agency Name ], I am writing to dispute several inaccuracies and legal violations on my credit report as maintained by your agency. These errors and violations have caused significant harm and distress. Below, I have detailed the specific discrepancies, along with the applicable legal statutes, and included exhibits for your review. 

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings. 
- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported : " XXXX XXXX '' with multiple variations. 
- Incorrect addresses listed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and variations. 
- **Exhibit : ** A # # # # 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX XXXX XXXX # XXXX ) : 3 late payments misreported. 
- XXXX XXXX XXXX XXXX # XXXX ) : 2 late payments misrepresented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : 1 late payment inaccurately recorded. 
- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Fraudulent accounts opened without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX  # XXXX ) : Unauthorized account with past due payments. 
- XXXX XXXX XXXX XXXX ) : Fraudulent activity reported. 
- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX ( XX/XX/year> ) - XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XX/XX/year> ) - **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods. 
- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - XXXX XXXX XXXX XXXXXXXX ) : Re-aged account. 
- **Exhibit : ** E

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was XXXX XXXX XXXXXXXX. I XXXX XXXX  without XXXX XXXX XXXX. While hospitalized I missed credit card payments. Starting XXXX XXXX ( when I received my Social Security ) I started calling my credit card companies. I explained the situation. Every single bank I spoke with ( give in all ) all waived the entire late fee without hesitation. I made full payments in return and brought my account current. 
However, when I contacted Comenity Bank? I was treated to ; passibe aggressive language, being cut off mid-sentance to correct my pronunciation of their bank 's name, and a regressive policy of only waving {$15.00} of the {$40.00} late fee, and the punitive action of reinstating the {$15.00} if I am ever late again. 
I was, also, refused information about Supervisor. I was given her code ( XXXX ) but when I asked for what call center ( not location just an identification ID for my report to the FCC ) I was refused. 
In all my decades of dealing with banks, and credit card companies, I have never been treated withmore disrespect, refused common courtesy extended by all the other credit card companies I deal with, and treated like a dead-beat because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This company is treating its customers poorly, and perhaps illegally. They are an outlier in the industry and need to be investigated, and possibly fined or penalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IA

Complaint narrative:
Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from 3 your agency on [ XX/XX/year> ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number? 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired. 
Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, 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 2025-01-04 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: CA

Complaint narrative:
I recently reviewed my credit file and noticed that there were multiple inquiries on my report that are unauthorized. I have made a list of the inquiries in which I need to be immediately removed from my credit file as I did not approve for these companies to access my credit file and inquire about my credit report. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
-- - [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX **Subject : Formal Complaint Regarding Mishandling of My Credit File** To Whom It May Concern, I am writing to formally file a complaint regarding the willful and malicious mishandling of my credit file, which has resulted in a detrimental loss of XXXX points on my credit score. This significant decline can be directly attributed to TransUnions failure to report my credit accounts accurately and in a timely manner, specifically pertaining to my account with XXXX. 

XXXX has reported three months of on-time payments to TransUnion, as well as to the other major credit bureaus : XXXX and XXXX. I have received consistent correspondence from XXXX confirming my good standing, which can be corroborated through my credit files with XXXX and XXXX. Despite my repeated attempts to relay this information to TransUnion, the inaccuracies in my credit file persist, leaving me with no resolution. 

The willful non-compliance in reporting the XXXX tradeline in a timely manner has resulted in the combined reporting of my credit account months after the actual payments were made. This egregious delay not only undermines my creditworthiness but directly impacts my financial opportunities, as my credit score has not had the chance to recover from prior infringements that TransUnion has perpetuated. 

Given the circumstances, I feel that this situation warrants immediate attention and corrective action. I respectfully request that TransUnion take the following actions : 1. Promptly investigate the inaccurate reporting and update my credit file to reflect the correct, timely payments made to XXXX. 
2. Issue a re-evaluation of my credit score considering the corrected information to reflect my true creditworthiness.

3. Provide a detailed explanation of why these inaccuracies occurred and the steps TransUnion will take to prevent this issue in the future. 

I trust that TransUnion will take my concerns seriously and respond promptly to this matter. Please consider this letter as a pre-arbitration notice regarding the mishandling of my credit information and the ensuing harm to my financial standing. Should there be no satisfactory response or resolution within the next 30 days, I will have no choice but to pursue further legal action. 

Thank you for your attention to this serious matter. I look forward to your swift response. 

Sincerely, [ 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 2025-01-04 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: MO

Complaint narrative:
Hello My Name is XXXX XXXX and i want to report identity thief in the year of XXXX  i was sentence to XXXX XXXX XXXX XXXX I recent notice some items on my credit report that was not authorized by me. Due to me being incarcerated from XX/XX/XXXX of XXXX  till XX/XX/XXXX of XXXX see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MO

Complaint narrative:
Hello My Name is XXXX XXXX and i want to report identity thief in the year of XXXX  i was sentence to XXXX XXXX XXXX XXXX I recent notice some items on my credit report that was not authorized by me. Due to me being incarcerated from XX/XX/XXXX of XXXX  till XX/XX/XXXX of XXXX see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patenly incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the reinvesigation of information and lousy attemped was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cash app was closed for the reason I violated the terms of their agreement with my work deposits being frozen and taken from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: OK

Complaint narrative:
I requested a copy of my credit report. Once I got it there were inaccurate information on it. There were XXXX accounts were not listed but they were listed on Trans union and or XXXX please review this inaccuracy and delete the inaccurate accounts

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