vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
XXXX : Unlawful Account Access Change and Unresolved Credit Card Payment Issues- First Interstate Bank XXXX XXXX XXXX CFPB, ** I am filing a formal complaint against First Interstate Bank XXXX XXXX XXXX and their third-party collaborators regarding my credit card account management. 

In XXXX of this year, I applied for a credit card through First Interstate Bank, which was advertised with a specific credit limit. The approval process took significantly longer than expected and involved repeated instances of what I believe to be discriminatory practices. After a delay, the credit card was finally approved. 

However, shortly after the card was issued, my ability to access the account and make payments was compromised. Specifically, my account information ( including access credentials ) was changed without my knowledge or consent. As a result, I have been unable to make payments on the account since then. 

I contacted First Interstate Bank multiple times regarding this issue, beginning in XXXX, and made them fully aware of the unauthorized change. Despite my numerous attempts to resolve the issue, it has now been over four months, and no investigation, action, or communication has been initiated by First Interstate Bank to rectify the problem. 

During this period, fees related to the inability to access my payment schedule have continued to accumulate. XXXX XXXX has attempted to draw funds from my account to cover these fees, resulting in multiple failed payment attempts and subsequent overdraft fees. These overdraft fees have compounded the financial damage caused by the bank 's failure to resolve the access issue. 

I have also brought these overdraft fees and unauthorized actions to the attention of my banker at XXXX XXXX, yet no steps have been taken to address them. 

I am requesting an immediate investigation into XXXX XXXX Banks and Mastercards practices in this situation, and I am seeking full restitution for the overdraft fees and any other charges that have accrued as a result of my inability to access and manage my credit account. 

I would appreciate your prompt attention to this matter, and can forward any emails needed to confirm these findings. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Wy, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-01 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: Self Financial Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Self Financial Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Shopping ( XXXX ) is an online shopping portal that provides cash back on other merchants you purchase through the link they provided. 

I transferred 3 phone lines to XXXX XXXX XXXX wireless on XX/XX/XXXX, with activated Capital One Shopping browser extension that says " {$450.00} cash back for each new line ''. 

However, I never get any pending reward. I then contacted Capital One Shopping at XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XXXX but never got a reply. 

However, if I use any other email address, they would give me a reply says " please use the email associated with your account ''. But when I send with the email associated with my account, I still never hear back from them. 

They refused to provide any other customer service methods such as phone number, online chat or mail, and also refused to go into my account if I email with another personal email-address. They refused to change the email address on my account, other than delete the account and creating a new one, which stated in the website. 

All I am looking for is a way to get support, but I never hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: MO

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened with XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXX under the account number XXXX XXXX, a personal credit card opened with XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX, a personal credit card opened with XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX, a personal credit card opened with Together XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number xxxxxxxxxxxx XXXX, a personal loan opened with XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under account number xxxxxx XXXX, and a collection account opened with XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under the account number xxxxxx XXXX. I do not recognize the aforementioned accounts, or collection, as reported. The aforementioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and the collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # s ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, the collection, and hard inquiry are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XXXX XXXX XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of XXXX and XXXX  days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment.

Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Phone : XXXX XXXX : XX/XX/year> SSN : XXXX Round XXXX Data Breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than XXXX days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to reflect a payment or a credit issued to me properly. ( 5 ) Computation Error : The creditor 's statement has a computation error or similar accounting error. Since the creditor did not notify me XXXX days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXXXXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my 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 2024-10-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank continues to harass me with fraudulent invoices for the purchase I made at XXXX and then returned the merchandise back. Refund of the shipping was not made claiming that I was not entitled to that refund. The invoice from the XXXX was nothing short of a fraud because it produced no information about prices or shipping. For that reason, claim that I was not entitled to a refund of shipping expenses is nothing short of intentional fraud, harassment, and abuse of senior citizen of XXXX XXXX XXXX as well as fleecing.

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 2024-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have attached my bank statement showing that along with my monthly payment of {$2600.00} an additional principal payment of {$25000.00} for a total payment of {$27000.00} was made to XXXX Home Loans. This amount was taken out of my account on XXXX. On the XXXX XXXX XXXX monthly mortgage statement and the transfer letter Shellpoint, the Outstanding balance is listed at {$270000.00} reflecting the {$25000.00} additional principal payment. The current balance listed on Shellpoint is {$290000.00}. XXXX Home Loans without my permission did a " Misapplication Reversal '' of $ XXXX on XXXX XX/XX/2024. I found out of this reversal while setting up my new loan payment to the transfer company. I did not give permission to XXXX Home Loans to reverse the {$25000.00}. As of XXXX XX/XX/2024, I am missing {$25000.00} ( see attached bank document ). Please investigate this fraudulent transaction as there is a missing {$25000.00} that is neither in my bank account nor applied to my loan. Per XXXX Home Loan representative, Shellpoint is responsible moving forward as the new loan provider. 
1. Does XXXX Home Loans make more money in selling a higher loan debt? Shellpoint is a debt collector.

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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
It saddens me deeply to find out my bank of many years ( Wells Fargo ), is so greedy that they will not correct a wrong even though they know they broken the law! Its even worse to think my bank is as corrupt if not worse than the moving companies that did the following! 
I moved to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and had a very bad experience with XXXX moving companies intimidating and extorting money ( {$2800.00} ) from me. Now they are trying to extort even more from me ( {$2800.00} ) plus holding my belongings ransom for the past XXXX months. 
I went to the Wells Fargo branch ( XXXX XXXX ) on XX/XX/XXXX requesting a stop payment on a check for {$2800.00}. 
With that being said a Wells Fargo employee created the stop payment on the check using XXXX different checking account # s and screwed up the stop payment. I thought things couldnt get any worse than that until I spoke with the branch manager XXXX XXXX XXXX and found out Wells Fargo also created a second checking account under my name without my authorization in Year XXXX. I found it odd that is also the time frame the banking industry got in a lot of trouble with some of their employees creating accounts to make it look like they were creating more business, which Im pretty sure is called fraud. 
During the past XXXX months I have requested a return of my money XXXX times, each time getting my request turned down and then seeing XXXX responses from your internal team telling me the following. 
The representative I spoke with on XX/XX/XXXX stated they have documents that show I signed for a second checking account not just a request for checks. How many people do you know open a second checking account just to order new checks? Wells Fargo is that desperate for money that they will actually lie about what their employees do rather than correct their issue and pay a mistake of {$2800.00} 1 We reprimanded the employees involved to do better at their jobs but I had to call in to find out you werent going to return my money.

2 We need more time! A week later I receive a letter, dispute ID # XXXX that there was a potentially unauthorized Wells Fargo account opened for the second checking account. Now a month later I have to call in again to find out thats all your team is going to do to rectify my loss in money. 
I will be following up with whom ever over sees the banking industry to file a complaint against Wells Fargo, for fraud and or any other topics that could befall stealing my money from me due to this issue. 
I will also be moving my money to another bank and inform them of the illegal practices performed at Wells Fargo.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: PR

Complaint narrative:
I originally files a Fraud complaint with the FTC based on XXXX stating to get a case file number XXXX. I realized today that the FTC will not do anything for me and I have not heard back from the Companies in question. My case was a Fraud case against XXXX XXXX XXXX because the stole my identy information and created a leasing agreement against me. I will provide submitted information I provided to the FTC and what I also submitted to the Collections company that appears to have the bought the outstanding debt. That company XXXX XXXX XXXX XXXX who transferred it to XXXX XXXX XXXX, XXXX XXXX. I have spoken to the company and also submitted documentation that I do not own them anything. My attachments so into greater detail and also has proof that I was not in the area of purchase or could have used that bogus IP address, which belongs to company out of XXXX XXXX XXXX area. Additionally I find it unusual for a leasing company to not have a phone number, especially a phone lease.

Company response to consumer: Closed with explanation