vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
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 2023-11-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus.

Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: LA

Complaint narrative:
DELETE THESE INQUIRIES. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I sent a opportunity to cure, demand letter to COLLECTION BUREAU OF THE HUDSON VALLEY , INC and the Company responded on XX/XX/XXXX  " CBHV has not violated the FDCPA. We have documented your account as a cease and desist, you will receive no further contact from us regarding this account. '' the complaint number is XXXX that was Submitted to the CFPB on XX/XX/ it is in fact that you have violated the FDCPA and failure to provide remedy in accordance to FDCPA and FCRA may result in a lawsuit against you please cease all communication through all mediums including my consumer reports and send me documentation stating you would do so thanks, so are also held liable up to XXXX per violation of the FDCPA and monetary remedy for FCRA i willy to settle this matter for XXXX or i would be forced to file a lawsuit thanks for understand

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I've contacted this company Bank of America multiple times for this ( Late payment ) gotten No help, this late payment is affecting my credit because I never was late before.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: NV

Complaint narrative:
My loan got sold XX/XX/2023 to RoundPoint Mortgage. Loan # XXXX. 
I received a letter XX/XX/2023 that I have a shortage on escrow amount of {$110.00}. I submitted the payment of {$110.00} on XX/XX/2023 confirmation number XXXX. 
RoundPoint Mortgage increased my monthly payment anyway, even though the shortage for escrow was paid. I have contacted Roundpoint by email and phone requesting the insurance to be removed from the escrow account and inquiring why my payment increased on the following dates : XX/XX/2023 email and phone. XX/XX/2023 phone. XX/XX/2023 email and phone. XX/XX/2023 email and phone. XX/XX/2023 email. XX/XX/2023 email. I receive an automatic email stating Acknowledgement but that's where the communication will end. Representative on the phone will tell me that the information has been noted and I will receive an email when the account will be updated. I is very unfortunate that this company has also a very bad reputation on the web with exactly the same information as described above. 
I have proof of the correspondence if needed. 

Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a 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 2023-11-01 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: KY

Complaint narrative:
XXXX XXXX XXXX The bills made to me were not mine and no proof has been given to me as to the legitimacy of the claim I ever had anything to do with the alleged XXXX  XXXX XXXX. When requested further information, refused to supply any and only urged for me to pay. When disputed, was not taken off my credit report even though no proof was given to me, as no proof exists because I never have done any business with XXXX XXXX XXXX and have never had a 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 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
Aldous and Associates contacted me about a gym membership account that was not owned by me. Someone stole my basic information ( name, birthday, email ) and opened an account under my name. They used an address that was not mine, and a credit card that was not mine and had their name on it. The signature on the gym membership agreement is also clearly forged. I contacted XXXX XXXX XXXX, but they had already sold the contract to Aldous and Associates. I have tried numerous times to contact Aldous and Associates and they have not answered or returned calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a credit alert that a hard inquiry was reported on XX/XX/ from JPMCB card. I have not applied for a new card and no one has my personal information to do so. This is a fraudulent inquiry/card if an account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: SC

Complaint narrative:
Equifax Information Services LLC sent me a letter stating that they need more proof of my personal information to verify my claim. 

I am not the one needing to verify who I am, this is a delay tactic. 

Equifax is to remove inaccurate reporting of my information. Reporting my personal usage, balances, delinquency, and or collection status is unfair practicing and illegal according to 15 USC 1681 section 602 A and 15 USC 1681 Section 604 A section 2 and A1. They are reporting on what congress defines as transactions and experiences which is not prohibited. Under 1681 N civil liability will hold them accountable for damages, denials of credit or rejections due to inaccurate, unlawful reporting. File numbers are XXXX and XXXX. Block and delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom this may concern, I have attempted to sent letters Trans Union several times about inquires on my credit report that I did not do. I have also called and did what was requested by them several times. They told me there is nothing they can do about it and to reach out to the companies that have appeared on my credit report. I also explained to them that my wallet was stolen and that I have had several fraudulent credit cards and inquiries on my report but still nothing was done. Therefore, I have no choice to reach out to get this matter resolved. I am asking to have them remove as there impacting my credit profile.

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 2023-11-01 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: TX

Complaint narrative:
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2023 I went to XXXX XXXX Bank, XXXX XXXX XXXX, XXXX MI. 
The drive thru ATM was out of service. I parked and went into the lobby and there was an ATM machine thru another set of double doors- but it was locked. I drove around the bank but wasn't able to find how to get into the other doors. We are new to the area so I don't know my way around XXXX very well. On XX/XX/2023 I went into the bank to make a deposit. I was telling the lady that was waiting on me what had happened on XX/XX/XXXX and that I had to pay XXXX dollars in fees at XXXX because we were going out of town and I needed the cash. Some woman came up behind the teller and interrupted our conversation and started telling me where the door was to get to the inside ATM - she told me to get my purse and follow her!! I was so surprised I just did what she said ( I am assuming she was the manager but she didn't introduce herself ) The teller said to her ( the manager? ) as she was taking me across the bank to the doors - that our transaction wasn't complete and I still had money coming back. so she showed me where it was ( the indoor ATM ) and told me what street I needed to be on to get to that door. I thanked her and went back to finish the transaction with the teller. The manager? went around and looked at the teller 's screen and told the teller if I would switch my checking account to a PERK account they would reverse the XXXX dollars. At that point I just wanted to leave and the teller asked if I wanted to switch my account. I said no I do not wish to change my checking account - good bye! While i was driving home I thought I have been with Huntington bank since the bought out my previous bank- I have XXXX accounts with over {$100000.00} The account that the fees are on is a checking account ending in XXXX. ( We recently moved to this area so I do not have the full account number ) why would that manager treat me likeI was XXXX and drag me around the bank and interrupt my transaction- she was so unprofessional- and she should have reversed the XXXX dollars because I am a good and loyal customer. thank you XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX MI. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I opened a checking account with Citizens Bank using a promotional offer code XXXX. 
Under this offer, Citizens Bank is offering a bonus of up to {$400.00} when you open a new checking account. 
To earn a {$300.00} bonus, open your first new personal checking account and have at least XXXX single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 
To earn up to {$100.00} : Get paid {$2.00} per qualified debit transaction ( up to {$100.00} ) that post and clear your new checking account within 60 days of account opening. 
As per the terms, the bonus will be paid by XX/XX/XXXX. 
I have met all offer requirements ( please see description below ), but I did not receive my {$400.00} bonus. 
XXXX. I opened my account on XX/XX/XXXX. 
XXXX. I received a direct deposit on XX/XX/XXXX ( I received a direct deposit confirmation ). 
XXXX. I have made XXXX debit transactions that were posted and cleared in my new checking account within 60 days of account opening. 

Although I met all the requirements, I did not receive the {$400.00} Bonus. Based on the terms and conditions the Bank is legally required to pay me the {$400.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX didnt give those companies to pull my credit

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX didnt give those companies to pull my credit

Company response to consumer: Closed with explanation