vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand that all phone numbers are deleted. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX - XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: IN

Complaint narrative:
My mortgage was sold XX/XX/XXXX. I made a payment on XX/XX/XXXX and received a confirmation number from Newrez. Money was not taken out of my account after many days. Called company and was advised not to worry. Went online and said my payment was posted on XX/XX/year> and next normal bill was due on XXXX. Now on approx XXXX I get a bill stating due date was XX/XX/XXXX and account is two months behind. Extremely upset. I called Newrez and they are telling me that I put in the wrong bank account info and it never went thru. I feel it didnt go thru because of the transfer and not an error I caused. Was belittled by customer service not accepting any responsibility and now am worried this will affect my credit. I never had an issue with my previous mortgage company. Awful customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NC

Complaint narrative:
I sent all 3 bureaus a validation letter back on XX/XX/year> and no one responded to me. None of the listed accounts belong to me and I want them removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NC

Complaint narrative:
I sent all 3 bureaus a validation letter back on XX/XX/2024 and no one responded to me. None of the listed accounts belong to me and I want them removed from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I took advantage of XXXX online promotional offers on Bank of America credit card. XXXX of the XXXX have XXXX % APR until a certain date. The XXXX APR is XXXX % until XXXX, XXXX. At the time of applying online for the direct deposit offer, the information provided informed me of the basic terms. Interest would accrue at a rate of XXXX percent until XX/XX/year>, then any remaining balance would accrue at XXXX  % apr. It did not mention how payments will be applied inconjunction with any other promotional offers on the account. The customer service agent stated that promtional offers are paid off in the order of expiration, which was my understanding when I applied. I was then informed that a majority of the {$3200.00} payments I made over the last XXXX weeks was being applied to the offer that expired at in XXXX  because in the fine print of the credit card statement it states the any payment amount over the minimum balance will be applied to the promontional offer with the highest interest rate. And there was no way to apply my payments to the offers with XXXX  % apr until I pay off the offer with the higher rate of XXXX. Resulting in me likely be force to paid over XXXX  % interest on XXXX rather than XXXX on the same amount. Had it been clear I would not have taken advantage of the offer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
Im the victim of identity theft. Im not sure how it happened, but it seems that my personal information was used to open accounts that I dont recognize, and I did not authorize. I did not open nor benefit from them, and I request that they be closed immediately. Which they refused to do. This is an incredibly stressful situation, and I would be grateful for assistance. Not only is this account not mines.They force my father to pay the debt because He was trying to buy a house and we have the same name. Which we are going to take legal matter about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Subject : Dispute of Erroneous and Misleading Consumer Reporting and Demand for Account Documentation I am writing to formally dispute the inaccurate and misleading reporting of late or missed payments associated with my account, as reflected in my consumer report. I demand an immediate correction of these inaccuracies and a comprehensive investigation into the matter. 

I am fully aware that the billing statements issued by your corporation in question function as bonds and coupon securities, which bear interest after their maturity. This interest is recoverable and redeemable by the holder of the coupon. Therefore, I demand to know who has been redeeming these coupons on behalf of the account holder, as this constitutes unjust enrichment of the BARCLAYS BANK DELAWARE at my expense. This practice is also grounds for identity theft, securities fraud and trademark/copyright infringement. 

I demand the following specific information and documentation related to my account : Identification of the trustee for my account. 
A full T-balance accounting ledger of my account, detailing all debits and credits associated with the account. 
Detailed documentation of any and all securities connected to my account, including the XXXX  number ( s ). 
The practice of unjust enrichment is well-documented in legal precedent, including the case of Everett v. Bennett , 30 F. Supp. 2d 469 ( E.D. Va. 1998 ), which highlights the improper financial benefit derived at the expense of another. Furthermore, In re Drexel Burnham Lambert Group , Inc., 160 B.R. 508 ( S.D.N.Y. 1993 ), illustrates the necessity of providing a comprehensive accounting ledger to ensure transparency and accountability in financial transactions. 

Please consider this notice a formal demand for the correction of my consumer report and the provision of the demanded documentation. Failure to comply with these demands within 30 days will result in further action, including but not limited to filing complaints with the Securities and Exchange Commission ( SEC ), Internal Revenue Service ( IRS ), Federal Trade Commission ( FTC ), Department of Justice Consumer Protection Branch, and seeking legal redress. 

I expect a prompt and thorough investigation into this matter and look forward to your timely response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: AL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My Venmo account was permanently closed without any detailed explanation provided by Venmo. To resolve this issue, I made several requests to Venmo support. 
I requested a specific explanation for why my account was permanently closed. However, Venmo only stated that I violated their terms and conditions without providing any specific details. I asked Venmo to identify which specific terms and conditions I allegedly violated and to clarify how I violated them. Despite multiple attempts, Venmo did not provide this information. Additionally, I requested the release of the {$41.00} that is stuck in my Venmo account. Venmo has not responded to this request.Despite these efforts, Venmo has not provided any specific information or resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
Received a text message ( XX/XX/year> ) as following : This text is from Halsted Financial, a debt collector regarding your XXXXXXXX XXXX XXXX XXXX. account. Visit XXXX XXXX XXXX XXXXXXXX. Report stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out. 

So I clicked the link and it asked for my last 4 digits of my SSN. I gave it. Then it shows me a phone number to call. I called, a person asked if I know " XXXX XXXX '', I said no. Then he said it was a mistake and hung up. Then I realized, it is a scam because I don't think I have debt. Except medical co-pay one doctor didn't send me for several XXXX visits. I didn't get bill. I thought it might be that and tried to find out. 

The real name or the scammer might be hidden under the URL given in this message. So I don't know if Halsted Financial is the scammer or it was hidden under this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have been a customer of Macy 's for over 50 years. Recently, XX/XX/year>, they issued a notice that informed me that my interest rate on purchases will be increased from what was a ridiculously high rate to one that is, I believe, illegal. The rate was based on the Prime rate of 8.5 % plus a add on rate of 24.99 % or a total of 34.99 %. They told me to either accept it or give up my card. I think this is a predatory tactic and as a XXXX senior living in XXXX, I think they should cease and desist this illegal activity. I recently file a similar complaint against Exxon with the exact interest rate boost. Both use Citibank as the intermediary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: VA

Complaint narrative:
CFPB- EQUIFAX dosent have documentation of the settlement amount. For that the account needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB- EQUIFAX dosent have documentation of the settlement amount. For that the account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I scheduled automatic payments through XXXX XXXX to pay my Fifth Third Bank credit card bill. Until XX/XX/year>, these payments were consistently made on time, by the XXXX of each month. However, starting in XXXX, XXXX XXXX claims a technical issue with Fifth Third Bank 's system prevented electronic payments. They resorted to sending checks, causing delays and resulting in late fees totaling {$140.00}. Neither bank is taking responsibility, leaving me to bear the financial burden of these penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This account was sent to you in violation of the terms and conditions I have with the original Bank, which says ... that I can not sue the bank and the bank can not sue me for this account, meaning we can not sue each other. Besides, I never received any notification or letter that said when and for how much this vehicle was auctioned and how much they opted for the Gap insurance, which is a violation of my rights according to the law, apart from this collector never contacted me and instead only arrived a 1099 from the bank which I paid on my taxes, this collector did not notify me anything either and this account appears closed. So I demand that this account be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NJ

Complaint narrative:
We have been using U.S. Bank for the last two years but recently received a large deposit of {$300000.00} from one of our sales. When trying to purchase equipment and pay for operating expenses U.S. Bank put our account and funds on hold/closure with no information as to why, when we will receive our funds. We have called and contacted multiple times offering to come into branches, provide any necessary paperwork or go through any necessary verification steps in order to either reinstate our account or get our funds. This is a substantial amount for our business and we have reputation/ client contracts to abide to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
TransUnion is refusing to provide my credit score for free, which I believe they have to do. XXXX and XXXX provide it for free. 
When I called them, the rep said the score is free, but they charge {$.00} to give it to me. 
Seems fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank website has removed the link for disputing and messaging, by which i was able to file this dispute around XXXX. Regarding " purchase '' amount {$1200.00} of XXXX, I NEVER APPROVED a dental-crown containing PORCELAIN which makes the material vulnerable to cracking. On XXXX, XXXX XXXX told me that the material contains porcelain, they INSISTED on mixing porcelain with the material, therefore i canceled the service via email and phone on XXXX. See Attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NY

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company 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