vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: OR

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a point credit to my credit card in the amount of XXXX and it should up the next day as a credit ( like a payment ) similar to when I return something it goes towards to the minimum payment. However they charged me XXXX $ due to no payment. Well I made a XXXX dollar payment from my rewards credit balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I have an account with RobinHood, account : XXXX ( XXXX ) Account number :. I wired transferred into Robinhood {$7000.00} on XX/XX/year> from my XXXX  XXXX XXXX account. The account was frozen in Robinhood die to " suspicious activity '' Don't know what that meant as I was buying crypto. I spent many days trying to get a phone call back from Robinhood to explain and remove the suspension from my account. I can not get an answer back and several days ago I received a notice my account was closed and they would advise when it as complete. I requested information on when my money would be transferred back to my XXXX  XXXX XXXX account. I do not receive a response back from any attempt and only a chatbot. I uploaded all documents they requested to include photo IDs, bank statements, wire transfer information, Statements with my address and last XXXX of my account. I still get no response back. Help I need my money back its been sitting in limbo for XXXX weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
a collections was sent to me from XXXX XXXX for charges that accrued in a house i was not an inhabitant to. I was living 3 hours away at the time and have proof to substantiate that claim. It's public record of the house I owned and lived in with my husband. I spoke with XXXXXXXX XXXX regarding the charges they assured me it was taken care of and the charges were dismissed. I later received a collection notice from another company which I disputed. They dropped the charges AND THEN ANOTHER SEPERATE collection company picked up the charges and I have disputed them and they still are trying to collect money NOT OWED by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email that my student loans were qualified to be XXXX due the school defrauding students I waited two years which today is XX/XX/XXXX only so see no movement o have been in contact with my loan servicer who had advised me The XXXX XXXX XXXX has sent them an email that my loans weee approved for XXXX on XX/XX/XXXX. And since then nothing has happened contact the Borrower Defense hotline only to be told they handle people who put in an application and my loan were part of the class settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, and XXXX. are negativley reporting student loans. Have been a student ongoing since 2016. Payments should not show negative as XXXX has corrected this ans sent correpondence to bureaus.

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 2024-12-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I have responded to them about the pricing of their vehicles in person and to the main corporate headquarters in Arkansas the manager of the XXXX XXXX called me and asked me what she could do to help resolve this problem my response was to either lower the vehicle prices for to buy them back the supervisor informed me that she could not lower the price nor could she buy the vehicles back. I spoke with people in Arkansas and in XXXX Missouri on or around XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiry in Dispute : XXXX XXXXXX/XX/XXXX Negative accounts NOT included in Dispute : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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 2024-12-23 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: World Acceptance Corporation
State: GA

Complaint narrative:
There are XXXX accounts under experian for a company world finance. My account was paid, and it shows XXXX opened within the same year. This informtion is incorrrect. This was written off, and i did not recieve a 1099 c from the company, as there is fraud here. being that it was written off and is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have attempted to close my PNC checking account XXXX XXXX times through all possible methods : in-person at the branch and by calling the local branch directly ( XXXX ). In every single instance, PNC Bank has said that they have " closed '' the account but actually have not done so. I have zeroed out the account twice with a balance of {$0.00} and PNC still refuses to respond to my requests for account closure. Despite my XXXX requests to close the account, PNC charged me a {$7.00} checking account fee on XX/XX/year>. 

On XX/XX/year>, I spoke with branch banker XXXX XXXX ( XXXX ID XXXX ) at the PNC Bank located at XXXX XXXX, XXXX XXXX, NY XXXX. He said that I was unable to close my account because it contained {$0.00}. I was charged a {$7.00} checking account fee on XX/XX/year> and zeroed out the account shortly after, visiting an ATM to withdraw all remaining cash. Apparently, this XXXX bank has a policy where they can not close an account on the same day it is zeroed out, which sounds to me like a limp excuse to XXXX people out of their time and cash. On XX/XX/year> I called the same branch and spoke to XXXX again who strongly reassured me that my accounts ending in XXXX, XXXX, and XXXX were closed at that time. Color my shock when lying PNC Bank accepted a deposit of {$9.00} on XX/XX/year> to my XXXX checking account when it should have bounced back, forcing me yet again to jump through hoops on phone payment apps just to get the account to {$10.00} so I can visit an ATM to close it out again. So I did that yesterday and contacted the branch for a third time this morning on XX/XX/year>. I spoke to both the branch " manager '' XXXX and the branch " banker '' XXXX XXXX and yet again I have been informed that my account will not be closed until tomorrow morning, XX/XX/year>. This is absolutely unacceptable and I want my checking account closed NOW. Not the banker 's " now '' which apparently means " in six months while we steal from you via account fees '', I mean IMMEDIATELY, AT THIS MOMENT, RIGHT AWAY. XXXX XXXX. 

I assume the account will not be closed because PNC Bank is run by XXXX liars who think they're so smart but are in fact little more than XXXX XXXX XXXX XXXX. I look forward to their call in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information Request for Deletion Dear XXXX XXXX XXXX, I am writing to formally dispute the accuracy of the account listed by XXXX on my credit report. After reviewing the details of my credit file, I have found several discrepancies related to this account, which I believe are inaccurate, incomplete, and misleading. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute information that I believe is incorrect or unverifiable. Specifically, I assert that the following inaccuracies exist : Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. This obligation extends to all furnishers of information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, who are bound by the provisions of 15 U.S.C. 1681s-2 to report accurate data.

I am requesting that the information regarding this account be thoroughly investigated and removed from my credit report, as it fails to meet the statutory requirements of accuracy and completeness under the FCRA. Should these companies or your agency fail to resolve this dispute in a timely manner, I will consider seeking remedies, including monetary damages as outlined in 15 U.S.C. 1681n, which provides for damages of up to {$1000.00} per violation, along with attorneys fees and court costs, for willful non-compliance with the FCRA.

As part of my request, I ask that you : Investigate this account under the guidelines of the FCRA.

Delete this account from my credit report if the investigation determines that the account contains inaccurate or incomplete information.

Notify me in writing within 30 days of your findings and actions regarding this dispute, in accordance with the FCRA.

I am entitled to this removal based on the inaccuracies present in this account, and I expect that you will comply with the legal obligations set forth in the FCRA. Please also inform XXXX of this dispute so they may take corrective action to remove any inaccurate information from their records. 
Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been reviewed and either updated or deleted from my credit file as applicable. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information Request for Deletion Dear Sir or Madam, I am writing to formally dispute the accuracy of the account listed by XXXX on my credit report. After reviewing the details of my credit file, I have found several discrepancies related to this account, which I believe are inaccurate, incomplete, and misleading.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute information that I believe is incorrect or unverifiable. Specifically, I assert that the following inaccuracies exist : Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. This obligation extends to all furnishers of information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, who are bound by the provisions of 15 U.S.C. 1681s-2 to report accurate data.

I am requesting that the information regarding this account be thoroughly investigated and removed from my credit report, as it fails to meet the statutory requirements of accuracy and completeness under the FCRA. Should these companies or your agency fail to resolve this dispute in a timely manner, I will consider seeking remedies, including monetary damages as outlined in 15 U.S.C. 1681n, which provides for damages of up to {$1000.00} per violation, along with attorneys fees and court costs, for willful non-compliance with the FCRA.

As part of my request, I ask that you : Investigate this account under the guidelines of the FCRA.

Delete this account from my credit report if the investigation determines that the account contains inaccurate or incomplete information.

Notify me in writing within 30 days of your findings and actions regarding this dispute, in accordance with the FCRA.

I am entitled to this removal based on the inaccuracies present in this account, and I expect that you will comply with the legal obligations set forth in the FCRA. Please also inform XXXX of this dispute so they may take corrective action to remove any inaccurate information from their records.

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been reviewed and either updated or deleted from my credit file as applicable. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I deposited XXXX in checks at the branch ATM, as it was after business hours. On XX/XX/XXXX, my online banking was locked, and I went into the branch to explain what the purpose of the check deposit was. The banker was telling me that I had a history of depositing money orders, but this was the first time in my life I had deposited any checks at TD bank. 

Later in the day i returned to the branch, and I provided all of the money order receipts for verification. I explained how I bought these money orders at the XXXX XXXX XXXX, using a debit card serviced by a XXXX. The fintech allows funding via a credit card, but the only method of withdrawal is spending via their debit card, hence the method of buying money orders as a means of withdrawal. When doing so, I followed all KYC requirements required by the XXXX when buying these. 

There are also simple methods of verifying the validity of the money orders, such as checking the serial numbers on the XXXX website. Instead of doing so, TD bank immediately panicked and went the route of potentially closing my account. 

I need these funds in order to close on a cash home purchase on XX/XX/XXXX, so I would really appreciate if my account was unfrozen.

Company response to consumer: Closed with non-monetary relief