vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I paid my balance off in full on XX/XX/year>, prior to the closing of monthly statement on XX/XX/year>. I was told the statement closes on XX/XX/XXXX, but actually closes on XX/XX/XXXX. Despite having paid it in full prior to the close of the statement, they are charging me interest in the amount of {$150.00}. I have called numerous times and requested the policy by which this is permitted and I am repeatedly told they had to see I am making monthly payments and that I had to pay in full prior to XX/XX/XXXX, which I clearly did. They will not take the charge off the account and told me I have to pay it. They hung up on me when I repeatedly asked for information on how this is permissible and their policy that directs it. My payment is due on the XXXX and they say I have to pay it, despite me not receiving anything that permits them to charge interest after it is paid in full. 

My statements have only ever said APR on the bottom and have never reflected an interest on balances that do not exist or would otherwise make me responsible for interest accruing despite me having paid in full. 

Additionally, the terms outlined in the statement demonstrate that " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month. '' Therefore, if the due closes at least 23 days after the closing of the billing cycle, which i was told was the XXXX of the month. I paid before XX/XX/XXXX and therefore, by their own terms they can not charge me interest when paid in full pursuant to their own terms.

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 2024-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2024-04-30 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of 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 2024-04-30 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: SC

Complaint narrative:
I am not liable for this debt of {$590.00} with XXXX XXXX XXXX Account Number XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I rented a storage. i went to XXXX the storage sold all of my stuff my kids clothes, my family pictures. then they sold the account to a collection agency and the agency is reporting to my credit. The debt is already paid with them auctioning off my entire life.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My vehicle was broken into, my phone and wallet were stolen. The perpetrator accessed my phone, bank account and made a string of unauthorized actions. A dispute claim was filed with Bank of America on XX/XX/24 for {$180000.00}. A decision was made in less than XXXX hours. I filed for a reconsideration once my police report was finalized. My dispute has been open for more than XXXX business, I've not received any new information, no credit. I contacted Bank of America today, on XX/XX/24 with no updates. Every single associate I've spoken with has told me different information or no information at all.

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 2024-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
I paid a bill on XX/XX/XXXX to a medical company. 
I received a statement to an old address for the same amount from this collections agency on XX/XX/XXXX. 
I called the agency to dispute the debt and the only way to resolve is to send via paper mail proof of my payment. Keep in mind this was 2 years ago. 
I called the medical company and they have my account closed out and paid. They also do not recognize this collections agency at all as they use another company. This looks like it is a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-04-30 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: SC

Complaint narrative:
I am not liable for this debt of {$590.00} with XXXX XXXX XXXX Account Number XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification.

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 2024-04-30 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: SC

Complaint narrative:
I am not liable for this debt of {$590.00} with XXXX XXXX XXXX Account Number XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not recognize these inquiries and accounts and I asked for them to be removed and the credit bureaus didn't do ask i asked. I'm attaching a copy of the ftc report that i filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of 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 non-monetary relief
Consumer complaint received 2024-04-30 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: SC

Complaint narrative:
I have an account from 2016 from XXXX XXXX showing charged off. The account was paid in full. I currently have service with XXXXXXXX XXXX. I called they and said they would remove it. After some time I called again and they told me to file a dispute with credit bureau which I have done. How can an account be paid in full and charged off. My credit is perfect other than this XXXX XXXX XXXX account that should not be on my report. Please help me and have them remove this item. 

Thank you, 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the USC 1681 I DID NOT ALLOW OR AUTHORIZE THE REPORTING OFFICES INQUIRES : 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 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 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 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 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 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 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 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 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 2024-04-30 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: OH

Complaint narrative:
Recently I looked at a copy of my credit report an noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these Items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX ACCOUNT # XXXX, AN ALSO XXXX XXXX Account # 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 2024-04-30 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX/BRIDGECREST ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXX XXXX but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the XXXX separate reportings on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.

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 2024-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Illegal Closure of Spending Account Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Division, I am writing to file a formal complaint against robinhood regarding the illegal and unnecessary closure of my spending account without any explanation provided. This action appears to be retaliatory in nature, following a previous complaint I filed and information I provided that led to an open case with your agency. 

Despite my repeated attempts to address and rectify the issues with my account, I have received no satisfactory resolution from robinhood. Furthermore, I believe my rights as a consumer have been violated, and I am seeking justice for the fraudulent actions that have had a significant impact on my life. 

The closure of my spending account was abrupt and without warning, leaving me without access to my funds and disrupting my financial stability. The lack of explanation for this closure raises serious concerns about the legality and transparency of robinhood 's actions. 

Moreover, I suspect that this closure may be a form of retaliation for my previous complaints and the information I provided to the CFPB, which resulted in an open case. And institutions deregistering from arbitration data base which I have proof in XXXX  letter!! to avoid the claims I have presented with the hard evidence me and my private attorneys hold!! Despite providing concrete evidence of fraudulent activities by nfcu and creditor bank ], I have not received any remedy or corrective action. 

I have diligently kept records of all communications, transactions, and documentation related to my account, which serve as evidence of the fraudulent practices with all recent institutions. I am prepared to provide these documents to support my claims and seek justice for the harm caused to me as a consumer. 

As a victim of financial fraud and misconduct, I am requesting that the CFPB take every necessary action to investigate this matter thoroughly and hold Robinhood accountable for their unlawful actions. I also urge the CFPB to ensure that appropriate remedies are provided to me and that measures are taken to prevent such injustices from occurring to other consumers in the future. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to address the egregious conduct of robinhood and the other fraudulent actions of the institutions and provide me with the justice and restitution I rightfully deserve. 

Sincerely, XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation