vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got an email saying, " You have new alerts on XXXX '' from CapitalOne and when I checked it, I saw the fraud account opened in my name Account name CAPITAL ONE Account number - XXXX Account type - Business Card Responsibility- Individual Date opened - XX/XX/year> I immediately called the CapitalOne fraud team and informed them of this card being opened in my name even though I don't have a business. They said they would start an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-02 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant XXXX laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for this account is inaccurate and unverifiable. My payment history shows no record of late payments, as I have consistently made my payments on time. 
Additionally, the credit report does not specify a date for this alleged late payment. This lack of clarity violates the accuracy standards required under the FCRA. 
High Balance Discrepancy : The high balance for this account is reported as {$3000.00}, which conflicts with the actual account details. 
Violation of FCRA : These inaccuracies violate my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 
15 U.S. Code 1681s-2 : Mandates furnishers of information to provide accurate data. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Requested Resolution : I request that Equifax : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information regarding the date and evidence of the alleged late payment. If no evidence can be provided, I demand that the inaccurate entry be removed from my credit file. 
Correct all discrepancies, including the high balance and payment history, to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Lowes consumer credit card by Synchrony Bank has not been compliant to 12 CFR Part 1026.53 Allocation of payments. I noticed in XX/XX/XXXX that when I make a payment that covers the minimum payment plus the regular revolving balance, Synchrony Bank does not apply my payment to the entire highest interest rate amount and instead applies some or most of it to the highest deferred interest balance. This makes it so they charge me interest every time I make a payment to pay off my regular purchases made over the past month. When I called to have them fix my account, I was told repeatedly that if to want to choose how my payment is allocated I have to call them. I was continuing to have issues so spoke to a XXXX today XX/XX/XXXX to again fix my account and ask her why they are not complying with credit card laws and that I have XXXX other store cards with deferred interest and have never had any issues paying both the revolving and promotional plans with their payment options and that they usually have a value to pay to avoid interest making it that much easier to make sure you pay the appropriate amount. The XXXX I was speaking to said she didnt know anything about the credit card laws and that there is a way to change my payment method so that it pays the highest interest first. Unfortunately, I was unable to locate this option both in the Lowes app and on the Synchrony website. I informed her I could not locate it and she said she updated it for me. This remains to be seen as I can not find that option to verify it is truly an option. Even if it is an option that an operator is able to make, this process of payments is out of compliance with 12 CFR Part 1026.53 and they should be forced to change their system to align with all of the other store credit card companies who are compliant to ensure consumer know when they will be charged interest. I have plenty of statements to corroborate my statement and would be happy to share any information needed for this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard pull on TransUnion 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2025-01-02 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: FL

Complaint narrative:
I am filing a complaint against Experian for continuing to report fraudulent accounts on my credit report that resulted from identity theft. Despite submitting an FTC Identity Theft Affidavit to Experian, these accounts remain on my report, in violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

Issue Description : Fraudulent Accounts on Experian Report : My Experian credit report contains accounts that I did not open, which were a result of identity theft. These fraudulent accounts have already been deleted or corrected by XXXX and XXXX. However, Experian continues to report them inaccurately. 

Failure to Remove Fraudulent Accounts : I submitted an FTC Identity Theft Affidavit to Experian, yet they have failed to remove these fraudulent accounts. According to the FCRA, Experian was required to block these accounts within XXXX business days of receiving the affidavit. This legal obligation has not been met. 

Federal Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : This section mandates that credit reporting agencies block any fraudulent information within XXXX business days of receiving an FTC Identity Theft Affidavit. Experian has violated this provision by failing to timely remove the fraudulent accounts. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. By failing to delete the fraudulent accounts, Experian has violated this provision. 

XXXX Requested : Immediate Deletion of Fraudulent Accounts : I request that Experian immediately delete the fraudulent accounts from my credit report in compliance with the law. 
Written Confirmation of Deletion : I request written confirmation that these accounts have been removed and that my credit report now reflects accurate information. 
Prompt and Thorough Investigation : I request that Experian conduct a full investigation of the fraudulent accounts and take appropriate action to ensure they are properly blocked. 

The accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Documentation Attached : FTC Identity Theft Affidavit Copies of my credit reports from XXXX, and XXXX I request that this issue be resolved promptly. If this matter is not addressed, I will take further legal action. 

Thank you for your attention to this important matter.

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 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX Transworld Systems inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Violation of Rights and Request for Compliance with Federal Regulations To Whom It May Concern, I am writing to express my deep concern about the collection practices of transworld systeminc, which I believe are in violation of my rights under federal regulations. Specifically, I have identified several instances where XXXX XXXX XXXX has failed to comply with the following regulations : 1. 12 CFR 1006.34 ( d ) : This regulation mandates that debt XXXX must provide accurate and verifiable information in their communications. Despite my repeated requests for validation of the alleged debts, transworld system inc has failed to provide sufficient evidence to verify the validity of the debts being claimed, thereby violating this regulation. 

XXXX. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to be licensed and bonded. However, I have not been provided with any evidence that transworld system inc is compliant with this requirement, raising concerns about the legality of their collection activities. 

3. 15 USC s27a : This provision of the Fair Credit Reporting Act imposes obligations on debt collectors to provide accurate and up-to-date information regarding debts. I have reason to believe that transworld system inc has not been transparent in their reporting of the alleged debts, leading to further concerns about the accuracy of their claims. 

4. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation stipulates that debt collectors must adhere to certain standards when communicating with debtors. Despite my requests for validation and proper documentation, transworld system inc has engaged in aggressive and harassing communication tactics, which is a clear violation of this regulation. 

I demand that transworld system inc immediately cease all collection activities until they can provide valid verification of the debts and PURCHASE AGREEMENT between them and original creditor regarding account XXXX XXXX XXXX XXXXXXXX open date XXXX in question and demonstrate compliance with the aforementioned federal regulations. Failure to do so will result in further action to protect my rights under the law. 

I expect a prompt response from transworld system inc addressing these concerns and providing the necessary information to ensure compliance with federal regulations. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: WA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-02 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: Receivable Collection Services, LLC
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my consumer report and I noticed a collection on my consumer report. 

Account XXXX : XXXX Your company is in clear violation of the law. 
I am not liable for this debt with the Receivable Collection Services I do not have a contract with Receivable Collection Services.

Under USC 1692cXXXX XXXX XXXX XXXX XXXX XXXX the consumer refuses to pay a debt collection.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, failure to respond satisfactorily with the deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. 

I demand to see verifiable proof of the original consumer contract with my signature on it and yours, which is on file for the account listed below. 

Failure to positively verify these accounts has hindered my ability to credit. Delete this collection in the next 15 days. 

It has damaged my mode of living, and my character. 
Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I had a very difficult issue with Citibank NA, using their Instant Payment Transfer system. I usually pay my landlord via Instant Payment every month, and usually schedule it out so I don't need to think about it. On XX/XX/year>, I scheduled an Instant Payment to my landlord for {$2600.00} to be done on XX/XX/XXXX. I logged into my Citi account on XX/XX/XXXX, and realized the payment had not been sent. I then called Citibank. They could not find any record of the scheduled Instant Payment. I was then told, over the phone, to schedule an immediate payment of the same amount. This one went through right away. However, on XX/XX/XXXX, I suddenly received an email that my initial payment would be sent. Thus, the system took twice my amount of money. 

I proceeded to have XXXX various phone calls with Citibank in order to fix it. Each time, they simply sent it to their Dispute Center, and the Dispute Center determined it was *MY* responsibility, and thus I was out the money. There was no recognition that Citibank *directed* me to do this and thus should be responsible. They simply told me to spend my time and responsibility fixing the issue they had created.

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