vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-08-08 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern.. 

It is of utmost importance for the creditor to comply with each parameter established by the XXXXair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates. 

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Navy Federal Credit Union, Per the FCRA as a federally protected consumer, I am now exercising to my right to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party immediately and indefinitely ( XXXX, XXXX, XXXX XX/XX/XXXXXXXX, XXXX warning services ), as allowed under the provisions of the Gramm-Leach-Bailey Act., and 16 CFR 313.7 I am exercising my right to opt-out of any such disclosures. Please be advised the ability to opt-out applies to your company according to 16 CFR 433.3 and 16 CFR 433.2. 

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. I value the services provided by Navy Federal Credit Union and trust that my privacy preferences will be respected. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MD

Complaint narrative:
My information was a part of a data breach from Cash App causing denial & marketing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Yesterday, XX/XX/XXXX, I received email notification from Synchrony Bank that the terms for my XXXX Credit Card account had changed. I was directed to access my most recent account statement. Upon checking the statement, I learned that the company was raising the APR for new purchases on my account by nearly 10 %. The same evening, I reached out to the creditor through a messaging system in the XXXX app to request confirmation of what I believed I was seeing and an explanation for the action. Today, XX/XX/XXXX, I received confirmation from the company that the APR was increasing, with the excuse of " the changing market and regulatory conditions have cause the APRs we use to calculate interest to rise. '' In my opinion, this is a non-answer. I acknowledge that my creditors have the right to change account terms throughout the life of my account. I further acknowledge that the market and changing rules/laws can influence these changes. However, I firmly believe that it is the responsibility of the creditor to deal with the market and rule/law changes. Raising my APR by nearly 10 % is a grossly unwarranted and unfair solution that borders on usury, at least from a moral standpoint. According to the most recent account statement, the creditor stands to make up to nearly triple my current balance in interest at present. The action that Synchrony Bank has elected to take may not be unlawful, but is seemingly predatory. I humbly request that the CFPB assist in facilitating a fair solution.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank
State: TX

Complaint narrative:
There is a First progress card that is card fraud on my credit account. I have notified them more than once and spoke with rep that to a representative me I was stuck the problem. There was no one to assist me with the card fraud. Or give me the statements so I can handle the card fraud myself. I have the right to the statements for an account I have never had. 

XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My credit report is showing a charged-off account by Victoria Secret XXXX This account should not be negatively impacting my credit. The account number is XXXX this account was a charge card, not only is this considered tax fraud I am requesting a 1099c form that was supposed to be issued to me VIA mail which I never received to make sure they are in compliance they are also violating FCRA 15 USC 1681eb for reporting information that is not XX/XX/XXXX percent accurate. Reporting a charge-off account must align with permissible purposes, if the account is being reported without meeting the guidelines that fall under 15 US CODE 1681b it must be removed immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the XXXX XXXX XXXX. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates.

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.

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 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates. 

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.

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 2024-08-08 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: CA

Complaint narrative:
In my recent complaint to XXXX about the incorrect information, specifically my name and address, and the fraudulent furnishings on my credit profile. I have already sent them my correct information twice, and yet they are sending me another request for such documents, which i have already sent to them, which i will enclose evidence of certified mail and the information i sent. 

This is really damaging to my well being, cause undue stress for me, and defamation of my character, which are grounds for compensation by legal means, which now i will not hesitate to hire a lawyer to defend 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 2024-08-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In my recent complaint to XXXX about the incorrect information, specifically my name and address, and the fraudulent furnishings on my credit profile. I have already sent them my correct information twice, and yet they are sending me another request for such documents, which i have already sent to them, which i will enclose evidence of certified mail and the information i sent. 

This is really damaging to my well being, cause undue stress for me, and defamation of my character, which are grounds for compensation by legal means, which now i will not hesitate to hire a lawyer to defend 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 explanation
Consumer complaint received 2024-08-08 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One saying a transaction of {$2400.00} was denied because of insufficient funds. I immediately called my bank to complain and find out who was trying to illegally withdraw funds out of my account so I could file a police report, but they would not pursue or give me that information. They just told me Capital One tried to withdraw the money for a credit card payment. They then transferred me to different departments and no one could resolve my issue or Id have to start from scratch. 

This same issue happened on XX/XX/XXXX when someone tried to take {$3800.00} successfully and I was able to eventually get it back, but no one was pursued for this illegal activity as it obviously happened again and I feel this will just keep continuing to happen unless someone gets the information from Capital One of who was trying to take my money out. 

Capital One knows that it was someone with a Capital One credit card trying to illegally use my Capital One bank account info to pay off their credit card. I dont understand why it is so hard for Capital One to report this person to the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo is sending us letters every other day, phone calls every day. Enough is Enough. Please advise me on what attorney you all have used. I would appreciate it very much. Wells Fargo always say they are still working on it and no results yet. Please help me to sue Wells Fargo? XXXX XXXX filed Bankruptcy because XXXX can not continue to be harassed by Wells Fargo for something she did do. XXXX is under XXXX doctors now. All we need now is to clear XXXX XXXX XXXX name. XXXX XXXX, XXXX did not do it either. We know Wells Fargo is not going to do anything. Wells Fargo is proving it to us and to you all. 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 explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. Account name : COLLECTION Account number : XXXX Account name : COLLECTION Account number : 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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I used my XXXX bank account to send money to BANK of America Visa credit card in the amount of XXXX. The problem is I accidently sent it to XXXX Credit card account which didn't have a balance on it. The payment should have gone to my Visa credit balance. So, I called Bank of America and was told that it would be no problem the money could be sent back to XXXX. This happened XX/XX/year>. I have called BANK Of America multiple times over the past 4 months and have been told that the money was sent back, the money will be held by BOA for two billing cycles and then sent back to XXXX. I even had XXXX do a dispute to look for the money and they determined that the money had not been sent to them. I am not sure what else to do. I am being told by BOA that they will have to take another two billing cycles to investigate the problem. If someone could please assist me with this I would be grateful. I did send a letter to the main business office and have not heard anything.

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