vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Capital One Banks failure to properly handle my dispute in accordance with consumer protection standards. This matter is particularly troubling as I have exhausted all avenues provided by the bank, yet the issue remains unresolved. 

On XXXX/XXXX/2024 I initiated a dispute regarding a transaction from XXXX/XXXX/2024 for {$100.00} I provided all required documentation, including emails, or other relevant proofs and followed all instructions as outlined in Capital Ones dispute resolution process.

However, the merchant failed to provide me with a receipt or proof of purchase, despite multiple requests. This lack of documentation has created significant challenges in resolving my dispute. 

Without a receipt, my ability to validate my claim with XXXX XXXX has been unfairly limited, even though I acted in good faith.The merchants negligence in providing a receipt has denied me access to my rights as a consumer to document and dispute charges. I have spent considerable time and effort trying to resolve this issue, leading to frustration and unnecessary stress. 

The burden of proof has been placed entirely on me, despite the merchants failure to fulfill their obligation of providing a receipt. Capital One has disregarded the circumstances and denied my claim without investigating the merchants accountability. I followed the dispute process and provided all other relevant information ( e.g., order confirmation, emails, screenshots, yet my claim was denied due to circumstances beyond my control.

However, despite my compliance, the dispute was mishandled in the following ways : 1. Failure to Conduct a Proper Investigation : Capital One did not adequately review the evidence I provided, resulting in a denial of my claim without reasonable explanation.

2. Unreasonable Delays : The dispute process has exceeded the timeframe stipulated under federal regulations, with minimal communication or updates from the bank.

3. Failure to Comply with Consumer Protection Laws : It appears Capital One did not adhere to its obligations under the Fair Credit Billing Act ( FCBA ) or other relevant consumer protection laws to ensure a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Requesting proof of ownership on the account as my phone has been compromised and sim swapping and someone had control over all passwords and all fanacial information including ssn number to access all account s and to be able to use them without my knowledge

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Requesting proof of ownership on the account as my phone has been compromised and sim swapping and someone had control over all passwords and all fanacial information including ssn number to access all account s and to be able to use them without my knowledge

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
Requesting proof of ownership on the account as my phone has been compromised and sim swapping and someone had control over all passwords and all fanacial information including ssn number to access all account s and to be able to use them without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my report, I have identified multiple errors, discrepancies, and unfamiliar accounts. The volume of negative items reported against my credit speaks to the inaccuracy of the information being provided.

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 2025-01-09 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: FL

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 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 2025-01-09 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: FL

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 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 2025-01-09 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted Ally Bank regarding the freezing of my account with {$12000.00} USD. Over the course of eight separate calls, I was transferred to the fraud department, where I was informed that the matter would be " investigated. '' Despite my repeated efforts, I have not been provided with a specific reason for the account freeze, a timeline for resolution, or any ticket or case reference information. Additionally, I have encountered excessive wait times of 12 hours per call, which has made this process even more frustrating. 

This prolonged freeze has caused significant financial hardship, as I am unable to access my funds to meet essential obligations. The lack of communication and transparency in addressing this matter is unacceptable. 

I am requesting an immediate resolution, including a clear explanation for the freeze, a definitive timeline for resolution, and the prompt disbursement of funds as per my previous request.

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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Thank you for accepting this complaint. I have a " Paypal Working Capital '' revolving line of credit with Paypal : ( Synchrony Bank / PayPal Credit ) XXXX XXXX XXXX XXXX PA XXXX I've noticed their late fees are unusually high. My minimum payment of {$41.00} was due on XX/XX/year>. I made my payment today on XX/XX/year> and I was charged a {$41.00} late fee on XX/XX/year>. Is a late fee as high as the minimum payment legal? I was under the impression that there was a federally mandated legal limit to late fees. If late fees are as high as the minimum payment amount how is a consumer ever going to get out of debt when short periods elapse between due dates and payments? When I inquired about a fee versal I was told this was not possible.

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 2025-01-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have informed this company several times that they are furnishing inaccurate and incomplete information to my report. Company has failed to verify the SSN used to make these accounts & inquiries. 


Hey Mr Credit Bureaus I Was Looking At My Credit Report And This Account Looks Weird To Me The Last Date Of Activity The Last Date Of Payment The Account Number The Account Balance Everything On This Credit Item On My Credit Report Looks To Be Incorrect Can You Please Delete This Item For My Credit Report Because It'S Not Accurate And It Is Not Complete I Greatly Appreciate 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 2025-01-10 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/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. 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!

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 2025-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I paid the entire XXXX off back in XXXX or XXXX. After it was paid off i started receiving collection calls and e-mails asking why i failed to make additional payments. after my first call it was discovered they put a hold on the account marking the XXXX as {$.00} which forced me to call to gain an understanding. they then informed me i needed to pay a fee to close the account and sent me instructions detailing the fee of ~ {$32.00} which needed to be paid via wire along with the details needed to be included in the memo to correctly apply the payment. 

I paid the fee via wire and included the appropriate account information. shortly thereafter i began receiving additional calls for collection. perplexed i called and spoke with a customer service agent who informed me that Shellpoint incorrectly applied the payment and they were showing partial payment on their end as well as the XXXX of {$.00}. The agent told me they submitted a ticket and the matter would be resolved. weeks later and i received additional calls for collection. i called no less than 5 times trying to resolve the issue- each time the agent told me they escalated the issue and submitted a ticket. 

most recently i received a letter informing me that my loan is in default to do lack of payment. Frustrated, i called i asked to speak with a supervisor, i was connected to XXXX XXXX who verbally communicated that i can ignore the letter of default. she agreed the system was not correctly applying the payment and the matter would be resolved. 

Yesterday ( XXXX ) i received another collection call and today i received yet another email inquiring about my " financial hardship ''. 

at this point i am repeatedly being harassed. As a consumer i am both confused and this is causing me mental anguish and harm. 

i satisfied this loan and owe Shellpoint nothing. Their supervisor, on a recorded conversation informed me as much, yet the harassment continues. 

I need Shellpoint to stop harrasing me and to correct their records to accurately reflect this loan as being satisfied. Also, as i submitted in a qualified written request, i need this account to be closed as i have no desire to ever conduct business with this organization in the future.

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 2025-01-10 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
Im deeply concerned about the recurring errors on my report that continue to harm my score and limit my future opportunities. Seeing these mistakes time and again is frustrating and disheartening, especially when they are out of my control. Its unfair that Im being penalized for inaccuracies that shouldnt even be there. These errors are affecting my financial health and my ability to grow.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Home was sold and mortgage paid off XX/XX/XXXX. 
Release of mortgage received XX/XX/XXXX. 
Bureaus still reflect an outstanding balance on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation