vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I am being contacted by Midland credit management about a debt that I do not believe I owe. The account in question is for XXXX XXXX  account number XXXX for XXXX I am requesting debt validation and that I be sent the ORIGINAL CONTRACT for this supposed debt and also be sent the original amount that this debt was purchased for by Midland Credit Management and how much of a fee Midland Credit Management added to this account. By law can not be more than 20 % if this can not be provided I am requesting that this debt be immediately removed from all 3 credit bureaus. Also according to the state of Arkansas Midland Credit Management is not licensed to collect in the state. So I am also requesting proof that Midland Credit Management is licensed to collect debt in the state of Arkansas for one of it's residents or face possibly prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Im very displeased with Synchrony Rooms To Go credit card. I purchased my furniture in XXXX of XXXX, did 24 month interest fee promotion. My monthly payments are {$130.00} a month. I have MADE every payment ON-Time. I make my payment bi-weekly. As of XX/XX/XXXX I made my 1st bi-weekly payment {$69.00} in XXXX, and the remaining {$70.00} on XXXX. I called Synchrony on XXXX when it showed I hadnt made my XXXX. I was told they can see I made my payment on-time and not to worry, I will be fine. Well that wasnt true because on XXXX I was charged {$30.00} late fee. I called back on XXXX spoke to a Supervisor who stated they will remove it and I will be fine. On XX/XX/XXXX I called back because it still was showing up, Im continued to get emails, and phone calls. Today on XX/XX/XXXX I received a letter stating that my {$3000.00} credit limit has been reduced, AND my monthly payment went from {$130.00} to {$230.00}. There is no reason WHY my payment went up an EXTRA {$100.00}. I have UNTIL XX/XX/XXXX to pay the remaining balance of {$1800.00}. This is violation of FRCA.

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 2024-10-05 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/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls within XXXX XXXX  15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/2024 through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment for XX/XX/2024 was made on time, which falls within XXXX XXXX XXXX grace period. Therefore, the account should not have been reported as XXXX XXXX late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/2024 through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt : Inquiry on XX/XX/year>XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase in XX/XX/XXXX using my Care Credit Card which is part of Synchrony Bank. The promotion was XXXX interest for XXXX XXXX XXXX XXXX later in around XXXX or XXXX of XXXX The company then decided to charge me interest XXXX all the back interest from the entire previous year. Ultimately results in NO PROMOTION at all since they are asking I pay back the entire amount. This practice seems VERY unethical and now almost XXXX XXXX XXXX  later of paying this company I have the same balance. How is this even possible. It's so sad that we live in a country that we can not even meet our own needs thanks to companies that are so greedy and take advantage of everyday hard working Americans. I hope something is done and fast as I'm not even able to keep up and will soon be delinquent. Here is there website : 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 2024-10-05 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX. 

This is what occurred plus the additional information I provided back in XXXX of this year. I have been in the process of locating an attorney to pursue a lawsuit similar to the above due to the infringement of my rights as consumer, not to mention the attorney I did speak with told me that it was illegal to deny the claims of fraud and that the card based on evidence provided to the attorney was duplicated. The fraud was an inside job and the company refuses to do a thorough investigation ( did not know I could be in Texas and Georgia at the same time using the same card ).

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested the following : Please reimburse me for the damages casued on my frozen/blocked account inthe amount of {$360.00} for check no. XXXX and XXXX that were not honored by the bank when presented to the bank by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collector. I personally visited the Citi Bank in XXXX Ca on XX/XX/year> and requested to know if I could write checks on this account. The account had a fraud issue on account occurred by internal affairs of the bank approximately a year earlier. The XXXX XXXX XXXX assured me that my account was ok and it was ok to write check on tihs account. I presented XXXX XXXX with my physical check and asked her to verify this because the fraud issue occur about a year prior. XXXX XXXX indicated that it was find to write checks on account and I had funds readily available in the account. The checks were utitimately returned unpaid by the bank. The checks were for my property taxes. As a result, I had to pay a XXXX XXXX late payment penalty and {$50.00} for each bounce check to the tax collector. The total paid out resulting for this error was {$3000.00} plus {$0.00} for parking. My original payment for both checks was {$2600.00}. The late fee was {$260.00} and bounced check fees were {$100.00} and parking totaled {$0.00}. All losses total {$360.00}. See attached receipts. I requested reimbursement and the bank has refused to correspond in writing and only had the branch manager phone call me to saythat their manager is not allowing a response. I have not been reimbursed.

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 2024-10-05 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: FL

Complaint narrative:
i want to thank everyone for helping remove all of the fraudulent accounts from my report but these accounts came back to my report without any notice or letter or email or a call even thought o contacted them asking for contracts and signatures so i might get to the person that stole my information so in can sue them but instead they violate my rights and broke the law and attack my credit like it doesn't concern me and this is illegal they abused my credit and as of 15 U.S Code 1692g validation of debts and they violated my rights and this is Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose and this is the accounts and the tracking numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
i want to thank everyone for helping remove all of the fraudulent accounts from my report but these accounts came back to my report without any notice or letter or email or a call even thought o contacted them asking for contracts and signatures so i might get to the person that stole my information so in can sue them but instead they violate my rights and broke the law and attack my credit like it doesn't concern me and this is illegal they abused my credit and as of 15 U.S Code 1692g validation of debts and they violated my rights and this is Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose and this is the accounts and the tracking numbers. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2024 I asked Equifax to provide proof from the original creditor comed that this debt transworld system owns this debt and has the legal authority to collect it or delete this account. It's been over XXXX XXXX I have not seen anything yet. So please delete this account asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-10-05 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain credit

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 2024-10-06 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: TX

Complaint narrative:
Hi My name is XXXX XXXX. XXXX XXXX. I am in the middle of purchasing a home for my family. During the entire home buying process I noticed a cc only credit report. XXXX XXXXXXXX. It was old, no longer was reporting-. I advised to my financial advisor and my XXXX XXXX the card was not mine, I was told file a ftc. I did just that. The account was removed off my credit and my wife and I were s relieved. 

Two weeks went by, I paid off my bills and got my score tot he highest it ever was. I went to my mortgage team and right as we were generating my credit report they noticed the account that was once removed had just come back on. It was removed off XXXX and XXXX how ever it re appeared back on Experian. 



I am being treated unfair. XXXX stole our local towns mail they stole the monthly statements making it difficult to pay my bill. Stolen mail. As the head of my family and the provider, I was not focused on bills. I just make money and pay them. However my wife noticed for 2 months we had not gotten the statement which caused me to be late. As a curticy we asked they remove the lates and in return they removed the act. 

Although removing the act made my credit drop- ( ( due to history - the card made XXXX % oof my credit ) I still didn't make it a big deal because the 2 lates being removed was a goal of mine together the best mortgage for my family. 

XXXX XXXXXXXX not only removed the act, but after 2 weeks they ut it back on with the same lates like it was a new account. It dropped my credit from a 700 to 60XXXX which is not qualifying me for a mortgage. 15USC 1637 ( a ) ( a ) and 15 USC 1666 ( b ) was attached along with a ftc report- In addition to it not being my fault for 2 late payments due to theft I am active military- I am protected from any of negative reporting due to the military act- XXXX XXXX has violated my rights and I am hoping you can get this matter taken care of- Two late payments that was not my fault is unfair. Contributory negligence states a person has a % of fault. In this -- - I have no % of fault. I was the victim, I filed a report. I followed protocol. 

Please get this cap XXXX act removed in its entirely- if they can not update XXXX lateness. 
it appeared on my credit as XXXX 30 days ( XXXX ) 60 days ( XXXX ) 90 days ( XXXX ) XXXX 30 days ( XXXX ) 60 Days ( XXXX ) 90 Days ( XXXX ) Experian 30 Days ( XXXX ) 60 Days ( XXXX ) 90 days ( 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