vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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: MS

Complaint narrative:
No Contrac was signed and my Idenity was stolen to open these 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 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX for my daughter for {$4700.00} from XXXX XXXX XXXX, XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. The orthodontist sent me to the financial manager of the facility to help me with a financial plan. 
The dental manager steered me to Care Credit, assuring me I could use their no-interest installment plan. I accepted Care Credits financing and have diligently made monthly payments since XX/XX/XXXX. 
On XX/XX/XXXX, my remaining balance was {$700.00}, indicating that I had paid them XXXX. Since XX/XX/XXXX, I have paid an additional {$1100.00} for a total payout to Care Credit of {$5200.00}. However, I have just been told by Care Credit that on XX/XX/XXXX, without my notice, the balance due increased to {$2600.00} and I have been assessed a 26.99 % annual interest rate and my balance due is now {$2100.00}. 
When I spoke with Care Credits representative earlier today, I was informed that the interest-free period was promotional and lasted only XXXX years, after which interest charges applied. This crucial detail was not communicated to me by the dental manager, who only mentioned the interest-free aspect. In short, I was defrauded into Care Credits financing scheme. 
I would like the CFBP to compel XXXX XXXX XXXX  and their doctors, as well as Care Credit to recognize my debt to them has been fully paid, to refund the overcharges Care Credit has assessed me, to close my account with them without any additional payments from me, and finally, to stop these predatory loans and the deceptive practice of selling them to unsuspecting dental patients.

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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
See letter. 

Wells fargo continues to not address any statements or evidence presented in this letter. The only thing they did respond to is their employee telling me that any losses on credit cards are a tax write off for Wells Fargo. If all calls between my phone ( XXXX XXXX XXXX ) and theirs are listened to that conversation will absolutely be heard. They are either lying, inadequately researching the problem, or deleted the conversation.

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 2024-07-08 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-07-08 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-07-08 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 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 non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Wells Fargo Bank for discriminatory practices and the unjustified suspension of my account. I have been a loyal customer of Wells Fargo since XXXX and a XXXX citizen since XXXX. 

On XX/XX/XXXX, I received a letter from Wells Fargo stating that my account would be suspended if I did not fill out a declaration form affirming that I do not live in XXXX and am not a part of the XXXX government. Despite finding this request discriminatory and targeting my ethnicity, I complied with the bank 's demands. I filled out the form and submitted it both in person at my local branch and online through the bank 's official website. 

However, as of XX/XX/XXXX, Wells Fargo has suspended all activity on my account. This suspension has caused significant financial hardship. I have become late on my mortgage payment, gas and electricity bills, and credit card payments due to my inability to access my own funds. This sort of discrimination is unbecoming of an institution like Wells Fargo, which should uphold principles of equality and fairness. 

I believe that I have been unfairly targeted based on my ethnicity and that Wells Fargo 's actions are discriminatory and in violation of federal regulations. I request the CFPB to investigate this matter promptly and take appropriate action to ensure that such discriminatory practices are not permitted to continue. 

Thank you for your attention to this serious 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 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1st I called them as to why I wasnt getting any statements in XXXX of 2023 and the told me I was paid off I said that wasnt true I still owed approx XXXX. They would not allow any payments. I was no longer getting any statements. About 4 months later Bloomingdales reported me to the credit bureau without every resolving the problem or sending statements. As far as theyll were concern, I didnt owe anything. I wasnt too happy about it, complained and they denied everything. I was later allowed to start paying the money that I owed. I was bothered that they reported me after not allowing me to pay what I owed, in the 1 st place. so I closed the account. I am paying with a current balance of {$5300.00}. Last week out of nowhere the added {$5000.00} and cant give me an explanation as to why my balance is now {$10000.00}.

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 2024-07-08 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: FL

Complaint narrative:
When reviewing my credit report, I noticed a new credit card account was opened fraudulently XX/XX/year>. I reached out to the credit burea ( trans union ) who told me I needed to file a report with the FTC in order for them to be able to take action. I also reached out to the credit card company ( Current ) who told me they could not give me any information but the fraud department would email me within a few days. Let me know what other information you need. 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 2024-07-08 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: Experian Information Solutions Inc.
State: OH

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 :

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
After reviewing my EWS report I notice a chase account I am not familiar with. I notice a XXXX XXXX XXXX XXXX account that I do not have access to. Please find attached the letter of me sending to EWS requesting validation in which I did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
account name # XXXXXXXX account number # XXXX XXXXXXXX account name # XXXX account number # XXXX account name # XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX account number # XXXX violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( XXXX ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: OH

Complaint narrative:
I was XXXX  separated from the military in a very quick manner. I had known i was leaving and communicated that to the housing office on the military installation, known as XXXX military housing. The original creditor listed is XXXX XXXX  which is the park i lived in. Since then it would seem XXXX military housing is no longer a company. They claim there was a remaining balance on for rent from XXXX, plus are attempting to charge for XXXX in which i was already gone. They say it was due to the lack of a 30 day notice, this was because they would not accept a notice without my orders to separate. I received my orders 2 days before my separation date in which my pay would he cut off as of XX/XX/XXXX. They had been informed that i was leaving prior to that but would not accept the notice due to lack of orders. On top of this they are attempting to collect money for the electricity conservation program that has been thrown out due to the housing companies ripping off service members. On top of that i have attempted to get in contact with the debt collection agency through phone and e-mail without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: OH

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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: NY

Complaint narrative:
My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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. 


XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Our bank, Capital One, has lost all our biller data, cancelled all payments to our billers. We are unable to see or access our account transaction history, so we do not know what our balance is, or was. We have bills that have already gone unpaid, and others that will be unpaid. Our county water, real estate, our car insurance, and other bills have gone unpaid - we wouldn't have known this if we hadn't logged into the account on XX/XX/XXXX to deposit a small check. 

We called customer service, and our local branch today, and have recordings of both calls. We were told that the bank changed vendors for their bill payment program, and that all data was supposed to have been migrated, but did not for many accounts. They told us that they cancelled all our payments. Cancelled all future payments! Without asking us! Or even alerting us! We would never have known had we not logged on just before the holiday! 

There was no Capital One customer service the following day - XX/XX/XXXX - or for the following XXXX days afterwards. So no customer service from Wednesday to the following Monday. XXXX days during which our payments have gone unpaid but we don't know which, and we can not see or check our account balance, or what is affecting our balance. Everything was automated- even backups were automated. We can not access or see any of this data. 

They have created a " ticket, '' and referred it to their IT department. The customer service representative is not permitted to give his full name, only his employee number. There is no one above him to speak to - his supervisor does not take calls. This rep 's title is " Account Supervisor at Small Business Banking. '' He is not permitted to send us email confirmation of our call. He would not give us a timeframe for when the issue might be resolved, if at all. 

Can you help us?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TX

Complaint narrative:
I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a XXXX  under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief