vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Debt Collector calling XXXX times daily Below Voicemail left on XX/XX/year> @ XXXX XXXX. 

Agent called XXXX times daily during work hours and never left a message and XXXX message left was threatening, intimidating and shaming me on family vm - threatening message below - XXXX XXXX XXXX I'm calling today from commenity Bank I have some information that needs to be addressed with either you Or a representing attorney today Now this information has now reached a higher level here at the bank In regards to Ulta , beauty rewards XXXX XXXX need to speak with you Or your attorney or I would be left with no choice, but to resolve this matter Do you have programs available to help? Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX option XXXX Call my extension XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this is in regards to Ulta beauty it is very important. I speak with you today. I do have programs available to help. But I can't help If you continue to ignore this matter in regards to Ulta beauty Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Option one Follow by extension XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: VA

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 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
IGNORING MY REPEATED REQUESTS AS FOLLOWS DESPITE SENDING MULTIPLE LETTERS : Inquiry from XXXXXXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXXXXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

XXXX from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a HELOC with Bank of America because of the economic meltdown of XXXX, XXXX, XXXX when I was a real estate agent and sold very few houses. We were required by Bank of America to have a checking account associated with the HELOC where payments to the HELOC came out of. We have bank accounts with other banks and didn't always keep the minimum amount in the required checking account and -- even though we continued to make payments to the HELOC on time -- we were charged {$25.00} per month for not having the minimum balance in the checking account. I estimate that we have been bilked XXXX  of dollars. I want it back!

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 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-08-22 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:
These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and XXXX days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-08-22 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: VA

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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: SD

Complaint narrative:
I was contacted by a woman offering me a installment loan after browsing for personal loans online. In the midst of creating a personal loan profile with her company she escalated me to another supervisor neither of which were American both sounding like they were from the same country. The issue was after I had given my account number and routing number the supervisor then asked me to provide very personal banking details. Those details were my banking username and password for my online banking. And I know it's common knowledge to never share those details with anyone over the phone and a real lender should never ask for those personal details. I immediately ended the call and I thought I should report them to you all I have for information is the phone number or which they contacted me and I had to directly contact them. That phone number was XXXX XXXX XXXX I also have a saved voice recording from a voicemail she left.

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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am living in XXXX XXXX and I purchased an XXXX XXXX business class ticket from here to XXXX in XXXX. When the purchase process navigated me to the payment page, an ad from Citibank for a Citi/AA Advantage Platinum Select World Elite Mastercard appeared . It offered me a {$250.00} flight credit for applying that minute and showed me the price of my ticket, the {$250.00} credit and the new price of the ticket. Since I could get {$250.00} off my ticket price I clicked, applied, and was approved right away ( account ending in XXXX ). Unfortunately, the approval page then stated that I could only use 10 % of the approved credit limit that day, meaning that I could not pay with the new credit card and not receive the {$250.00} card credit. I called regular customer service, and they could not help me. Of course, I could not wait to purchase the ticket until I got the actual card in the mail ( around a week ), as I would lose a very good price for my ticket. So I had no choice but to purchase the ticket with another credit card. 

It is unethical and bad business practice to create an ad that promises me - showing the accurate math - the advantages of applying for a product and then switching the terms after I've agreed to use the product.

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 2024-08-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
ON XX/XX/year> XXXX deposits were made from XXXX to the company. The Amounts were XXXX and XXXX for a total of XXXX, Money Network however never deposited the money into my account. After nearly a month of phone calls to XXXX and Money Network, they just wont give me the money from XXXX. I believe their goal is to tire me out until they can keep the money and I'm very close to it, but I'm going to be taxed as if I received this money, and this money could do a lot for my current financial woes. They send it to this team or that team then I call back and they have no idea what I'm talking about each time. XXXX says they sent the money and Money Network has the money, and just wont give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-22 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: UT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-22 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
SYNCB/AMAZONPLCC continues to list an account on all three credit reporting agencies. This account is being listed with a " Past Due '' balance of {$4200.00}. However, a XXXX was issued for the same account nullifying any balance on the account. As such, the account should have a {$0.00} balance. 

Furthermore, this account has made monthly payment summary listings with a Charge Off ( CO ) since XXXXXXXX XXXX XXXX This in turn illegally re-ages the account, thereby illegally extending the statute of limitation.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act.. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 
Account Name... XXXX XXXX XXXX ... .. Account # XXXX .... Account Name... XXXX XXXX .... Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX Account # XXXX .... Account Name ... XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX .... Account Name XXXX XXXX XXXX .... Account # XXXX ... 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 an account without my written instructions...

15 u.s.c. 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
CFPB has looked into this before, a previous complaint filed. After CFPB contacted Exeter Finance, things were Ok for 3 months. But now the same thing is happening. If I try to pay early- the payment does not reflect as such, and delays invariably take place. It is almost as if they want to just charge late fees. 

By the way- the late fees compound daily. Which I think is unfair and illegal. 

Please help me get straight with Exeter so this nonsense stops.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( please remove this account before I seek litigation for defamation of character )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 2024-08-22 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation