vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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:
I have contacted credit bureaus to dispute XXXX accounts being reported without permissable purpose. That is a direct violation of my consumer rights and an infringement on my right to privacy. I have listed the US codes and the FCRA violations associated with this complaint. 

The XXXX unauthorized accounts are as follows : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX-Account Number : XXXX XXXX - Account Number XXXX XXXX The unauthorized reporting of these accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and several provisions of the United States Code. The FCRA violations include : 1. Section 1681b : Failure to obtain permissible purpose before accessing and reporting consumer credit information.

2. Section 1681e : Failure to maintain reasonable procedures to ensure the accuracy of information reported.

3. Section 1681s-2 : Failure to provide accurate information to consumers and credit reporting agencies.

4. Section 1681s-2 ( b ) : Failure to correct or delete inaccurate information after receiving notice of a dispute.

Furthermore, the unauthorized access and reporting of my credit information without permissible purpose violate the following United States Codes : 1. USC Title 15, Section 1681 : Congressional findings and statement of purpose.

2. USC Title 18, Section 1028 : Fraud and related activity in connection with identification documents, authentication features, and information.

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 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a contract with XXXX for a data plan intended for hotspot connectivity. The plan, which was data-only and did not involve any cell phone service, was initiated to provide internet access. Unfortunately, within the first 30 days of activation, the service failed to function leaving me unable to connect to the internet despite multiple attempts to troubleshoot the issue with XXXX 's technical support team. 

Despite my efforts to resolve the issue with XXXX on multiple occasions, the service remained unusable, prompting me to terminate the plan within the initial 2-3 months. However, upon termination, XXXX imposed an early cancellation fee, which I believe to be unjustifiable given that I never received the service I agreed to pay for. 
XXXX had a satisfaction policy that they did not adhere to. It was a part of our written agreement, my satisfaction was supposed to be guaranteed. 

Subsequently, the debt stemming from this early cancellation fee has been sold to multiple collection agencies. As a result, I have received correspondence from multiple entities within a short period, further complicating the matter. Attached, please find copies of the correspondence for your reference. 

I firmly believe that I should not be held responsible for a service that was never provided. The debt being pursued by XXXX and subsequently by collection agencies pertains to an early cancellation fee for a service that I did not receive and therefore should not be obligated to pay. This fraudulent practice is neither fair nor justifiable under the terms of our agreement or the FCRA. 

In the attachment below you will see an email that represents XXXX XXXX XXXX and True Accord but the consumer credit report entry for this debt references XXXX XXXX only. The Account represented in the attached pdf ( pages 2 and 3 ) below is connected to a True Accord account number listed in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: NC

Complaint narrative:
15 usc 1692c ( c ) collections Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
The companies are paid as agreed, but are still reporting on my credit. Im trying to purchase my current home before my rental lease is up and no longer have a house to call a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
these inquires are from creditors i dont know are do business with 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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc.
State: FL

Complaint narrative:
I had and account that was closed late 2023 and have not entered another contract or agreement with Self Lender, after noticing my account overdraft I checked to see that Self had withdrawn money from my checking account in XXXX and then when I called my banking institution they informed me that Self Lender had also taken money out the previous month. I called Self Lender on XX/XX/XXXX to inform them for them to say they have no information available, they ask me to send a screenshot of the transaction in which I did and XXXX with id # XXXX stated that he couldn't help me and that he would have to escalate this matter, then I expressed that I would like the email or phone number to corporate and XXXX then stated that he couldn't assist me. That's when I told him that I would make a complaint and he said fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Request for Removal of Late Payment Entry from Capital One Account Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding late payment entries on my Capital One account. As per the information available, I encountered financial hardship during the period in question, which led to the late payments on my account. 

Account Information : Account Number : XXXX Account Type : Credit Card Status : Open Date Opened : XXXX XXXX, 2018 Due to the financial challenges I was facing at that time, I regrettably missed XXXX payments on my Capital One account. However, I want to highlight that I have since rectified these late payments as soon as my financial situation improved. I can provide documentation to support this if required. 

I am reaching out to the Consumer Financial Protection Bureau for assistance in having these late payment entries removed from my Capital One account. I believe that given the circumstances surrounding my financial hardship at the time and my commitment to resolving the outstanding payments, this action would be just and fair. 

I kindly request your intervention in this matter to help me rectify my credit report and improve my financial standing. Your support in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an XXXX  and have had my business accounts with Chase for years ( business checking, savings, and client trust account ) as well as my personal account with Chase ( checking ). 

A few months ago, out of no where, Chase told me they were closing ALL accounts ( business and personal ) and would not tell me why or give me any opportunity to even know why. 

They further told me they cant telll me if or when theyll give me my funds. Its about XXXX in total. And its all the money I have to my name. 

So for months now I havent been able to pay any bills, or my mortgage. My house is going to be foreclosed on. My credit score ( which dad literally perfect ) has dropped like XXXX points. 

I get XXXX calls a day now from debt collectors. Im going to be XXXX. I was supposed to get married this year and now cant obviously. 

I did NOTHING to deserve this. Nothing illegal. Northing fraudulent. Im just at a total loss of what to do and at this point my life isnt even worth living. Theyve taken everything from me and for what?!!! 

They wont even tell me the reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
Experian 's response to CFPB complaint # XXXX did not answer my direct question as to why they chose to reduce my score by XXXX points based on a single credit card which has no credit limit and is paid off every month. In their response to my complaint, Experian pointed back to the creditor ( XXXX ) who responded that the card was paid in full and did not have any balance beyond the due payment 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Complaint Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccurate information on my credit report. Recently, I came across a listing from National Credit Adjust under account number XXXX, which indicates an overdue amount of {$110.00} as of XX/XX/2024, which I have no record of engaging with, nor have I signed any legal agreements with them. 

Despite my efforts to contact National Credit Adjust to rectify this error and have it removed from my credit report, they have been uncooperative. As a consumer, I believe I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), section 611 and I feel that my privacy rights have been violated in this instance. 

I respectfully request your assistance in investigating this matter further and ensuring the prompt removal of this erroneous entry from my credit report. Your intervention in this regard would be greatly appreciated. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
Montgomery wards credit did not clearly disclose that they would have a permanent minimum payment after a credit limit amount is reached and due to this high minimum monthly payment goes toward interest and the principle doesn't seem to be reducing. I haven't purchased anything for almost XXXX years and the principle seems to remain the same and I feel as if I'm being ripped off. I have closed the account and want my payments to reflect a reduction of the principle with my monthly payments particularly since the minimum monthly payment is so high. They just tell me it will be this high until the principle is paid in full. I want to know why more of this high monthly minimum is not paying down the principle when I'm not adding to the principle balance. I have a lot of credit and this is the only credit account that makes me feel like I am being ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is XXXX XXXX. I have account with Bank of America since 2021. On XXXX XXXX, Someone used my credit card at multiple locations. When I received alert from Bank of America, I denied charges and they blocked my card on my request Fraud case filed for fraud charges. After few days I received letter that case is closed and Bank of America decided that I used card personally at these stores. When I called Bank of America regarding claim, lady over there told me that I need to collect video proof from XXXX, XXXX XXXX for this claim to reverse these charges .I told her that how XXXX XXXX XXXX XXXX can give me video proof and she said that is your responsibility to get your money back. I went to XXXX XXXX, XXXX really XXXX and XXXX and they denied to give me any proof. They said they cant give any proof without police report. but during chatting with XXXX XXXX they told that card used by person name XXXX XXXX. I told Bank of America that I dont know this person. I also sent that conversation proof to Bank of America and also sent that I was at work at that time when card was used. I send my payroll hours to them as proof .No one listening to me. I am keep calling Bank of America everyday, no solution. So frustrating. Please help me to resolve this issue as soon as 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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I always pay my credit card bill in full every month. The billing period for my credit card statement ended on XX/XX/2024. Even though I paid my credit card statement in full and my payment posted on XX/XX/XXXX, I was still charged a {$29.00} late fee and {$9.00} interest. I contacted CitiBank and they agreed to waive the late fee but not the interest because they expected payment in full on XX/XX/XXXX which is XXXX  days before the end of the billing period. 

I don't think it is fair to charge interest when the outstanding balance is paid in full and posted before the end of the current billing period.

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally complain against Chase Bank for their failure to provide the requested U.S. mail certified receipt with my name and wet signature as evidence that they properly notified me about an alleged debt. This lack of proper documentation and failure to adhere to standard debt collection practices has caused significant confusion regarding legitimacy of the claim. 

I have requested formal proof of notification, specifically asking for the certified receipt bearing my name and wet signature, as is customary for such legal and financial matters, to ensure that the notification process adhered to proper protocols. 

My notification was requested through the CFPB on XX/XX/year>, complaint number XXXX. Despite my clear and reasonable requests, Chase Bank has failed to provide the requested proof, leaving the legitimacy of their debt claim in question. 

The bank 's inability to furnish requested documentation has not only impeded my ability to verify the validity of the alleged debt but has also caused undue stress and potential risk to my financial standing. 

I have attached the letter that Chase Bank uploaded to the CFPB on XX/XX/year>. 
Sincerely,

Company response to consumer: Closed with explanation