vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been having the following issues with Regions XXXX XXXX XXXX Credit Card. 
XXXX. Earlier in XXXX I was not receiving notification of my statements. Regions indicated that they had emailed the statements, but there was no email in my inbox or spam regarding statement notifications. There were emails with advertisements from them, so that had my correct email. 
XXXX. I switched to paper statements to avoid the problem in mid XXXX, specifically to get notified of the monthly statements. Upon making this switch I was denied online access to my statements. 
XXXX. I pleaded with Regions to give me back access to online statements, but they refused, and indicated that I could only have online statements or paper statements not both. 
XXXX. There were a few months XXXX and XXXX whereby I did not receive paper statements and incurred late fees and interest again. I had no paper or online statements. 
XXXX. I believe that Regions is doing this as a routine practice to get late fees and interest. On today XX/XX/XXXX a supervisor explained to me that Regions does not want to send paper statements because of the expense. 
XXXX. My account number was changed today, and there is a payment that is due by XX/XX/XXXX. This payment is just for late fees and interest because of the issues explained above. I am unable to make this payment because I dont have the new account number, which Regions claims that they can only mail to me. They can't give it to me over the phone, and I have been denied online access.

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 2024-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have a bill of XXXX from an insurance claim by National/XXXX XXXX XXXX. This was paid in full in XXXX. National even shows that all the way back in XXXX it was paid but creditor is still going after me. Also, the incident happened in XXXX so this was not a case that the file was already in collections. It was placed into collections after I paid the amount in full. 

I have attached the credit card receipt of payment. The XXXXnational receipt of payment and the proof that I sent the receipt to national as requested. I also have included one of the many TSI emails I have received which I thought was spam until I saw the amount matched the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: MS

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 USC 1681.

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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-12-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There are several discrepancies on the report that require correction. 
Equifax Report : * Duplicate Accounts : The report lists two XXXX XXXX credit cards. This is an error. There should only be one XXXX XXXX credit card listed on my report. 
* Inaccurate Account Status : The report lists the XXXX XXXX loan as both closed and open. Please correct this inconsistency. 
* Charge-Off Status : All five accounts ( including the duplicate XXXX XXXX credit card ) are listed as charged off. While some of these accounts may be charged off, I have not received a 1099 form for any of them. Please investigate the accuracy of these charge-off statuses. 
XXXX Report : * Number of Closed Accounts : The report lists five closed accounts. Please verify the accuracy of this number. 
* Charge-Off Status : All five accounts are listed as charged off. Similar to the Equifax report, I have not received a 1099 form for any of these accounts. Please investigate the accuracy of these charge-off statuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX unauthorized charges from XXXX occurred on my account on XX/XX/year>. XXXX for {$1800.00}, {$1700.00}, {$1000.00}. Wells Fargo denied my claim after saying they would issue me a provisional credit and can not give me a reason on why they are denying my claim.

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 2024-12-26 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: TX

Complaint narrative:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
on XX/XX/XXXX I accepted and XXXX XXXX promotional offer from my credit card RCI Elite Rewards mastercard from BARCLAYcardus. They offered my an interest rate of 8.99 % for 18 months on my {$4600.00} balance at the moment. My minimum payment on this transaction was {$270.00} each month. I have been paying {$280.00} but I still see interest charge on purchases every month. 
I paid interest on XX/XX/XXXX {$14.00} XX/XX/XXXX {$32.00} XX/XX/XXXX {$31.00} XX/XX/XXXX {$28.00} I have not used the card again since XXXX because I just want to keep paying this esay pay agreement. Are they supposed to charge me this amount monthly on interest? I thought interest was already being charge on my monthly easy payment. Their math is very confusing when I talked to them when I decided to take the easy pay they told me my only monthly debt with them was {$270.00} but I'm been charge more that {$30.00} a month in interest. This is illegal to lie to your customers and take advantage from us. 

Please help Thanks 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. XXXXmmediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
i applied for a XXXX {$10000.00} personal Loan with Sofi Bank online during the week of XX/XX/year> on XX/XX/year> i recived a unable to approve email letter from Sofi Bank during the week of XX/XX/year> thru my app i recived approval for my loan online from Sofi Bank XXXX XXXX XXXXXXXX XXXX very high rates i did not like but accepted the XXXX page aggrement they told me they called the Sofi customer support about the rates but they needed my banks information account numbers and routing numbers of my bank to send the loan funds to me. i complained about their process after the fact that i had already provided that information but they said they needed it so they had a resolution person email me regarding the information needed to verify my bank and my banking account and routing numbers this process of my banking information contiued for several weeks in XXXX so I requested my XXXX be Cancelled or declined because i felt i was being used just to get my banking information the process did not and still feels unreal. 
Since this initial start i have called Sofi Bank Customer Support about the status of my loan over XXXX times just to hear them tell me they need my bank information which i provided and or i had to open a Sofi Bank account no one could tell me about when i would recived my loan funds to my bank but yet they wanted me to send a payment to them on XX/XX/year> the first installment of a loan funds i or my bank has not recived to date. As of XX/XX/year> i have been reiving emails about being pass due and i have revied calls from Sofi regarding the loan funds that i have never recived this has been a Nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I contacted this debt collector multiple times to dispute this. 

They have failed to verify this debt and remove off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> at XXXX XXXX  Equifax recieved a certified and notarized dispute letter from myself disputing several items for violation of 15 U.S. Code 1681 e ( b ) with absolute details of contradicting and inaccurate information on such accounts. My legal name and current address and account numbers were listed in this document as well. On XX/XX/year> I received a letter from Equifax dated XX/XX/year> stating " We were unable to locate your credit profile in our database with the identification information you provided, In order to further assist you, we will need additional documents to verify your identification. '' Under Illinois Law ( 5 ILCS 312/ ) Illinois Notary Public Act the verification of my identity was confirmed and verified under a " Notarial Act '' as authorized by a State of Illinois Notary Public . Furthermore this dispute was not addressed nor satisfied within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One offered a swith on its app for customers who now had XXXX of the same credit card through the loss of XXXX XXXXCapOne credit agreement. The app stated no hard credit check since the cr limit would remain the same. The app gave options for other Cap 1 cards I selected one and hit submit. Then I immediately get an alert that I have a new cr card alert. I follow up with Cap One and they say I applied for new credit. Their app is the problem. There is no way I should be dinged for new credit if the action began with trying to so the no credit risk switch. This can not be the first time this has happened. Their system doesn't give warnings that you have moved from XXXX action to another. This is fraudulent at best

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today XX/XX/year> I Contacted The Credit Reporting Agencies & Tried To Work With all 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.

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 2024-12-26 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-26 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: VA

Complaint narrative:
I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX XXXX issued by a recognized XXXX certifying my status as a XXXX XXXX as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.

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 2024-12-26 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: VA

Complaint narrative:
I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX ) issued by a recognized XXXX certifying my status as a XXXX XXXX, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report serious issues with Crypto.coms target price order feature that constitutes unfair and deceptive practices in financial services. 

Issue Description The platforms target price order feature consistently fails to execute trades as advertised. Support staff eventually admitted orders are not 100 % guaranteed to execute due to liquidity issues - a critical limitation that was not prominently disclosed during order placement. 
Specific Orders and Losses On XX/XX/year>, I placed the following orders that failed to execute despite reaching target prices : XXXX ( XXXXXXXX XXXX XXXX Orders XXXXXXXX XXXX  at XXXX XXXX ( value : XXXX XXXX ) XXXX XXXX at XXXX XXXX XXXX ( XXXX ) Orders XXXX XXXX at XXXX XXXX ( value : XXXX XXXX ) XXXX XXXX at XXXX XXXX ( value : XXXX XXXX ) Deceptive Practices 1.Support staff avoided direct answers about order execution requirements 2.Platform failed to disclose that orders require constant monitoring 3.Terms and conditions do not clearly state execution limitations 4.Support could not point to where these limitations were documented Consumer Impact Direct financial losses totaling XXXX XXXX Lost trading opportunities Time wasted monitoring failed orders Mental stress from platform malfunction All orders and the conversation with customer service are attached.

Company response to consumer: Closed with explanation