vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX. 
XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX. XXXX. Total {$14000.00}. ( XXXX ) These are the claimed transactions, we want them to be reversed since we fell into a scam company and several payments were made because we did not know that this company was fraudulent.

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 2024-08-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made the purchase of the ring ( ~ {$13000.00} ) on XX/XX/year>2023 with the XXXX XXXX XXXX XXXX store, and they introduced me to the XXXXmonth no-interest financing plan and highlighted no APR for XXXX months. The store didn't highlight anything regarding the deferred payments, which is new to me, even though they gave me the terms and I had signed. If the store mentioned anything about the consequences if the balance is not clear after XXXX months, I wouldn't be losing track of my payment. 

The problem with the bank is I did my calculation to pay out within a year and I set up the auto pay immediately after I got the card, which is {$1200.00}, and expect it to pay off within XXXX months. For some reason, the bank started to charge me the XXXX month ( XX/XX/year>2023 ) and XXXX & XXXX months split my payment of {$1200.00}. The bank did not inform me in any form such as phone, message, email, mail, or website message, and initially I thought the autopay should work but it actually ended up with a remaining balance that caused a deferred interest from the ORIGINAL PURCHASE price, which is 30 % more of the ring price ( ~ {$3600.00} )! The store definitely has a duty to explain the terms well before the customer signs anything, I think they were not explaining the deferred interests for new customers to lure them to buy, this is a big loss/ interest to me as the ring price is very high for me and very unfair. 

I called the XXXX XXXX company and they arranged a call with the bank, but they are not resolving anything for me even though I explained and all they saied is nothing they can do, they seemed to blame everything on my side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I have my Target card set up on Autopay. It's been taking money out of the secondary account for months - the primary account has money. Every time I try to switch autopay accounts it tells me I can't because I have a payment pending -- I always have a payment pending - because it's autopay. I received a notice from my credit report that my score had dropped XXXX points because I allegedly missed XXXX payments. I haven't missed a payment - again - it's autopay. They claim a payment was returned - yet i had a secondary payment method AND I was never notified of a returned payment. They then apparently took my next months payment, said it was for the previous month, then accused me of missing a second payment. This is classic behavior of what credit card companies did before consumer protection - intentionally 'misplace ' a payment, accuse the owner of the card of negligence and destroy their credit score so they can charge more interest. This is corrupt and a money grab, and it's intentional. It's been happening for decades and nothing is ever done about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have attempted to resolve this issue by reporting the fraudulent inquiries on my credit report. The unauthorized inquiry has caused me significant mental and financial distress. As a victim of identity theft, I am not responsible for these inquiries and have suffered due to their presence on my report. If this complaint is not addressed properly, I will pursue legal action. These inaccuracies have prevented me from purchasing my dream car and have impacted my ability to support my family. For your reference, I have attached a copy of the letter I previously sent.

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 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I monitor my credit very closely and suddenly there was a XXXX drop in my score from XX/XX/XXXX to XX/XX/XXXX, though there was not a single change in my credit factors. 

Trans Union concurred that there were no changes in my balance history, utilization rate, payment history or age of credit, but stated that because the change happened in XXXX, they could not look into it. XXXX XXXX, the Supervisor for XXXX XXXX, insisted that there are confidential credit factors that determine my score and they are not privy to those factors. I repeatedly asked for an investigation and was told I could only have an investigation if something was inaccurate on my report. I have reviewed my credit report ( from all agencies ) and nothing changed except the reported score. It went from XXXX in XXXX to XXXX in XXXX. Again, I maintain a XXXX balance on all credit cards, my on-time payment history is 100 % and my age of first credit is XXXX. 

This is negatively affecting me, and I want my score restored!! TransUnion should not be allowed to report scores if they are unable to justify the calculation and factors that enter into the score determination. 

Further, XXXX XXXX should NOT be a supervisor if he is unable to speak to an escalation with any level of intelligence or authority.

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 2024-08-09 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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  XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2024 I sent a letter to Hunter Warfield asking them to prove where I gave consent to report this account to XXXX, XXXX and XXXX. 

Furthermore, per the FRCA as a federally protected consumer, I advised them that I am now opting out of any and all authorizations I, the consumer may or may not have given them ; written, unwritten, verbal, and nonverbal per 15 USC 6802. I stated this was effective immediately and indefinitely. However, it has been over 30 days and I have not heard back from them, nor has their account been removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: MD

Complaint narrative:
I file a compliant thru the CFPB on XX/XX/2024 on equifax improper use and inaccurate information of my credit report. ( Complaint ID XXXX ) They investigated the complaint According to the FRCA " Investigatve Consumer Report means a consumer report on portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information.

They stated my accounts were modifed and verified accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate.And according the FRCA 15 USC 1681 everything has to be 100 % Accurate as stated by law. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Under the Fair Credit Reporting Act, credit bureaus, medical information companies and tenant screening services must protect consumer data. These companies must maintain accurate records and investigate when a consumer disputes information These are the accounts listed XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MA

Complaint narrative:
I am writing to formally dispute the inaccurate late payment information that has been reported on my credit report concerning my account with XXXX  XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **High Balance : ** {$4000.00} - **Date of Last Activity : ** XX/XX/year> - **Account Status : ** Closed - **Payment Status : ** Late 90 Days XXXX. Inaccurate Reporting of Late Payment : ** I have identified a 90-day late payment listed on my account that is inaccurate. Under **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) **, when the accuracy of any item of information contained in a consumers file is disputed, the consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. This late payment is incorrect, and I request that it be deleted from my credit report. 

XXXX. Incomplete and Unverified Information : ** According to **15 U.S. Code 1681i ( a ) ( 1 ) ( C ) **, if during the 30-day period of reinvestigation, the information is found to be inaccurate or incomplete, or if the consumer reporting agency determines that the information can not be verified, the agency must delete the item from the file. In this case, the late payment information can not be verified as accurate.

**3. Failure to Provide Timely Notice : ** Under **15 U.S. Code 1681i ( a ) ( 2 ) ( A ) **, the credit reporting agency is required to notify the furnisher of the disputed information within five business days. I have not been informed of any actions taken by the credit bureaus or the furnisher XXXX XXXX  XXXX XXXX ) to address the inaccuracies, which further demonstrates non-compliance with the FCRA. 

Requested Action I respectfully request the following actions be taken : XXXX. **Immediate Deletion of Inaccurate Late Payment Information** : Given that the reported late payment is inaccurate and unverifiable, it must be removed from my credit report. 

XXXX. **Correction of Account Status** : The account status should reflect accurate payment history without the incorrect late payment entries. 

XXXX. **Written Confirmation** : Please provide written confirmation that this dispute has been resolved and that the inaccurate information has been deleted from my credit report. 
Supporting Documentation I have attached relevant documents, including payment records, that support my claim and demonstrate that the reported late payment is incorrect. Please consider this as part of your reinvestigation process. 

I trust that you will conduct a thorough and timely investigation as required by law and correct these errors promptly. I appreciate your attention to this matter and look forward to receiving confirmation that my credit report has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX  used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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 account with ( TRANSUNION 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 in ( MONTHS REPORTING LATE ) 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. 


TRANSUNION 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 2024-08-09 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: CA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: GA

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-08-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX  is not my account. The account shows as charged off and apparently has been for XXXX  years. 

XXXX via Syncb  is also not mine. The account shows as charged off and also has been on the report for XXXX  years. 

I ask for these to be removed and won't do it. 

XXXX XXXX XXXX, is a valid account of mine, however it is reporting with the wrong amount. The car was voluntarily sent back and they sold the car. The difference should be adjusted, to reflect correctly which should be less than {$3000.00}. However this event happened in 2017. I would like for this to be removed from my credit reports as will be a full XXXX years by the end of 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