vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I went to deposit {$XXXX} using the ATM. First, I inserted XXXX {$XXXX} bills, which the machine accepted. It then asked if I wanted to add more cash, to which I responded " yes. '' I proceeded to insert {$XXXX} in {$XXXX} bills, but for some reason, the ATM rejected those bills and returned them. However, it kept the XXXX {$XXXX} bills, canceled the transaction, and did not credit my account for the {$XXXX}. 

I reinserted my card and deposited the {$XXXX} bills in a second transaction, which the machine accepted and credited to my account. However, the {$XXXX} from the first transaction is still missing from my account. 

I have been dealing with customer service for the past 10 days without any progress. They told me they had filed a request to credit my account, only for me to find out later that it was submitted ( by themself ) incorrectly. Meanwhile, Im stuck paying late fees on my credit cards since I was planning to use that money to pay them off. Due to their mistake the provisional credit the offered me, it has also been delayed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 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: Synovus Bank
State: GA

Complaint narrative:
Please see the attached notice of Consumer Demand for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: LA

Complaint narrative:
On XX/XX/XXXX I requested documentation showing proof of transaction that I was ever late. FCRA allows 30 days for this to be rectified, your bureau has failed to supply documentation. Please remove inaccurate information and update my account.

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 2024-10-13 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:
Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that Experian, XXXX and XXXX pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal 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 explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Started agreement with XXXX. Actually was paying debt in to the account when its a billing error according to the bill it came in the positive and still contacting me to pay debt when I noticed the bill is a interest payment. Also never gotten my permission or consent to sell my credit account to the 3rd party! Here are some U.S.C. to backup my complaint! 


*Regulations : * 1. Truth in Lending Act ( TILA ) - 12 CFR 1026.12-13 - Requires accurate billing and disclosure.

2. Electronic Fund Transfer Act ( EFTA ) - 12 CFR 1005.11-13 - Governs electronic payment errors.

3. Fair Credit Billing Act ( FCBA ) - 12 CFR 1026.13- Protects consumers from unfair billing practices.

*U.S . Codes : * 1. 15 U.S.C. 1601-1667f ( TILA ) - Regulates consumer credit transactions. 
2. 15 U.S.C. 1693-1693r ( EFTA ) - Governs electronic fund transfers.

3. 15 U.S.C. 1666i ( FCBA ) - Addresses billing errors and resolution.

*FCBA Billing Error Resolution : * 1. Written notice to creditor within 60 days 2. Creditor investigates and corrects error 3. Consumer notification of resolution *Penalties : * 1. TILA : Up to {$5000.00} ( individual ), {$2.00} million ( organization ) 2. EFTA : Up to {$1000.00} ( individual ), {$500000.00} ( organization ) 3. FCBA : Up to {$1000.00} ( individual ), {$500000.00} ( organization ) According to these penalties FCRA ( 15 U.S.C. 1681s ) up to {$2.00} for negligent also up to {$7500.00} for willful noncompliance.

FDCPA ( 15 U.S.C. 1692k ) {$1000.00} for each violation GLBA ( 15 U.S.C. 6801 et seq. ) $ XXXX each violation. 

N.Y. Gen. Bus. Law 380 up to {$5000.00} for each violation.

*Credit Reporting Agency ( CRA ) Penalties : * 1. FCRA ( 15 U.S.C. 1681s ) : Up to {$2500.00} for negligent non-compliance ; up to {$7500.00} for willful non-compliance.

2. FTC enforcement actions *Debt Collector Penalties : * 1. FDCPA ( 15 U.S.C. 1692k ) : Up to {$1000.00} for each violation ; up to {$500000.00} for class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion all credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  The hard Inquires that are on my credit report that should also be removed. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-13 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: MI

Complaint narrative:
On XX/XX/XXXX I mailed out letters to Experian letting them know that XXXX XXXX XXXX Account # XXXX was a fraudulent account that was opened without my permission Experian never responded to these letters at all so I then filed a cfpb complaint after the 30 days and no response on XX/XX/XXXX complaint number XXXX came back as verified. I also sent out these same letters to XXXX and XXXX, and they found this account to be fraudulent and have since deleted it from my XXXX report and it has been deleted from my XXXX report. 

If metro 2 compliance says that it should be reporting the same on all bureaus why is Experian violating my FCRA rights by leaving this fradulent account on my report. 

I have attached the FTC Report as well as the deletion letter from XXXX showing the account has been removed and found fradulent by them.

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 2024-10-13 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: MI

Complaint narrative:
As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX debtbondage, which falls uder XXXX XXXX accourding to XXXX XXXXDebt Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block andremove this information from my credit report with FOUR BUSINESS DAYS. 

Please delete the following accounts : XXXX XXXX XXXX XXXX. {$460.00} XXXX  XXXX bankruptcy : Bankruptcy bal. {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I urgently request that all reporting of this account to the credit agencies be stopped immediately and removed from credit 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 explanation
Consumer complaint received 2024-10-13 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: PR

Complaint narrative:
I urgently request that all reporting of this account to the credit agencies be stopped immediately and removed from credit 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 explanation
Consumer complaint received 2024-10-13 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: LA

Complaint narrative:
On XX/XX/XXXX I requested documentation showing proof of transaction that I was ever late. FCRA allows 30 days for this to be rectified, your bureau has failed to supply documentation. Please remove inaccurate information and update my account.

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 2024-10-13 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: LA

Complaint narrative:
On XX/XX/XXXX I requested documentation showing proof of transaction that I was ever late. FCRA allows 30 days for this to be rectified, your bureau has failed to supply documentation. Please remove inaccurate information and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XXXX I received a letter stating my Kohl 's credit card has been chosen to be updated to a Kohl's/CapitalOne XXXX in XXXX. I immediately contacted Kohl 's and said I didn't want my card changed. They said I had to contact CapitolOne. I called CapitalOne and they said they couldn't stop the process, but after I received my Kohl's/XXXX  card I could call them back and ask to be converted back to just a Kohl 's credit card. That is ridiculous that they couldn't stop the change that wasn't taking place until XXXX. I called Kohl 's back and said if they couldn't stop the change, then to cancel my account. Kohl 's cancelled my account and don't send me a Kohl's/XXXX  card. XXXX I received a Kohl's/XXXX  card. I am furious. I just wanted my Kohl 's credit card and without my approval they went and opened a XXXX account in my name. I contacted the Attorney General 's office, They contacted Kohl 's and CaptialOne, and suggested I contact your agency. I believe this is a highly deceptive practice on CapitalOne 's part and they are " forcing '' me to accept their credit card even though I never applied for XXXX, told them I didn't want XXXX, and even closed my Kohl 's account so they wouldn't send me their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed

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 2024-10-13 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: IL

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed

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 2024-10-13 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that XXXX, XXXX and Transunion pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal 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 2024-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that XXXX, Equifax and XXXX pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX my Sallie Mae Bank online account became inaccessible. I called them on XX/XX/XXXX and asked for help, advising them that the same thing had happened in XX/XX/XXXX and it took them more than a month to resolve the issue. 

I received reference # XXXX for the case I have opened with them this time. Since opening the case I have spoken with them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but I don't feel like the issue is being escalated to those who can solve my problem, which I suspect is a XXXX party provider of XXXX  services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I looked at my TransUnion report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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. 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 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 2024-10-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I reviewed my credit report and noticed that some accounts are inaccurate. I have not done business with any of these accounts.

Company response to consumer: Closed with explanation