vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened an account and then they closed it after I funded it after wards they were rude and said they didnt have to give me my money back till they sent a check I later tried opening an account again after a year and they said that they made the decision to stop doing business with me in XXXX  even though I opened an account with them last year and are not giving me any reason or details as of why

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
JCPenney is charging me {$2.00} ( Minimum Interest Charge Purchases ) each month unless I pay my balance in full by the end of my XXXX  Day Billing Cycle ( ie from XX/XX/year> to XX/XX/year> ) This means I would need to pay my balance beforeI get a statement ( I received it XX/XX/year> ). Previously I had no interest charge if I paid it before Payment Due Date ( XX/XX/year> ). I talked to their Customer Service, but was told I got a letter about it. It still doesn't make sense to be that I need to pay a bill before I receive it. I have historically paid each month as soon as I receive the statement. They recently changed to Synchrony Bank/JCP . Does this have something to do with this charge? On the Consumer Finance website under Synchrony Bank Rates and Fees Table JCPenney Credit Card it states that I have 23 days after the end of the billing cycle to pay my balance in full to avoid interest charges.

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 2024-09-11 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: LA

Complaint narrative:
The late payments shown do not align with my typical payment pattern.

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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for a Capital One credit card ( XXXX XXXX ) card on XX/XX/XXXX which clearly stated a new member offer sign up bonus of {$200.00} would be applied after {$500.00} spent on the card. This came directly from their website and can be easily found when searching up Capital One XXXX  XXXX. 

After a few months go by and after having met the criteria of spending the {$500.00} on the first month, I give Capital One a call asking where the welcome bonus is to which they tell me Im not getting it because I did not qualify for it. And that it said that when I signed up for it. This is absolutely not true as I reviewed the account opening documents ( which I will attach a PDF copy of below ) and nowhere in those documents did it mention anything about not being eligible to receive the promised welcome bonus that was mentioned on the website. This is absolutely unacceptable and fraudulent behavior on behalf of capital one for lying to and deceiving new customers with empty promises. Not to mention 5 minutes of research will show the pending class action lawsuit for this very reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have asked for the incorrect information to be removed from my reports and they have not removed any inaccurate information. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX South Carolina XXXX. My employer is XXXX XXXX XXXX located in XXXX, South Carolina XXXX. I have provided the credit bureaus with my correct information and they have not removed any inaccurate information. I would like for them to remove the inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a formal complaint against Experian for their failure to correct fraudulent accounts and inquiries on my credit report. Despite multiple dispute submissions, Experian has not addressed these inaccuracies, which violates several provisions of the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts Reported by Experian : XXXX XXXX - Opened XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  - Opened XX/XX/XXXX Fraudulent Inquiries Reported by Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX AUTO - XX/XX/XXXX Laws Violated : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] : Failure to ensure accurate reporting.

12 CFR 1006.34 ( b ) ( 5 ) : Inaccurate reporting of credit information. 
FCRA Section 605B [ 15 U.S.C. 1681c-2 ] : Incorrect and outdated information on the report.

FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] : Inadequate procedures to ensure accuracy.

15 U.S.C. 1692c : Inadequate compliance with debt collection regulations.

15 U.S.C. 1681b : Improper use of credit information.

15 U.S.C. 1681N : Violation of the FCRA and potential damages. 
I request that the CFPB thoroughly investigate XXXX practices and enforce necessary actions to rectify these inaccuracies. 

Thank you for your prompt attention to this serious matter.

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 2024-09-11 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: PA

Complaint narrative:
I am writing to express my continued frustration and disappointment regarding the unresolved disputes on my credit report. Despite my previous attempts to have numerous inaccurate and invalid items removed, it has become evident that XXXX is failing to act responsibly in comparison to Equifax, which has already addressed and resolved most of these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
I am writing to express my continued frustration and disappointment regarding the unresolved disputes on my credit report. Despite my previous attempts to have numerous inaccurate and invalid items removed, it has become evident that XXXX is failing to act responsibly in comparison to XXXX, which has already addressed and resolved most of these inaccuracies.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in Disputes on XXXX XXXX to Experian some account that I believe were inaccurate. Experian came back and refreshed that the accounts were accurate but when I pulled up my credit reports across all reporting agencies each one is still say something different. So if this information is correct I would like them to tell me how they verified

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 2024-09-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 non-monetary relief
Consumer complaint received 2024-09-11 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:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: MS

Complaint narrative:
You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX  American woman to do business in this country..... I want this and any all-other violations removed ASAP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Fin account is reporting inaccurately for the year of XXXX i have been on a payment plan with this company. Please correct incorrect late payments reporting for the year XXXX.

See 15 U.S Code 1666b please remove incorrect late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
I Have been recently reviewing my credit and looking over the fair credit reporting laws and see that the company XXXX XXXX XXXX with account number ending in XXXX shows an account was opened XX/XX/year> for a dollar amount of {$1400.00}. this information is inaccurate. I do not have any contract with this company that is reporting to all credit bureaus. This debt buyer has access to my personal information without my consent which violates FCRA... THIS DEBT BUYER IS SHOWING FROM OTHER COMPANY LIKE CREDIT KARMA THAT THEY ARE THE ORIGINAL CREDITOR AND THIS INACCURATE.THE FDCPA RESTRICTS HOW DEBTS COLLECTORS CAN COMMUNICATE ABOUT MY DEBTS. SECTION XXXX ( B ) OF THE FDCPA.I AM ASKING THAT THIS DEBT COLLECTOR INFORMATION BE DELETED AND REMOVED FROM ALL CREDIT BUREAUS AGENCY. THIS INFORMATION IS INACCURATE AND I DO NOT OWE A DEBT TO XXXX XXXX LLC..THEY HAVE ACCESSED MY INFORMATION ILLEGALLY AND IS VIOLATIONS FAIR CREDIT REPORTING ACT.

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 2024-09-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, DE XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1. The name and address of the original creditor and current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My XXXX  credit report does not update the payments for my Santander bank loan. It says that I have not paid for XXXX. I called Santander and they told me that they passed the information on to the credit bureau. I filed a dispute with XXXX and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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.

EXPERIAN 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 explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: OR

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 response to consumer: Closed with explanation