vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Companies harassing me for late charges and interest charges. 
Macys Credit Card Company Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened a Macy 's account on XX/XX/XXXX. However, nine months passed before I received a bill due to an incorrect address on their records. The post office finally corrected the mistake and sent me a bill which included interest and penalties. However, by this time I had already been sent to a collection company. I contacted Macys billing to let them know I was willing to pay the original purchase amount immediately upon receipt of the bill. I paid Macys-All Div the original purchase amount of {$390.00} on XX/XX/XXXX. I was told by XXXX XXXX XXXX of XXXX to pay this balance and I did over a year ago. I don't understand what else Macy 's wants me to pay. I also received a letter from Macys stating the balanced had been paid off and no other action was necessary. Upon reviewing my credit report XX/XX/XXXX, I came across the issue again. Except this time, they reported the left over balanced which is comprised of penalties and interest only. I have not received any letters from Macys, Citibank, XXXX XXXX XXXX regarding my dispute. I spoke with XXXX of Citibank, and she recommended I send a dispute letter again to Macys Billing fax # ( XXXX ) XXXX XXXX. I spoke with XXXX today XX/XX/XXXX and they would place a dispute notice on 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
on XX/XX/XXXX I opened an account at fifth third bank in order to deposit 20 US savings bonds that I purchased through a payroll savings plan through the XXXX XXXX XXXX XXXX XXXX XXXX. The total deposit from the US savings bonds was XXXX XXXX XX/XX/XXXX I received a letter stating they were closing the account with a statement that reads of a withdrawal of {$1400.00}. A debit reference number XXXX. On Monday the XXXX I went to fifth third bank to find out why they were taking out money and closing the account. I was informed that 8 of the 20 bonds were not recognized by the US treasury. Therefore I was committing fraud. I then got in touch with XXXX XXXX XXXX office for help. They informed me that all 20 of the bonds were cashed by the US treasury and that there was a problem at fifth third bank. I talked with the manager at fifth third bank, XXXX XXXX, and she claimed she would file a complaint. XXXX XXXX phone number is XXXX. 5/3 Bank has all the documents and will not return them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
I have been paying various fees on my accounts. Listed as other fees. My balance does not seem to be going down. I tried to address this multiple times with the loan company and they told me to go ahead and file a complaint. They offered no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
The only information I can somewhat remember is XX/XX/year>, which was the day the state troopers came to my home to evict me out of the house. Prior to this date, I was trying to fix my mortgage and get back in good standing with my mortgage company Wells Fargo. 
The issues started when I first got the loan. At closing, the interest rate was much higher than I had expected since I was getting a VA loan. However, my intention was to pay the home off early anyway. This process seemed to get harder and harder, and some years after living in the home, I saw that an additional {$30000.00} loan was taken out on my home, of which I knew nothing about. I tried to stay in good standing with Wells Fargo but I was not able to, and it really seemed as if there was some kind XXXX XXXX XXXX XXXX going on there because it seemed sort of hostile while being in the bank trying to resolve the problem. I had to just accept my fate that I would not be able to keep my home, and when the XXXX XXXX  came, it was as if the whole conspiracy to evict me from the address was complete. I was homeless for awhile and now Im renting in the worst part of town, so now I'm just trying to get my life back together and move up out from the 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 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute 2 accounts/incorrect payment applied ( Accts ending in XXXX XXXX XXXX  ) To Whom It May Concern : I am writing to officially request help with resolving a billing/credit issue with your card. I received a bill in the amount of {$210.00} which I promptly paid. Following the payment, I received a bill for a CREDIT of {$210.00}. Shortly after that, I received a bill for the {$210.00} and a late fee of {$41.00}. Very confusing to say the least. 

Upon calling and reaching a customer service rep it was determined the payment went to an old account ending in XXXX  ; yet the bill was for account ending in XXXX. We were able to determine that the cashier at the store in Massachusetts did not find my existing account and instead opened up a new account for me. I now question if he did that because he receives XXXX based on how many new accounts he can open in a given time period. ( Common internal promotions held by banks and stores ). While we were able to clear up where the switch was ( payment applied to wrong account ) he was not able to move the payment from one account to the other. That is a bit frustrating since I am giving authorization. To add to this experience, he is only permitted to waive {$15.00} of the {$41.00} late fee. A fee that should not apply since I did technically pay the amount due ( {$210.00} ) and was applied to the wrong account. He agreed that he would remove the full late fee if he was permitted as he could see the issue and mix up. However, he shared your policy limits their ability to remove fees and we must submit a written letter. 

Additionally, while he needs to issue me the check for the over payment in the old account, I shared I do not feel comfortable paying the bill again so as to avoid experiencing the same incorrect accounts receivable issue ( and potentially having to chase down more of my money ). I would wait for the check to arrive ; clear this up and pay the original amount of {$210.00} once the fee was removed and a new bill of {$210.00} sent. 

He then informed me I have to write a letter to request this to be removed ; thus here is my written request to resolve this issue. He shared, that late fees will continue to apply until this is resolved which also concerns me greatly as I know you have 90 days to review upon receipt of a dispute. I hope to resolve this quickly. 

I am asking to please have the late fee removed on account XXXX and accept a payment of {$210.00} to have no currently due amount. 

Thank you for your support and assistance in clearing up this confusion issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
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 XXXXXXXX XXXX I request that my current address be updated accordingly. 

2.Employer : My current employer is XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.

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 2024-12-02 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:
I would like these account to be remove so my credit report can report accurately 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 XXXXXXXX  ) I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the 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 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXXXXXX XXXX XXXX XXXXXXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms 6. Purchase contract of this account The specific account ( s ) in question are as follows : XXXX XXXXXXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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



Sincerely, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX XXXX XXXX XXXXXXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms XXXX. Purchase contract of this account The specific account ( XXXX ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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



Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-02 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: UT

Complaint narrative:
I am griteing to disputed accounts on my credit report that were whithout my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching FTC Report Number : XXXX to this communication to further support my complaint and provide additional evidence relevant to the matter. This report contains critical information that substantiates my claims and highlights the need for a thorough review and investigation of this case. I appreciate your prompt attention and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am writing to request a reinvestigation of the information contained in my credit report, in accordance w

ith 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy and 15 U.S. Code 1681e ( b ) - Compliance Procedures to Assure Maximum Possible Accuracy of the Information. Upon reviewing my credit report, I identified an account that may be in
accurately reported. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. 

In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy and 15 U.S. Code 1681e ( b ) - Compliance Procedures to Assure Maximum Possible Accuracy of the Information.

Upon reviewing my credit report, I identified an account that may be inaccurately reported. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. 

In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AZ

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

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