vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Early XXXX I find out there was some an authorized transactions worth over {$1500.00} with RFBC BANK IN XXXX, this include XXXX XXXX XXXX XXXX  and {$700.00} with an airline.Contcted my bank they give me temporary credit, within the time period off investing i did not take long that ingestion finish took the money back. When I contacted fraud department they investigated that nothing was wrong an no one have access in my account. Since I dont use my bank direct deposit now they stat charging overdraft fees. When there was no refund in my account. Been with bank have never had an overdraft because I was had overdraft protection. # XXXX is too much for poor person like me this bank has Millions. Please help to get my mone=y back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: OK

Complaint narrative:
I asked that a thorough investigation be conducted on XXXX Trans Union and XXXX regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX {$0.00} XXXX updated XX/XX/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 2024-04-21 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: OK

Complaint narrative:
I asked that a thorough investigation be conducted on Experian XXXX XXXX and XXXX regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/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 2024-04-21 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: OK

Complaint narrative:
I asked that a thorough investigation be conducted on XXXX XXXX XXXX and Equifax regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: NJ

Complaint narrative:
The credit reporting agencies are showing payment history on a closed account with XXXX on my profile. It has negatively affected my ability to secure credit and loans. Title 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. I have disputed this with TransUnion & XXXX to delete the payment history, but they have not.

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 2024-04-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Recently, the business sent me a promotional mailing for a credit preapproval for the " Bread XXXX '' XXXX XXXX XXXX. Additionally, the promotional material claims that if I make total purchases of {$1000.00} within 90 days that I would qualify for {$200.00} in cash back rewards. As of the most recent statement, I have met this qualification with a statement balance of : {$1100.00}. Several days ago, I sent a message through the secure messaging portal on my online account, asking when I would be credited with the promotional offer. As expected, no response was received. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Driving Record Dear Sir/Madam, I am writing to dispute inaccurate information on my driving record as reported by LexisNexis. Upon reviewing my driving history, I discovered that there are two accidents incorrectly attributed to me : Accident on XX/XX/2021 XXXX. Accident on XX/XX/2021 Contrary to the information provided, I, XXXX XXXX, was not at fault in either of these accidents. In both instances, I was not issued a ticket, and the police reports confirm that I was not deemed responsible for the accidents. 

I want to emphasize the significant impact that these inaccuracies on my driving record have had on my personal life and family. Due to these erroneous reports, my insurance premiums have been unreasonably high, placing a financial burden on me and my family. These inflated premiums strain our budget and limit our ability to allocate funds toward other essential expenses, such as education, healthcare, and savings for the future. Additionally, the inaccuracies create undue stress and anxiety, as they misrepresent my driving history and unfairly tarnish my reputation as a responsible driver. Rectifying these errors is not only crucial for my financial well-being but also for the peace of mind and stability of my family. 

I respectfully request that these false statements be removed from my driving record promptly. As accurate reporting is crucial for various aspects of my life, including insurance premiums and employment opportunities, I urge you to investigate this matter thoroughly and correct the inaccuracies without delay. 

Enclosed with this letter are copies of the relevant police reports and any other supporting documents that verify my innocence in the aforementioned accidents. 

Please inform me in writing of the actions taken to rectify this situation and provide me with an updated copy of my driving record once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: NY

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these with all haste. Thank you for your attention. I apologize for being so angry. These oversights on your part are causing me a lot of trouble financially.

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 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX has added a collection account to my credit report. However, this account was listed in a police report as identity theft. This was confirmed by Barclays bank and was removed from my credit report by them. XXXX has no right to have re-added this account to my credit report or make any attempt to collect. I'd like this addressed immediately by XXXX  or I will be forced to hire legal counsel. XXXX has also already removed this from my credit report after confirming the account wasn't mine and is reposting it in violation 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 explanation
Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
On XX/XX/year> I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/year> this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, XXXX, XXXX as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX {$2400.00} XXXX XXXX {$790.00} XXXX {$1400.00} XXXX XXXX {$17000.00} 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 2024-04-21 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX {$2400.00} XXXX XXXX {$790.00} XXXX {$1400.00} XXXX XXXXXXXX {$17000.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: NY

Complaint narrative:
The Child Support Enforcement Unit In New York State has been reporting outdated and incorrect information since XXXX. I have made child support payments that have not been accounted for on my consumer credit report. I will be uploading proof of inaccurate information that is being reported on my consumer credit report. Per U.S. Code 1681s-1 ( Information on overdue child support obligations states : That a State or local child support enforcement agency or a verified State, Federal Government agency can use this information can be reported on if it antedates the report by 7 years or earlier. Also per 15 U.S. Code 1681b. Permissible Purpose of Consumer Reports states : This report is only to used to establish an individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement or judgment. The consumer report will be kept confidential, and will be used solely for a purpose described in subsection ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding or, or for any other purpose and The Child Support Enforcement Unit of New York State has violated those rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime has been stealing my money for years. I reach out to Customer Service, they are extremely rude and unprofessional and no matter what I am left to deal with it. I never received any of my money back and iM missing thousands of dollars. I filed disputes in hopes to have things investigated but they always deny my claims. I sent police reports/FTC reports/ Identity theft theft reports but still nothing happens. I am left with an account overdrawn from the actions of others

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: NY

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these with all haste. Thank you for your attention. I apologize for being so angry. These oversights on your part are causing me a lot of trouble financially.

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 2024-04-21 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: NY

Complaint narrative:
I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these with all haste. Thank you for your attention. I apologize for being so angry. These oversights on your part are causing me a lot of trouble financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: GA

Complaint narrative:
Capital One has been Furnishing account transactions. I have recently contacted them to let them know If they were ware that this inaccurate information that was being reported and was in violation according to the law and the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
A creditor can not treat a payment as late without complying with this section of the law! I have already request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

they have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have been trying to get my payment history from XXXX Rushmore SLS

Company response to consumer: Closed with explanation