vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: EQUIFAX, INC.
State: KS

Complaint narrative:
My credit report lists hard inquiries that were not authorized by me. Please take corrective action under 15 USC 1681c-2 to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For no reason my credit card account was closed. I was using my account for all my normal purchases and then one of my charges was declined. When I logged into my credit card app, it stated my account was closed. I call the company to inquire what is going on and they just kept transferring me around. I need to account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX 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. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX60 TD BANK/TARGET pXXXX XXXX XXXX XXXX, MN XXXX I would like to request, in writing, that MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 


Please provide me the following information : XXXX. Name and address of alleged creditor _______________________________________________________________ 2. Name on file of alleged debtor _______________________________________________________________ 3. Alleged account number _______________________________________________________________ 4. Date that this alleged debt became payable ____________________________________________________________ 5. Amount of alleged debt _____________________________________________________________ 6. Was this alleged debt purchased or assigned to a debt collector?

_______________________________________________________________ 7. Amount paid if debt was purchased ________________________________________________________ 8. Commission for debt if collection efforts are successful ___________________________________________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature 2. All statements while this account was open 3. Any and all accounting documents associated with this alleged debt I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgements been made by any creditor regarding this account. 

Please provide me with the name of bonding agent for NAME OF DEBT COLLECTOR, in case legal action has to be taken. 

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter. YOUR CLAIM CAN NOT AND WILL NOT be considered if any portion or documents have not been provided as instructed by I the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXXXXXX XXXX XXXX XXXX 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. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
This is not in error or a mistake made based on material misrepresentation I do have a contract with XXXX XXXX XXXX XXXX XXXX. 15. USC 1681 c-2 ( 3 ) significance of block the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. I XXXX XXXX being the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint narrative:
I am writing to request detailed information regarding my student loan account. Specifically, I am seeking the following : 1. History of payments made on my account from XX/XX/XXXX to XX/XX/XXXX, including a breakdown of amounts applied to principal and interest. 
2. Information regarding capitalized interest on my account during the same period ( XX/XX/XXXX to XX/XX/XXXX ). 
3. The 1-Month LIBOR Rates provided by XXXX XXXX XXXX XXXX XXXX date and change date from XX/XX/XXXX through XX/XX/XXXX. 

I would appreciate it if this information could be provided at your earliest convenience. If there are any forms or additional steps required to process this request, please let me know. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase was holding money in my account. I wanted to transfer back to my bank, went to add my bank account, but received an error that my bank account " can't be manually added ''. It's ACH, any bank can be added. That meant I only had two options ; I could use their " instant verification '' via XXXX, a third-party provider I do not trust, or I can use my bank debit card for a fee of {$18.00}. Given little choice, I opted for using my debit card. The {$18.00} fee has several problems : 1 ) I had no other choice as they forclosed on using the free option of using my bank account and I refuse to use XXXX. 2 ) the fee is excessive. 3 ) the fee is not disclosed anywhere on their website, other than alluded to that it exists and is only revealed when performing the transaction. This means they can make the fee anything at whim and I couldn't reasonably decided the fee was too high when I first signed up for their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
What happens is that I have an account with Toyota Motor Finance and on XX/XX/year> the car comes out as a total loss, then my car insurance makes a corresponding payment of {$12000.00}. As a result, the remaining balance was in the account after XXXX, and I continued making payments which were XX/XX/year> amount of {$560.00}, XX/XX/year> amount of {$560.00}, XX/XX/year> amount of XXXX and the last payment on my part on XX/XX/year> amount of {$1100.00}. My complaint was that since XXXX I was never provided with the account statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX. Because I contacted them they say they can't provide me with those documents because the account has been closed since XX/XX/year>, I have evidence of my transactions from the months I mention here they never provided that information and they can't give it to me, I complained to them and they say they can't because the account was declared unpayable from XX/XX/year> when they didn't provide the credit information and account statements

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
On XXXX XXXX, Capital One charged me the annual fee of XXXX dollars, and the next days closed my Venture XXXX CC without warning and refuses to give me the roughly XXXX of points which I had accumulated on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have homestead which removed property taxes and thus my tax payment to the county was rejected since no payment is required or accepted. 

The rejected payment should have been sent to me already. 

Why are they still holding my money. 
I called and they said they would review but there's no reason they have not released the excess escrow to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was deeply frustrated and stressed to find several inquiries from your company that I never authorized.

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 2024-12-04 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: NC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
My checking/savings account has been restricted since Sunday, XXXX XXXX. 

This is the history of my calls : Sunday PM : As soon as I got the notification of my account restriction, I called customer service. The representative initially said the reason was a {$13.00} transfer I initiated. I explained that I was not familiar with that transaction but had initiated a transfer of {$13000.00} to my XXXX account, not {$13.00}. The representative insisted it was {$13.00}. I asked him to count the zeros, but he still insisted it was {$13.00}. I agreed that I was not familiar with that amount, so he logged that I had a transaction I was not familiar with. 
Monday Morning : I called again for an update. The representative said my account would be closed due to the unfamiliar transaction. When I clarified which transaction, this time the representative said {$13000.00}. I recounted my previous conversation, and he then said there was no need to close and reopen my account. However, my account remained restricted. 
Monday Afternoon : I called again for a status update. They logged it and stated that it was still under review. 
Monday Night : I called again, and this time the representative explained that I was in violation of terms and agreements. Apparently, I have had a SoFi account for 8 months, and my fianc 's direct deposit is not acceptable since this is not a joint account. I asked how to fix it, and the representative said someone would call me back. 
Tuesday Afternoon : With no update, I called again. I mentioned that I had a direct deposit coming in on Wednesday, so the representative removed the deposit restriction so the funds could go in. However, the account restriction remained, and no one had called me yet. 
Wednesday Morning : I called again and still received no update. 
I have a mortgage to pay and funds in my account, but SoFi is not letting me access them. I want to close my account, but I can not with this restriction. I am in desperate need of help to resolve this ongoing restriction. It has been days, and I need the funds ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief