vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have filed an Identity theft and have a copy of my report as the follow fraudulent accounts are listed capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2 separate inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX are also includes in the description in the report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I had a negative balance in my Chimne account. I received a notification last week stating that I had received funds from a person named " XXXX XXXX '' in the amount of {$200.00}. I immediately contacted Chime member services and informed them of the transfer, explaining that I did not know the person who sent me the money, nor did I request or accept any transfer. Chime informed me that there is nothing they can do, essentially telling me that I must accept this money and that it can not be removed from my account. I take issue with the fact that Chime has accepted this money on my behalf, removing my ability to accept or decline the transfer. They have taken away my liberty to make this decision. I did not sign this right away, nor did I give them authorization to make this type of decision on my behalf without consulting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2025-01-07 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: OH

Complaint narrative:
I am disputing 8 accounts on my credit report that are inaccurate and do not belong to me.

These errors are preventing me from securing funding for my business, causing serious financial harm. I request an expedited investigation and immediate removal of these accounts : XXXX ) XXXX XXXX XXXX, Account # XXXX covers 5 accounts- 2 accounts Open and in Good Standing, with 3 accounts Outstanding. 
XXXX ) There are 3 accounts under Direct Loans. Both are Outstanding and 1 is under account # XXXX, and the other 2 are under account # XXXX. 
These accounts do not belong to me and I have never lived at the address associated with them. As proof, these accounts are set to fall off due to the 7-year time limit next month in XXXX. I am requesting their immediate removal because they are erroneously impacting my creditworthiness and business efforts. Please notify me once your investigation is complete.

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 2025-01-07 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: OH

Complaint narrative:
I am disputing 8 accounts on my credit report that are inaccurate and do not belong to me.

These errors are preventing me from securing funding for my business, causing serious financial harm. I request an expedited investigation and immediate removal of these accounts : 1 ) XXXX XXXX XXXX, Account # XXXX covers 5 accounts- 2 accounts Open and in Good Standing, with 3 accounts Outstanding.

2 ) There are 3 accounts under Direct Loans. Both are
Outstanding and 1 is under account # XXXX, and the other 2 are under account # XXXX. 
These accounts do not belong to me and I have never lived at the address associated with them. As proof, these accounts are set to fall off due to the 7-year time limit next month in XXXX. I am requesting their immediate removal because they are erroneously impacting my creditworthiness and business efforts. Please notify me once your investigation is complete.

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On several occasions Regional Acceptance employees have mishandled my account and lied in order to lead to repossession of the vehicle. They lied about fees and even after paying the balance in full inexplicable fees remain on the account for the amount of {$1000.00}. Then there are other inexplicable fees for the amount of {$330.00}. I spoke with an agent in collection who perpetrated herself to be a supervisor on XX/XX/XXXX who I made an arrangement with even though I had no idea what the fees were for. She read me all of the disclosures on a recorded line for two months of payments to be deferred, XX/XX/XXXX & XX/XX/XXXX, but never submitted the paperwork to ensure the payments were deferred. The verbal agreement made was for two payments to be deferred and the amount of {$760.00} to be paid on XX/XX/XXXX. In addition, monthly statements were being withheld from me that prove that the account was paid in full during those months which would disprove the past dues payment amount and other charges due. I have recorded phone calls of all of the lies that were told to me in attempt to get my account too far behind to catch up then enforcing repossession. This predatory behavior then resulted in them reporting to the credit bureaus that my account was 30 days late. Regional Acceptance is scamming people for false fees and their employees are blatantly lying about what is being done to the account. Recording can be provided upon request.

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 2025-01-06 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: National Credit Systems,Inc.
State: KY

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report that I have recently reviewed. Upon closer examination, I have found errors, as well as accounts that appear to be fraudulent or unauthorized. Please find the details below : National Credit System Opened : XXXX Showing an amount of {$3400.00} then {$4000.00} XXXX XXXX XXXX Opened : XXXX {$170.00} XXXX request that these discrepancies be thoroughly investigated and corrected. Please remove any fraudulent or inaccurate accounts from my credit report as soon as possible. I would also appreciate receiving confirmation of any updates made to my report. 

Attached are any supporting documents that may assist in resolving this matter, including copies of identification and evidence of the disputed accounts. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
They over-charge a lot of money monthly with barely real impact on your credit score.

Charging almost a {$120.00} a month to remove 1 item in 3/4 months Year XXXX {$120.00} XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the continued reporting of fraudulent accounts and inquiries on my credit reports by TransUnion, XXXX, and XXXX, despite submitting a valid Identity Theft Report through XXXX and other supporting documentation. 

Fraudulent Accounts : XXXX XXXX  : Account Number : XXXX ( All XXXX Bureaus ) MECHBK Auto incorrectly claims this account belongs to me. Despite notifying them of identity theft, they have sent correspondence to an incorrect address and have failed to provide any evidence linking me to this account. 
XXXX XXXX : Account Number : XXXX ( All XXXX Bureaus ) Fraudulent Inquiries : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX : XXXX FIN ( TransUnion ) XX/XX/XXXX : XXXX FIN ( XXXX )XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion XXXX ; XXXX XXXX XXXX ) ; XXXX XXXX ( XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXransUnion XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX : XXXX XXXX ( TransUnion XXXX XX/XX/XXXX : XXXX XXXX ( TransUnion ) Violations of Federal Law : The continued reporting of these fraudulent accounts and inquiries violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Requires the blocking of fraudulent information upon receipt of a valid Identity Theft Report.

15 U.S.C. 1681i : Obliges credit bureaus to conduct a reasonable investigation when disputes are filed. 
15 U.S.C. 1681b : Restricts permissible purposes for accessing and reporting consumer credit information.

15 U.S.C. 1681e ( b ) : Mandates credit bureaus to ensure maximum possible accuracy of the information reported. 

XXXX XXXX : Immediate removal of the above-listed accounts and inquiries from all credit reports. 
A comprehensive investigation into XXXX Autos improper handling of my case and their failure to validate the account after an Identity Theft Affidavit was submitted. 
Full compliance with the FCRA, with statutory damages under 15 U.S.C. 1681n if violations persist. 

The letters I submitted for this dispute are attached for reference. I respectfully request the CFPB to ensure that TransUnion, XXXX, and XXXX comply with federal law and uphold my consumer rights. 

Thank you for addressing this urgent matter. I look forward to your timely resolution.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I requested a Care Credit account on XX/XX/year> and used it to take care of some medical bills. I started making the payments accordingly to the balance statement received every month. While checking XXXX balance I noticed an unreasonable high amount of interest charges for the amount of {$1800.00}. As I have always been on time with my payments, this was so outrageous as I never missed a payment. I contacted Care Credit customer service and they informed that the ''promotion '' was due and full amount needed to be paid at the end of the period and for this reason they are charging all this interest. I believe this is a financial exploitation as I was never told of such ''promotion '' and the account shows activities as Standard Purchases and mentions Expiration date> '' UNTIL PAID OFF ''. All this is misleading as I continue to make payments and never received a notification of any " promotion '' due date or ''pay full balance by due date ''. 

Please assist with guidance on this matter as I consider this practice misleading and put me at risk of compromising my credit history for a confusing credit practice performed by Care Credit.

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 2025-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC
State: FL

Complaint narrative:
Around XXXX XXXX XXXX I saw an ad online that Betterment was offering a Cash account that was paying 4.5 % interest, boosted to 5.0 % for the first 3 months. 
I set up a new account with them and asked to have {$2000.00} transferred from a XXXX account. I verified Betterment 's micro-deposits into my XXXX account to verify to XXXX that I had intended to transfer that money. On XX/XX/XXXX, XXXX sent the funds and they posted to Betterment Cash Account # XXXX on XX/XX/2024. On XX/XX/XXXX, Betterment 's boosted rate expired and overall interest rates had declined. I scheduled a transfer to XXXX XXXX XXXX XXXX which was also linked to Betterment as an external account. The transfer was supposed to take 3 business days. For 10 days the transfer showed as pending in my Betterment account, but not at all in my XXXX XXXX Account. 
On the XXXX day I called Betterment to find out the reason for the delay. All three representatives I talked to were dismissive and condescending, insisting that they could not complete the transfer of funds out of their institution until I gave them information about what they called the " XXXX Account '' and send them a color copy of my Driver 's License. They could not tell me where the money was, why it was not reflected in my Betterment Account, or why they could neither put it back and pay the current interest or send me a check to the verified address on the account or a external account that had already been verified. 
I refused to give them any other account information, saying that this is what scammers do and the whole situation, and the company itself reeks of fraud. They all three representatives informed me that if I did not reply to their email asking for the other bank account information, they would not release the funds or post them back to the Betterment account. All three representatives refused my request to speak to a manager or supervisor, saying I would receive an email response from a manager in 2-3 days. One of the " Customer Service Representatives '' even stated that she could not give numbers such as balances and transfer amounts to a verified customer over the phone. I worked for financial institutions for many years and I spoke to both my daughter who works for a credit union in Florida and a Manager at XXXX XXXX where I was trying to transfer the money. They both believe that Betterment is acting unlawfully at best, and almost certainly perpetrating privacy violations, fraud and theft. 
At the very least, I want all of my money out of that institution and interest for every day it was there. 
I have documentation, but the site would not upload. I will be happy to forward upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Strauss Factor Laing & Lyons
State: RI

Complaint narrative:
They sent a process server to my door on XX/XX/year>. Saying it was in regard to an old credit card bill. Asking for a summons within 20 days to answer. Sent them the answer told them I want them to cease and desist from all further contact with me. That I only live on SSI, and could not afford this. However told them I would settle for {$10.00} because thats all I could afford. They sent back a letter dated XX/XX/year>. Scamming for a higher amount than what they originally said which was {$1400.00}. Now they want 70 % of XXXX to be paid to them within 30 days. I want them to cease harassing me. Nor do I want to reopen the credit file or prolong it with them again. I just want nothing to do with them and their client anymore. I am only on SSI, am XXXX XXXX XXXXXXXX. Yet they ( XXXX ) doesnt seem to get this. Particularly that SSI is judgment proof. Which means obviously I cant be sued. I am really scared out of my mind because they act like they wanted to sue me. And never gave me a chance to dispute this alleged debt. Which I consider I dont owe them. They ruined my whole XXXX XXXX  this year, leaving me, an XXXX XXXX XXXX XXXX disturbed and unable to enjoy the XXXX XXXX  with my friends and family like I always look forward to doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX : XXXX Sos : XXXX TransUnion LLC XXXX, Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attn : Supervisor Subject : Request for Removal of Fraudulent Accounts and Inquiries Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. 

FTC # : XXXX XXXX Accounts : XXXX. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Fraudulent Inquiries : XXXX. XXXX  Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX via XXXX  XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX via XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 


These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity. 

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security card FTC complaint Notarized Affidavit Personal statement letter Thank you for your prompt attention to this matter. 

Sincerely, 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