vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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 accounts 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 to be removed/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. 

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Sr, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Halsted Financial has been reported as a scam by numerous people. I do not have any XXXX accounts and never have, yet I am being contacted by Halsted Financial 's official text line ( XXXX ) and told that my nonexistent account is now being placed with Halsted. It makes no sense. 

I've never previously been in contact with Halsted Financial nor have I ever consented to giving my contact information to them... let alone being contacted by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TX

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 account listed without my expressed written consent.

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 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I don't have a log of phone calls but they have excessively been calling and when I answer they hang up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My account has been discharged and it shows charge off for every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My account has been discharged and it shows charge off for every month.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My account has been discharged and it shows charge off for every month.

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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I tried logging into my Bank of America account only to see a notification stating that my account had been closed. I reached out to XXXX XXXX a Bank of America representative thats been handling my complaints with CFPB, I could not get a hold of her. I then call the regular Bank of America number to find out more information as to why would my account be closed. I never did anything malicious on my account, no fraudulent activity, literally nothing as to I could not figure out why would they close my account. The only thing I did was inform Bank of America of a company that fraudulently used my card number to make unauthorized purchases on my account. They denied my claim and never initiated any temporary funds while the claim was in research. I was given a bogus reason stating that too much time went by and I did not make them aware of the fraudulent charges. I made them aware as soon as I noticed these unauthorized charges on my account. Now on XX/XX/XXXX my account is closed as if Im the culprit or had anything to do with money being stolen from my account. Ive gotten absolutely no help from anyone Ive spoken to including XXXX XXXX. Theres no history of fraudulent activity on my account, Ive only ever used my account honestly since XXXX to do nothing more than pay bills, and simple uses.

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 2024-10-04 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/2024, I owed {$4800.00} on account # XXXX XXXX XXXX XXXX. This account was a Wells Fargo XXXX XXXX XXXX account. XXXX I reinterate that the total amount owed on the account was the amount mentioned above. Regular monthly payments of approximately {$130.00} were due by the XXXX of each month and had been made ON TIME for the previous month with no carryover late fees or penalties. On XX/XX/2024, {$4800.00} was paid on the account, which SHOULD HAVE left a balance of {$9.00}. Again, the {$4800.00} was paid in lieu of the regular {$130.00} monthly payment. So this payment was made in a timely manner according to the rules and governance of the account agreement on the back of each monthly statement. The billing cycle for each month was from the XXXX until the XXXX of the next month. In other words, the statement that I received the NEXT month had an interest charge of {$40.00}. I contacted Wells Fargo about this when I received the new statement in XX/XX/2024. I thought that the late fee should not have been charged. I also stated at the time that I was ONLY going to pay the balance at the time which was approximately {$10.00}. They INSISTED that I pay the {$40.00} in addition to the {$10.00} that I felt that I ACTUALLY OWED. I again REFUSED. XXXX weeks later, after being told I have NO recourse to complain to someone at Wells Fargo ( file a formal complaint ), They sent me a bill in the amount of {$80.00} which included a LATE FEE of {$30.00}.

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 monetary relief
Consumer complaint received 2024-10-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
I recently checked my credit report and noticed a billing error. The late payment doesn't match my regular payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: MI

Complaint narrative:
My name randomly changed on my TransUnion report to include a maiden name I havent used since XXXX. The change occurred around XX/XX/year>. I noticed it after reviewing my credit report. I did not request the name change. I do not have anyone doing business with me with that name. I dont know why any creditors would update my TransUnion information with a name they are not associated with. I dont see why a creditor has the ability to update anyones name on a credit report. TransUnion requested documentation to update my name to the name it was for years before someone erroneously changed it but I feel I shouldnt have to send in any information. I did not change my name at TransUnion.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute in XX/XX/year> for a late payment on my credit report that was inaccurate, I was unable to submit supporting documentation. 
Now I am Unable to reopen the investigation on their site because they said the investigation is ongoing even though I received a letter saying " closed/resolved ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a Care Credit card through Synchrony under promotional advertising of 48 months 0 % no interest. I received approval email and was told card would arrive in the mail 7-10 days. 
on XX/XX/XXXX Synchrony Bank issued a letter indicating they were unable to assign the credit amount requested. I took this to mean I was denied. 
on XX/XX/XXXX I received card credit card in the mail. I logged into my Synchrony cards portal and it was already loaded in there. I never activated this card and thought I had been denied. Yet, here it is - ready for me to make a charge under the assumption of the promotional balance. 
The terms and conditions received in email approval reference multiple promotional balance offers but do not indicate what promotional balance offer this card has on it right now. 
This occurred on a previous card which I opened in XXXX. I applied for ( and thought I received since it was approved ) the promotional balance offer of 48 months no interest. I set up auto balance pay to ensure I would pay off this card in the promotional period. In XX/XX/XXXX, the promotional balance ended ( so was 18 months not the 48 months to which I applied ). This cost me over {$8000.00} in deferred interest when I was on track to pay off timely. 
They are misleading people upon application for their cards - " you're approved '' but not approved for what you applied for. And, they go ahead with opening a card under alternative promotional plans to which you did not agree to ... .banking on that you will make a charge and thereby accepting the new terms. This care credit appears on my credit report, was a hard pull and was not what I applied for. I've spent multiple rounds on customer support to get this cancelled. 
I am cancelling all Synchrony cards for misleading me despite my timely payments, good credit and payoff ability.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Wednesday XX/XX/XXXX I noticed that I received multiple email alerts showing that I have new derogatory accounts on my Experian credit file. When I logged in to the Experian website, I noticed that two new XXXX XXXX accounts were in my credit file. 

I also noticed that these 2 files were in dispute status. I had just found out about this, there is no way that I have disputed these accounts. There were 5 experian disputes made between XX/XX/XXXX & XX/XX/XXXX that I did not personal place. The disputes were all of the new derogatory accounts added. ( File included ) On the Experian credit file, one of the XXXX XXXX accounts is showing a charge off as of XX/XX/XXXX and the XXXX XXXX account is showing a charge off every month from XX/XX/XXXX unitl XX/XX/XXXX. ( XXXX XXXX report File included ) On XX/XX/XXXX I received an XXXX credit report also showing these two XXXX XXXX accounts I had not ever seen before. The XXXX XXXX accounts show that the accounts were discharged through a chapter XXXX bankruptcy, which is incorrect and there is no mention of any charge off. ( XXXX Report File included ) I believe this to be a FCRA violation. 
I have also included a FTC affidavit report. 

I have also disputed these files with XXXX XX/XX/XXXX and the disputed XXXX XXXX accounts have been deleted.

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 2024-10-04 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX XXXX XXXX XXXX is aware and has proof in the attachment labeled as XXXX XXXX  REGIONALAC Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by REGIONALAC Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I made arrangements to pay the small balance in 3 installments over the summer to resolve it and close the account. Payments were made timely yet they continued to add interest, which makes it impossible to pay in full. I've disputed, and they ignore me. They continue to call me 10+ times a day, changing the caller id # each time. This is harassment. They have called my family members who were on my XXXX account over ten years ago, which makes me think they are using hacked/sold info to do so. 
I just want them to leave me alone.

Company response to consumer: Closed with monetary relief