vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Hello there, in XX/XX/year> I had reached out to ComenityCapital Bank for their Smile Generation Card. 

I am a recent graduate and lost my job. I had reached out to this company to make arangemnts to get my account back on track. Upon speaking to a representative in XXXX, we came to the agreement that I would pay $ XXXX on the first of every month. 

Now, After making the first payment on XXXX XXXX, I noticed a late paymen notice on my credit report. Contacting Comenity Captial, they shared that after three payments, they would correct the eroor so that my credit report does not say late. This was confusing as I do not understand why they would repot late, even though I was and am not. 

As I made payment in XXXX, XXXX and XXXX, my credit report is deteroirating due to this company contiously reporting XXXX, even 60 days late! This is very innacture and has impacted my other finaces and credit score. 

In many instaces I paid with more funds and days before the requested due date on my statements. 

XXXX statement will reflect - Minimum Payment Due : {$58.00} - Payment Due Date : XX/XX/year> I made a payment of {$70.00} on XX/XX/year> XXXX statement will reflect - Minimum Payment Due : {$57.00} - Payment Due Date : XX/XX/year> I made a payment of {$70.00} on XX/XX/year> XXXX statement will reflect - Minimum Payment Due : {$55.00} - Payment Due Date : $ XX/XX/year> I made TWO payments of {$57.00} on XX/XX/year> and XX/XX/year> I have disputed this account four-five times between XXXX XXXX XXXX with XXXX and no avail or changes. I am becoming more and more frustrated as something out of my control is starting to control other aspects of my fincial stability. 

In addition, I had purchased and paid for something called Account assurance as to cover if I were to lose my job, death, ect. Upon trying to request it, I was denied as I did not meet all of their details. So in addtion to this nonsence, I am paying almost {$1000.00} in payments for something that was to help me when I experienced a finacial need- no service was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-08 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: IN

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's 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 non-monetary relief
Consumer complaint received 2024-06-08 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: IN

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I asked for validation and they didnt give it to me. I asked them to take off incorrect information immediately and they did not! DISPUTE with 15 usc 1692g / validation / 609

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 2024-06-08 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: MO

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX  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 the months that I was late 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.

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 2024-06-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a hard inquiries on my credit that I was never aware of. I dont recognise it at all I just got into my credit report and seen it I didnt recognise them at all thank you very much!

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 2024-06-08 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: TX

Complaint narrative:
Delete the account XXXX XXXX  from my credit report because this account has not been verified and is reporting inaccurately. XXXX date last reported is XX/XX/XXXX and XXXX is XX/XX/XXXX. How does this meet FCRA requirements when all data furnished should be accurate. The creditor could not verify this information when contacted. XXXX has deleted this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Between my information being incorrect on the federal student loan website studentaid.gov and incorrect information given by XXXX I have made incorrect decisions that have resulted in having to request forbearance to correct after being given information that I should register for the standard plan, and, per that plan stop filing my taxes single filing separately, I was then told I was in the wrong plan, and then went back and my payments went from under $ XXXX {$950.00}. 

I made some complaints with XXXX and the ombudsman. I received a letter on XXXX XXXX that there was a delay and I would get a response in 90 days. I still have not received a response. There was initially a question that led me to believe I was already over XXXX payments. 

I also have yet to hear back from the Ombudsman. 

On the Student website, it says that my loans dont qualify for XXXX because I dont have the right loans, however, I do. 

Although apparently my server has been switched to XXXX, The federal website says my loans are still with XXXX 

The website providing the incorrect information and the staff for writing the incorrect information as resulted in many bad decisions that have not financially worked on my favor. I tried to grab that information but the federal website just went down again. Which is another thing that happened so frequently that I want to pull my hair out XXXX should not have people advising you to select a particular plan if theyre not knowledgeable about the process. The government should not recommend plans that will take you off XXXX, without explicitly and very loudly, giving you warning that thats going to happen. It feels like this has been done on purpose to generate anxiety and, prevent as many people as possible from getting their loans paid and to get them to pay far more than needed. I believe I paid more in the past seven months and I didnt in the XXXX years. I was paying my student loans prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: January Technologies, Inc
State: GA

Complaint narrative:
XXXX XXXX has called me repeatedly and within 7 days I've been contacted at least. times. They have also given my email address and phone number to a collection agency where they have texted me without consent and sent me emails without my consent. At this point the repeated calls within a month has been excessive and sometimes it's been two to three times a day. I am now feeling harassed by this company and receiving unwanted communication through emails from the collect agency they hired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-08 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have opened an XXXX  XXXX card with Citi bank and I am the primary holder which advertised as it has the admirals club benefits which also allows you to access the XXXX XXXX if you are flying with them. However I got refused to enter the lounge as no admirals club printed in the card. 
I have connected with a customer service agent named John and he suggested me to connect the airline to see if the card is active and can not understand the question except sending me copy paste messages.

Other than this, the card originally sent to me was lost, and eventually cost 20 days for receiving a card, and then the card was locked due to just adding it to apple wallet, and after connecting to customer service, I have the card unlocked, and then I got locked again because they said I was failed to validate my identity when I first connect with them, while they unlocked the card for me like I stated before- so unlocked the card while I am not verified? 
I dont understand and I dont recommend any other consumers using Citi bank

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 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I reported an unauthorized transaction on this account from the XXXX XXXX for {$34.00} in XXXX, 2024. After XXXX months, an algorithm reported that card had been used. I already knew that. 

XXXX Capitol One humans claimed that there was nothing they could do to correct the erroneous algorithm. " Banking reimagined '' apparently means being a digital post office, with all the charm and helpfulness of the USPS. 

XXXX # XXXX, XXXX # XXXX and XXXX # XXXX were especially unhelpful on XX/XX/year>, with XXXX hectoring me that I should change banks ( I already have XXXX others ) and claiming that no one can challenge the decision of the algorithm. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
Delete the account XXXX XXXX from my credit report because this account has not been verified and is reporting inaccurately. XXXX  date last reported is XX/XX/XXXX and XXXX is XX/XX/XXXX. How does this meet FCRA requirements when all data furnished should be accurate. The creditor could not verify this information when contacted. XXXX has deleted this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/XXXX. 
XXXX deposited in my account XX/XX/XXXX was the first withdrawal in the account for XXXX that was unauthorized. 
XXXX XXXX preauth XXXX XXXX XXXX Balance was XXXX Reversal transaction XXXX XX/XX/XXXX XXXX XXXX XXXX  transfer XXXX / XXXX to my credit karma positive. 

Withdraw XXXX XX/XX/XXXX XXXX dollars Withdraw XXXX XXXX XXXX preauth XXXX XXXX XXXX XXXX Reversal transaction XXXX XXXX XXXX XXXX I put in XXXX something all I got was XXXX back should have had around XXXX back l never got it back. Today is XX/XX/year> All in good faith, its pretty wonky. It told me I would receive my money in 3 business days still didnt see it. 

All this I believe is true in Good Faith and by anyone who reads this agrees to resolve this transaction problems with proper communication, and not legal action first. Let us resolve in common sense, or companys agrees be subject to subpoena for the truthfulness and reasonableness of accurate information and what resolves there in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: MA

Complaint narrative:
These accounts do not have to be on my credit report, I asked them to send me what method was used to verify the alleged debt according to 15 US C.S 16811 ( 7 ) Method of verification-Description of reinvestigation procedure. They continue to report these accounts illegally and are violating my rights.

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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Please reference case XXXX. Wells Fargo submitted their documents which were used to make their decision on that claim. However, the documents they provided did not show proof that any items where shipped, nor delivered. A shipping label was provided, however the tracking number on the label shows no activity in the USPS system, nor does the tracking number appear in any of the USPS Informed Delivery E-mails I have received. See attached screenshot which shows that the label was created, but no item was ever sent. Additionally, the " XXXX '' documents supplied don't even list a shipping address on it.

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 2024-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am writing to formally notify you of my intent to rescind the auto loan/retail installment loan agreement dated XX/XX/XXXX, which was executed between XXXX XXXX XXXXXXXX and Credit AcceptanceXXXX XXXX XXXX XXXX XXXX XXXX. The loan was for the financing of XXXX XXXX XXXX XXXX purchased on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
As per the Truth in Lending Act ( TILA ) 15 U.S.C. 1635 and Regulation Z 12 CFR.

226.17 and 226.23, I am exercising my right to rescind the loan due to the failure to provide material disclosures required under federal law. Specifically, the required disclosures regarding finance charges, annual percentage rate ( APR ), total payments, and other key terms of the loan were not adequately provided at the time of the loan agreement. Which left my Right to Rescission unexpired!!

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 2024-06-08 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: CT

Complaint narrative:
I just reviewed my consumer report and found several late payment from XXXX XXXX XXXX with account # XXXX, according to 15 USC 1681a ( 2 ) ( 1 ), the terms consumer report '' does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I never late, so reporting late payments on my credit is a volition. I demand that the account updated to pay on time.

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 2024-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I contacted XXXX XXXX and Trans Union 3x in regards to errors on my report. I owe less on my car loan than what is reported. Lately I made larger payments than usual on my car loan and my student loan, then all of a sudden my credit score went DOWN XXXX!!! WHY????? There's absolutely no reason for my score to go down when all my payments to both my loans and my bills have all been on time and on good terms. In fact, my student loan is almost done and my car loan is less than half way done. I contacted both companies and neither were any help. Now all of a sudden, Trans Union does not do help online. If I call, I will be cussing them out and getting extremely nasty. I work my XXXX off to pay off all my XXXX and be responsible with my credit and these XXXX XXXX are ruining me!

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