vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual about whom the report relates. This account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have no knowledge of the debt owed to this company. I have never done any business with this company nor have I signed any documents. According to 15 USC 1692c ( c ), If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. Therefore, there should be no communication nor should there be any report on my credit report because I do not owe Credence Resource Management LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: TX

Complaint narrative:
I pulled my credit report I noticed that this company charged off this account on my credit. If this account was indeed charged off the creditor has failed to provide me with a 1099-c. This company got a tax write off and I should not have this debt reported on my credit profile. This company has failed to send me any forms or any documentation showing that the creditor has the right to report this as a debt. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile. According to the IRS a charged off account is considered to be ordinary income. This means this is an inaccurate account furnishing on my credit report. This is cancelled debt, and this company has filed this account on their taxes as income but is also reporting this account on my credit report as debt. The IRS also mentions that this company was supposed to send me a 1099-c form so that I can file this ordinary income. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have two debts that I negotiated with Synchrony Bank to settle a Lowes and Home Design HI-PJL credit card. I thought I had made automatic payment withdrawal with both. I was hospitalized during the time the payment for the Home Design account became due, but thought I had setup automatic withdrawal so I did not contact Synchrony Bank. After my release, I notice the money had not been taken from my account. I contacted Synchrony and they told me there not an automatic withdrawal, but go ahead and make the payment that day and that is what I did. 

When the final payment was due in XXXX, I logged in to make the payment and could not find the link. After calling around, I was told the account was charged off five days after I was told to make the second payment and sent to collection. I was then told to call the collection company to dispute the bill so they could initiate an investigation. I did but then I received written correspondence that they could not find evidence of the XXXX payment. I responded by explaining that Synchrony had removed the link so I could make the payment and closed my complaint. 

I then sent another dispute letter with the final payment and expressed this was the final payment for the settlement they had prevented me from paying on time in XXXX and acceptance of the payment is their agreement to accept the final payment. Synchrony accepted the payment but then sent me another letter claiming they did not see my payment 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 2024-04-09 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: NY

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
During our 5 months trip to XXXX for daughter XXXX, XXXX XXXX didn't respect the contract made with XXXX XXXX stating that XXXX  wasn't in XXXX but under XXXX. 
They started charging our card {$940.00} every month which I disputed right away. 
Under the advice of USAA, I cancelled my first card but USAA still accepted amounts to be debited to the new USAA card which they had send by XXXX. XXXX charged all kinds of other amounts which I was never told as what it was for or didn't authorized these amounts, written or verbally. They even charged a card after cancelling the new one, a card which was in our safe. Fines for handicaped parking space was also charge although I had send several copies of the XXXX handicaped car of my daughter which was allowing the car to be parked on that spot. 
i have since XX/XX/2023 disputed many times, their decisions ( USAA ) but still no answers and them allowing for XXXX to still take amounts out of the credit card account even as the car was already in their possession, they charged us {$910.00} - disputed once again but still no actions from USAA. USAA is supposed to protect their service members

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Urgent Complaint Regarding Fraudulent Navy Federal BANK Account : Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent Navy Federal account. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. I have reported this Navy Federal Bank account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. During their investigation, Navy Federal Bank provided erroneous information, claiming that the aforementioned account is mine without sending documentation of findings of verification. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity fraud associated with this account. I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent Navy Federal Bank account be removed f immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into Navy Federal practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. I appreciate your attention to this matter and look forward to a swift resolution. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
My understanding is that FCRA 605B obliges us to eradicate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several listed accounts contain inaccuracies in their reporting, including incorrect amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I have contacted XXXX and Experian regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
XXXX XXXXXXXX # XXXX account information incorrect and must be deleted -XXXX XXXX XXXX XXXX XXXXXXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) -XXXX XXXX XXXX XXXXXXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Io, Inc.
State: TX

Complaint narrative:
I have contacted XXXX and XXXX regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
XXXX XXXX XXXX  XXXX account information incorrect and must be deleted -Receivable management systems XXXX XXXXXXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) XXXX XXXX XXXX XXXXXXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was trying to buy a condo and my seller agents email got hacked, and the scammer impersonated that agent through email, then sent me the fraud wire instructions which I sent {$760000.00} to on XX/XX/year> which is a Friday. On Monday, XX/XX/year>, I realized it was a scam and called my banks and the receiving bank to report the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Dispute auto loan debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CO

Complaint narrative:
I have a cash app account. Cash app has a rewards program for referring people to cash app. I send a referral to a family or friend, they sign up with my code and after meeting requirements I get {$15.00} and they get {$5.00}. I will attach a list of requirements from the terms and conditions. When we sign up for cash app we have to agree to the terms and conditions. This outlines everything from Limits, to disputes, rewards. Once I hit accept. It becomes legally binding. If I were to violate any term or conditions they could enforce it. This is outlined in XXXX XXXX. The requirements to receive a welcome bonus are to sign up for, link a debit or bank account or activate a cash card for people under 18 and send {$5.00}. Sponsor to sponsored accounts are not eligible. I sent a referral and met the requirements outlined under the terms and conditions I agreed to. The referral bonus was denied for both accounts. I reached out to customer service and they wont provide an exact reason but they outlined requirements that have a lot more stipulations than what is laid out in their T & C. This information is not readily accessible for an account holder to view. I take this to be fraudulent and a deceptive practice they use in an attempt to get more people to open cash app accounts. Theres no accountability with them, you get nowhere talking to them as when they feel backed into a wall they say they have provided all the information they can and abruptly end the chat. If new conditions are added to the requirements they need to update their terms and conditions and have everyone agree to it. Its fraud and deception and the CFPB should investigate.

Company response to consumer: Closed with explanation