vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
This company is refusing to give me my money and refusing to reopen my account I have contacted them everyday and they refuse to respond to me or give me insight on my funds they need to unlock my account immediately and let me withdraw my money my phone is XXXX last four of ssn XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXX XXXX XXXX account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-10-27 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: GA

Complaint narrative:
O sent a dispute and a ftc and police report that and an account was fraudulent and with 10 days the credit bureau responded back validated.. Thad account is XXXXXXXX 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
The following accounts I did not authorize them to be opened, and would like them removed from my Early Warning consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Truist Bank is reporting a settled account inaccurately from five years ago. The account shows {$3400.00} balance when the amount was mutually settled in 2018. Truist reports the amount to XXXX as open and no XXXX balance per agreement. It is inaccurate and should be deleted per the FCRA and my scores with XXXX should be updated. The notation should be PAID AS AGREED and no further credit reporting to any agency. 

These items were also disputed during Covid and Truist illegally sought to collect these items after they had been paid and agreed. Call logs with XXXX & XXXX XXXX years ago were not updated during the merger.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Id like to consider these all identity theft because, I am not aware of any of these inquiries and didnt give my information to anyone to in any sort to perform any activities in this sort.

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 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Hi CFPB, My complaint is related to deceptive and predatory practices that I have experienced being employed by two different store-credit card agencies as it relates to promotional interest-free periods. One was on a card through XXXX XXXX XXXX ( furnished by XXXX ) and the other through a west-coast jeweler ( Shane Co XXXX card furnished by TD XXXX ). 

These stores will offer promotional interest free purchases as long as the balance is paid off by a certain date. All that is good, but both employ practices where in the final months of the interest free period, they will apply payments in the excess of the minimum payment to the deferred interest that is NOT OWED to the creditor until the promotional period lapses with a balance owed to the creditor. 

Using some basic numbers to illustrate what they are doing, a consumer makes a purchase of {$2400.00} with a 12 month deferred interest period and makes payments of {$200.00} a month for 12 months. The minimum payment is {$25.00} per month, interest accrues and is deferred over that period. by the time the consumer gets to month 11, they have made {$2000.00} in principal payments, with {$400.00} left to pay off. However, these two creditors ( and I am sure others ) take month 11 and month 12 payments of {$200.00} each and apply {$25.00} ( the minimum payment ) to principal balance, and the remaining {$170.00} is applied to deferred interest. 

This is predatory since a reasonable consumer will figure that they need to pay off this balance in 12 months with 12 equal monthly payments of {$200.00}. Instead, they pay {$350.00} in to deferred interest in the final two months and then the promotional interest period becomes null and void because they did not pay off their balance within 12 months. This is in spite of making on-time payments towards their principal balance and being under NO obligation to pay the creditor a XXXX of interest under the clear and obvious interpretation of the creditors marketing. 

In the attached email TD XXXX admits to the practice and I can appreciate the reminder, since I went through this with XXXX XXXX However, not everyone pays as close attention to their email, and this is still fundamentally stealing interest payments from customers who do not owe the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
A bankruptcy discharge was placed on all three credit agencies after I asked that my information not be reported

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 2023-10-28 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: FL

Complaint narrative:
A bankruptcy discharge was placed on all three credit agencies after I asked that my information not be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-28 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I pay capital one there XXXX off now there saying I owe XXXX. but not due till XXXX but report me to all XXXX credit B late payment but my payment not do till nov.when I spoken to customers service and supervisors. They see that and refuse to report to the XXXX XXXX XXXX that they made mistake her XXXX not do till XX/XX/XXXX but instead they keep jacking my credit up now with this late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, Bank of America will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: DC

Complaint narrative:
I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been 30-59 days as reported in XXXX XXXXI was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in XXXXwo payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Account was used unauthorized charges, company said they would close the account, and issue a closure check in the amoumt of XXXX Chime is now saying account is now negative, and no check was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I started receiving calls from BARCLAYS BANK around XX/XX/2023. They will call me several times a day. When I would answer the calls they would hang up. I finally decided to call back and ask why they calling my cell phone and she stated she could not give me any information. This was on XX/XX/XXXX of 2023. I advised her XX/XX/XXXX of 2023 if she can not give me any information to do not call my cell phone any longer and put my phone number on the do not call list. They continued to call my phone time after time after I requested Do not Call. I do have several screenshots and a phone record. I finally answered one of the calls again, and again they hung up. So I called back And asked them who are they looking for? She took my phone number and stated my full name. I advised her that I am the person that you're looking for. I advised her again that I requested that they do not call me XX/XX/XXXX of 2023. However I have been getting calls ever since then. We went over the account, and she advised me that the account was past due because of check return. I advised her that the rebate was not applied in time and when I paid the payment, it told me I had a XXXX balance. She went to explain about the rebate and what the rebate covered. I advised her I would touch bases with my bank in reference to the payment returning. However, the rebate was the issue. A few days later I begin to get calls again from BARCLAYS BANK. Again when I would answer, they would hang up. I called back I believe XX/XX/XXXX and asked them why they still calling me when I asked to be put on the do not call list and Do not Call my cell phone phone. The young lady profusely, apologize and stated she would put my number as Do not Call.

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 2023-10-28 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: GA

Complaint narrative:
The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief