vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
Due to multiple attempts to login last month and again this month the TD Bank Target RedCard system errantly ( because it is not programmed appropriately ) forced my on time payment last month to post a day later resulting in a {$30.00} late fee which I adamantly disagree with! 
I tried to pay my bill yesterday to avoid this same issue and suffered a XXXX XXXX XXXXXXXX fiasco that resulted in me changing my password and trying to log in from at least XXXX different browsers before I was finally able to login and pay my bloated double the amount minimum monthly payment. 
The fact that this almost happened again really XXXX me off because I absolutely do not want to deal with you again about anything like this. You are the only one this terrible on issues like this. 
This issue for XXXX further proves that I am right and that I need to have that {$30.00} late fee from XXXX reversed! I PAID MY BILL AND I PAID IT ON TIME!! You absolutely should not penalize and mistreat your credit customers who are and who are trying to pay their bill!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TN

Complaint narrative:
Experian has constantly allowed fraudulent undocumented activity on my credit report under the guise they will " investigate '', which properly and professionally implies they are going to demand documentation and proof, which the do not, they merely ask XXXX XXXX XXXX who's has constantly been reporting false and fraudulent credit slandering reports against me for at least months, refusing all my demands their predicated and required to provide to me which is proof and validation of which they have refused to show me, any credit agency and any other agency even the CFPB, and Experian and other agencies mislead and flat out lie and say they verified the accuracy, because they haven't properly and I know because not only did they tell me finally that's the extent of their incompetent investigation which favors them and scammers, but I know doesn't exist because it's impossible to produce as its a lie and not mine.So I request Experian do their due diligence in requiring what I've so far been denied, proof, documentation and validation from XXXX XXXX XXXX and provide it to me as well, and as soon as they act honestly, entrusted with allour sensitive info you will see XXXX XXXX XXXX as the scam they are and all FCRA, FDCPA, CPA, etc. they have ignored to follow intentional, thus it will stop.If not, what experian and the others allow is a scammers dream and is wrong.So in closing while I have discussions with the OCC about the negligent incompetence I expect them to provide what I demand per my rights under just the minimum of FCRA, Proof and validation and removal of all false and fraudulent credit reporting against me.I write this after again getting an incompetent reckless false notice they verified yet again with no documentation required taking these scammers at their word.This incompetence must stop it is damaging to everyone as the by not properly requiring proof, documentation, and validation can only be see as complicitness and facilitating more scammers, thus isn't right and must stop. 
Not too mention you can rarely get someone on the phone unless you make them think they might make money off you.WRONG MUST CHANGE.More regulation needed, much more, and should not be privatized for profit period as this is what happens what there wrongfully doing to me and no telling how many others.This must stop.Just to be clear it's still wrong, and I strongly dispute it and dispute experians manipulation. 
*May contain some typos due to keyboard

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 2023-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have made this complaint about Comenity Bank probably XXXX times now. 
They have an unfair and unethical practice of reducing credit limits when they notice that you are paying down your balance. Example your balance is XXXX, you pay it down to XXXX, they lower your limit to make it look like you are maxed out. You pay it down to {$200.00}, they will lower it to {$100.00}. They claim its after a review of your account, but its false. Even if your score has not changed, they do this to purposely harm your credit. NO other credit card company does this to me. 
They claimed it was because my score lowered but theyve been doing this for years & I received a notification my credit score actually went up.

Please pull my previous complaint for the screenshots but this is the newest one I got. 
I did a little test run. I paid off my credit card with them. The limit was {$400.00}. I paid it off and today ( XX/XX/XXXX ) I received a letter saying they lowered it to {$100.00} after a review of my account. 
Meanwhile I received a credit alert saying my score increased so why did they lower it? Theyre purposely trying to ruin customers credits. This bank is so unethical and I think this practice itself needs to be stopped because I guarantee I am not the only customer they are harming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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 2023-11-08 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: 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts from my file ASAP. Also, I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : XXXX XXXX XXXX XXXXXXXX XXXX, 2023, XXXX XXXX XXXX XXXX XXXX, 2023, and XXXX XXXX XXXX  XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: CA

Complaint narrative:
XXXX said that they had information on me I also with through the XXXX was well with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XX/XX/2023 I contacted XXXX XXXX XXXX services. I made them aware of a 30 day late payment that was being reflected on my credit report. I told them this confused me as the card was paid in full in XX/XX/2023 and I have not used the card. XXXX confirmed that the amount shown on the card was for a recurring charge ( that should not have posted ). XXXX, 1 ) corrected the account 2 ) refunded the late payment they charged and 3 ) notified Experian that the 30 day late should NOT be on my credit report. Experian initially removed the 30 day late from my credit report. At that time XX/XX/2023 I had an XXXX credit score with Experian I then contacted XXXX to close the card to ensure I did not have any further credit recurring charges, breaches or other issues. When XXXX notified Experian in the next round of monthly updates that the card was closed, Experian then updated my file to reflect the XXXX card being closed and at the same time CHANGED THE XX/XX/2023 payment back to a negative reporting result. 

I then contacted XXXX to determine if this was an error or possibly even a retaliatory action on XXXX 's part because I closed the credit card. XXXX was very helpful and I spoke with 3 different representatives in 3 different departments, ( recording each call ) and confirming that ALL 3 DEPARTMENTS CONFIRMED that there should be NO LATE PAYMENTS REFLECTED ON THE ACCOUNT. I notified Experian Experian has refused on 3 separate occasions to update and correct the information. Please know that should I not be able to resolve this issue with Experian with the help of the CFPB it is my intention to seek the advice and support of legal counsel to use all of the avenues available under the law to ensure that Experian follows their legal obligation to provide accurate information.

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 2023-11-08 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2023 i disputed and asked the company for original contract with my signature .Company did not respond back with documentation...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have contacted XXXX multiple times and filed XXXX separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a zero balance. This letter was upload to XXXX via the XXXX portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Attached are a letter I wrote to Chase, and a copy of the XXXX XXXX XXXX they provided me. 
You will see that there is NO mention on the XXXX XXXX XXXX, that the credit card must remain active in order to utilize the XXXX XXXX XXXX. 
Chase should clearly state the terms of usage on the XXXX XXXX XXXX. It is the main written contract the customer pays attention to, and has from them. They can not provide one terms of service, and then another, different one ; and have the option of choosing which one they prefer to utilize.

They should be help accountable for their false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
missing 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a fraud alert on consumer credit report which is not allowing me to get financing for my home loan. I have never frauded Bank of American. I wasnt aware of an investigation nor notified that my account was closed due to fraud. No communication until I called to see what was going on.

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 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Trying to collect on account that I have no knowledge of I never done business with this company XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I wish to update my account information on all 3 credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all 3 reports with my only name. Now i am notifying online with my current information that includes new phone line and email address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I wish to update my account information on all 3 credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all 3 reports with my only name. Now i am notifying online with my current information that includes new phone line and email address

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I had an account with XXXX XXXX that was closed in XXXX. The account was charged off - the Financial Institution labeled the reason as " ACCOUNT ABUSE '' when in fact it was not. The negative balance occurred because I was laid off and out of work due to Covid. The balance when charged off was {$160.00}. I paid the account IN FULL within less than two weeks. The bank reversed the fees due to the nature of the scenario - however they never edited the label from account abuse. I disputed this account with Early Warning Services and they refused to research. The onus of responsibility should not be on a consumer to prove that they DID NOT prove a crime. In America you are innocent until proven guilty - if XXXX XXXX is claiming that my account was close due to account abuse they need to produce the instruments and documents that prove this. They won't be able to do that because there was no account abuse. The negative balance would have been covered right away had I not been laid off from work as a result of the Covid 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TN

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 2023-11-08 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: TN

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