vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/2024 I filled out an application for a Home Depot credit card. I have a pro account. They said my application was processed under a consumer account. they want me to fill out another application and apply for a new card. They sale item with no longer be on sale. I will not get the {$100.00} off on my first purchase because the item is no longer available. Ive been on the phone with Home Depot and Home Depot credit card account and no one has even said they were sorry. Please fine them for there mistake.

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to formally address the closure of my Synchrony account, which was conducted without sufficient notice or explanation. While your representatives cited " rejected '' payments as the cause, I did not receive any correspondence via phone or email regarding these issues, despite consistently receiving other communications such as payment reminders, billing statements, and confirmations of successful payments. 

The billing system indicated that my account was up to date, and all payments were made on time and prior to their due dates. Despite this, I was informed by customer service managers that the account can not be reinstated. This decision feels unwarranted and fails to consider the lack of proper notification or opportunity for resolution. 

I am requesting : 1. Reinstatement of my account to rectify the improper closure. 
2. Forgiveness and removal of any delinquency reported on my credit profile. 
3. A remedy to address this issue, ensuring better communication and transparency moving forward. 

Your representatives offer to resend the closure notifications with a 24-48 hour delay underscores the ongoing lack of timely and effective communication. I strongly urge you to address this matter promptly and provide a fair resolution. I look forward to your timely response.

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 2024-12-23 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: PA

Complaint narrative:
This company continues to furnish fraudulent information to my report. Company was notified via priority mail, to stop furnishing this account to my report. Company was also sent a copy of the FTC report listing this account as fraudulent. This is a direct violation of USC 1681. The debt collector & CRA also engaged in abusive deceptive and unfair practices.This is also a direct violation of FDCPA. According to the FDCPA i am entitled to {$1000.00} per violation and they clearly violated my rights. 

Account name : XXXX XXXX Account number : 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 2024-12-23 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: NJ

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-23 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 650C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the followingaccounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions. 
Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Personal Loan Companies Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : XXXX XXXX XXXX Payment History : 30-day late payment noted for XX/XX/XXXX ; 60-day late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported 30-day and 60-day late payments are erroneous. 
Inconsistent " Date Opened '' and " Date Reported '' compared to prior records. 
Requested Resolution : I request that Experian conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of XXXX XXXX on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, 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 2024-12-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Personal Loan Companies Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : XXXX XXXX XXXX Payment History : 30-day late payment noted for XX/XX/XXXX ; 60-day late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported 30-day and 60-day late payments are erroneous.

Inconsistent " Date Opened '' and " Date Reported '' compared to prior records. 
Requested Resolution : I request that Experian conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of XXXX XXXX on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, 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 2024-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a wells Fargo Charge card that has 18 months interest free. I typically make a payment every XXXX weeks on my payday. I am still getting monthly due date notification emails with late fee warnings on the off week between payments and was 1 time charged a XXXX dollar late fee when I made a payment approximately 2 weeks prior

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 2024-12-23 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: MD

Complaint narrative:
I am writing to formally dispute the reappearance of information on my credit report that was previously removed due to its identification as fraudulent and related to identity theft. This action is in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block information resulting from identity theft upon receiving proper documentation. Furthermore, Section 611 ( a ) ( 5 ) ( B ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) prohibits the reinsertion of previously deleted information unless the bureau : 1. Certifies the accuracy of the information, 2. Notifies the consumer in writing within five business days, and 3. Provides the name and contact information of the furnisher who certified the informations validity. 

The reinserted item is attached to the identity, theft affidavit statement, which is enclosed. 

As I have not been provided with any certification or notification regarding this reinsertion, this constitutes a violation of the FCRA. 

I request the following actions immediately : 1. Reinvestigation and Removal : Conduct a thorough reinvestigation and permanently remove the fraudulent information. 
2. Provide Documentation : Send me copies of all information and documentation that was provided by the furnisher of the disputed account to verify its validity. 
XXXX. XXXX XXXX : Ensure compliance with the FCRA in future handling of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was XXXX XXXX  from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
XX/XX/2024, sold positions on Robinhood. Attempted to withdraw funds back to original bank account, but account was restricted immediately with no reasoning described. Attempted to contact Robinhood with no answer or ability to create support ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Credit Collection Services regarding their actions in attempting to collect an alleged debt that I do not owe. Specifically, I am disputing the debt in the amount of {$160.00} with the file number XXXX XXXX XXXX for account number XXXX XXXX, which they claim is owed to XXXX XXXX. 

I have never had any business dealings with Credit Collection Services nor XXXX XXXX, and the documents they have sent me do not substantiate the debt or clarify whether it is mine. In fact, the documents they sent include statements from XXXX XXXX in the names of my parents ( XXXX XXXX XXXX and XXXX XXXX ), but I was never granted Power of Attorney or any legal authority to represent their financial accounts. 

Specific Violations : Failure to Provide Debt Validation : After receiving an initial statement from Credit Collection Services, I sent them a formal request for debt validation, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I requested that they provide documentation to validate the debt, including a copy of the original signed contract and proof of my responsibility for this alleged debt. Instead, they sent me statements from XXXX XXXX with my parents ' names on them, which do not clarify whether this debt belongs to me or my parents. The documentation does not prove that I owe this debt. 

Failure to Respond to Cure Opportunity : I also sent an Opportunity to Cure letter requesting clarification on the debt and providing them with a chance to resolve the matter. However, I did not receive a response. Under the FDCPA, debt collectors are required to respond promptly when a consumer disputes a debt. 

Improper Collection Practices : Despite my clear dispute of the debt, Credit Collection Services has continued to send me communications regarding the alleged debt. They have not provided the necessary validation or clarification as requested. This constitutes improper collection practices, as they are continuing to pursue a debt without proving I owe it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In accordance with the fair credit reporting acts. This creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions. Under 15U.S. Code 1666Ba creditor may not treat a payment under a credit card under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
NEED CREDIT SCORE TO SHOW on all three Credit Reporting Bureaus. Fraud??? Please remove all charges listed on my credit report due to it being done out of fraud : 1- I don't owe {$26000.00} to " XXXX XXXX XXXX '' due to this being a HUD rental private. The CORP OFFC knows nothing about these charges. Office manager was made to put this on via due to threats as a result of a federal CT case ... Called " Licenses & Inspections on the maintenance due to leaving smoke detectors unfixed for XXXX years as even an attorney questioned when the management office had me falsely put in " XXXX XXXX XXXX '' out of retolation, ( which agents got me out.. )! Other vandalizations which XXXX constantly reported for XXXX  years were done to unit XXXX @ XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, which remained unrepaired until after I voluntarily moved out... Why did they allow me to move back in after I was sent away? ( My rent was only {$160.00} or so ) 1*- I'd likek to sue for violation of HPPA due to them threatening & using my XXXX  by having her be given y XXXX health records, ( falsified by XXXX XXXX XXXX which I later got a 2nd opinion from " XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) , in a false CT case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2- I never authorized my XXXX XXXX phone number : XXXX or any of her infor to be put on my credit report not even as a co-application. Please, remove since also done without her knowlegde! 
4-Phone number XXXX shouldn't be on report either. 
5-Disputing all Fed-Loan DEPT of Education loan since attorneys reported to Federal CT that in case : XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My Loan Servicers are supose to be XXXX XXXX. They reported all loans are paid in full. Check with Ct @ XXXX XXXX XXXX, XXXX, XXXX 
5-Remove all soft credit checks except XXXX XXXX XXXX Report fraud on XXXX XXXX  credit check, ( XX/XX/year> ), XXXX XXXX, XXXX, ( XX/XX/year> XXXX XXXX, I never applied for so beware, XXXX XXXX XXXX XXXX have been used without knowlegde due to her being an XXXX on one of my poetry books on XXXX, XXXX, : ( XXXX XXXX XXXX XXXX XXXX  '' ). 
7.Nevr resided XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 8. Show all credit scores on my reports for paid loans! as I am applying for 1st time home buyer 's & home mortgage. They need to see. Only with a property in 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 2024-12-23 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: NY

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: MD

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company response to consumer: Closed with explanation