vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I went to Lowes and made a payment in person on my Lowes credit card. I was going to be traveling so I asked the associate to take the full payment and pay off my balance. I told the associate I was going to be traveling. They took my payment and told me my account was paid in full. Today, On XX/XX/XXXX, I noticed I had received a bill from Lowes in this bill. I had late fees in XXXX and additional fees in XXXX. When I spoke to the associate on the phone through the Lowes credit card, they told me that store employees cant take full payments. I informed them that the associate in the store told me my balance was paid in full because I was traveling. The store employees are representatives of, the credit card and that should be honored. I now have late fees because I wasnt even in town to receive a bill yet. The credit card company has said that they would not be able to do anything for me. And that I am required for the entire balance now {$10.00}. Personally, I believe this is whats called debate and switch because I was told by the Lowes in store rep that I had paid my account in full only to find that now I have these extra fees and I feel thats very predatory for consumers.

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
i have many charges on my account from online sources and duplicate charges that wells Fargo has refused to investigate thoroughly according to fraud protection. they denied my claim immediately with no explanation

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 2024-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
I have a personal loan with OneMain Financial. 
OneMain Financial has been sending multiple emails and letters to me stating that due to my excellent payment history, I am pre-approved for up to a certain amount in additional loan and that it is a quick process that requires no phone calls or documentation. 
I have fallen for this false advertising twice with this company, once for a smaller amount that I was denied for earlier this year, and one that I was denied for last week but only found out today after calling the local office multiple times with no help. This advertising leads consumers into thinking that everything is already approved and that it is a quick process, only to find themselves negatively impacting their credit score for a loan application and getting denied because changes in income, etc. The business is taking advantage of consumers who are in need of money, if they weren't in need of money, they would not be applying for a loan, especially one with a high interest rate like OneMain offers. This kind of marketing needs to end. Consumers should have a crystal clear view of what a loan application process will be and what it requires as well as how it impacts credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: MA

Complaint narrative:
Level one law said they would negotiate my debt and never did. Took XXXX and not XXXX account was settled. Did refund XXXX and said rest was fees

Company response to consumer: Untimely response
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
citi is reporting to XXXX XXXX  that i basically wrote a fraudulent check wth no proof of the check nor the purchase agreement. ive disputed with citi and XXXX XXXX as well. that this was not my doing. they are reporting fraudulent activity on my behalf but in actuality is on their 's. XX/XX/year> is the date in question ... in the amount of 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 2024-07-08 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:
I have been identified as a victim of Trafficking that has resulted in Debt Bondage and effects my consumer report. As a Survivor of XXXX XXXX or XXXX trafficking, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.

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 2024-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I would like to dispute this under 15 USC 1692c

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-08 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: NY

Complaint narrative:
Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from XXXX, XXXX, and TransUnion, and confirmed the inaccurate information.

2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report.

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.

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 2024-07-08 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: NY

Complaint narrative:
Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from Equifax, XXXX, and XXXX, and confirmed the inaccurate information. 
2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report.

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: NY

Complaint narrative:
Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from XXXX, Experian, and XXXX, and confirmed the inaccurate information. 
2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report. 

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX of MANY soft credit checks on my report as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have not used my credit and have over 50 credit checks since the beginning of XXXX ... this is only ONE company and i dont kknow what to do because my mother stole my identity!

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 2024-07-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a {$50.00} VISA gift card issued by US Bank NA which I can not use. I contacted the website and the phone number provided on the back of the gift card ( and listed below ) several times. I was told no information was available for the card number and security code I provided. I was told to furnish a copy of my driver 's license by fax with copies of the front and back of the gift card. This impresses me as a scam. 

I also called US Bank and was informed the card could neither be verified nor serviced by US Bank. 

XXXX XXXX XXXX XXXX ( telephone ) XXXX ( fax )

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not allowed to put fraud alert in my credit file

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 XXXX  USC XXXX.

and list of Inquiries.

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

XXXX  U.S.C XXXX  Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX  U.S.C. XXXXXXXX ( XXXX  ) ( XXXX ) 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 explanation
Consumer complaint received 2024-07-08 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: MO

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 use 1681. 

XXXX XXXX XXXX # XXXX XXXX  child support enforcement # XXXX, # XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
RE : DEMAND TO COMPLY ; Your Company Violated the United States Code Law You are Seriously Violating the United States Code Law and Ruining My Life & My Reputation, as a Natural Person. Your company is continuously reporting Inaccurate and False Information that is Misleading.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, UNVERIFABLE and INVALIDATED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

Company response to consumer: Closed with non-monetary relief