vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
On XX/XX/year>, made a purchase at XXXX XXXX, XXXX XXXX on the total amount of {$XXXX}, where I was offered the possibility of making the payment in installments. 

Firstly, they made me put my information into XXXX XXXX  ( First National Bank of Omaha XXXX where a limit of $ XXXX was granted, the attendant for reset mentioned system was not working and the transaction did not go through, I even received this note from skeps. On the other day, I received a notification from XXXX saying reset has confirmed a purchase on the amount of XXXX $ XXXX. 

I was asked to return to the store and, then XXXX, the XXXX who supported me, mentioned they would use XXXX and asked for my debit card details and ended up entering another loan in my name on the amount of $ XXXX. I have noticed that in the same day and he mentioned this was going to be adjusted once purchase is processed. 

I have been contacting the company since them and all they say is give us a couple of more days. 

I am still holding on my name XXXX loans ( XXXX with FNBO on the amount of XXXX $ XXXX and XXXX with affirm, on the amount of XXXX $ XXXX, and I do not have any purchase on such amounts and no one from reset is resolving my problem. I have contacted Affirm, who opened a dispute an contacted FNBO, who simply says that they are taking care of it, but tomorrow I have an installment being debited from my account, on a U $ XXXX loan I never received ( nor made a purchase on such amount ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-09-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] reported on XX/XX/XXXX and then it says i opened this account XX/XX/XXXX XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and XXXX  days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ Portfolio Recovery  ] [ XXXX ] reported activity XX/XX/XXXX and then it says collections every month XXXX : [ Portfolio Recovery ] [ XXXX ] says i opened this account XX/XX/XXXX and last reported XX/XX/XXXX how can i charge off account still provide updates XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is closed and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and 120 days every month XXXX : [ XXXX XXXX ] [ XXXX ] reported activity XX/XX/XXXX and then it says account is open and XXXX  days every month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
A scammer contacted me on XX/XX/XXXX impersonating XXXX associate. XXXX indication there was an issue with my bank account at bank XXXX XXXX for a person from TD Bank trying to get my funds. 
Scammer used TD bank account for a wire transfer of {$XXXX} that occurred on this date XX/XX/XXXX. I spoke with BOA customer service on XX/XX/XXXX and found the caller was not from XXXX and that it was a scammer. I contacted TD Bank customer service XXXX on XX/XX/XXXX at XXXX and associate spoken to saw the {$XXXX} wire transaction. On XX/XX/XXXX, I went to the TD branch located at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX around noon and spoke with the bank XXXX who was able to look at the system to see the transaction who said he was reporting that I was asking for funds to be returned. I filed complaints on XXXX and they informed me they have asked for the funds twice from TD Bank with no response as of XXXX. I would like TD bank to be investigated since they were informed of the fraud immediately and did nothing to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with those crediotrs 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my business accounts unilaterally, these accounts contained nearly {$XXXX} belonging to me and my employees and my clients. They claim to have sent a closure notice months ago to an old address I had changed. Regardless, they " restricted '' the account over XXXX weeks ago and closed the account over a week ago and they have still not given me tracking information for my checks. XXXX weeks to close an account is insane how am I supposed to pay my bills and my vendors and my employees?

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

Complaint narrative:
As of XX/XX/2024 the following accounts with XXXX  XXXX XXXX XXXX are in active arbitration due to an unresolved Billing Error : XXXX, XXXX, XXXX XXXX Case # XXXX According to 12 CFR 1026.13 ( 1 ) and ( 2 ) : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.

Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2024 the following accounts with XXXX  XXXX XXXX XXXX are in active arbitration due to an unresolved Billing Error : XXXX, XXXX, XXXX XXXX Case # XXXX According t

o 12 CFR 1026.13 ( 1 ) and ( 2 ) : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.

Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As of XX/XX/ the following accounts with XXXX XXXX XXXX XXXX are in active arbitration due to an unresolved Billing Error : XXXX XXXX XXXX XXXX Case # XXXX According

to 12 CFR 1026.13 ( 1 ) and ( 2 ) : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related
finance or other charges.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have adverse accounts on my report due to XXXX XXXX. 
I sent a certified letter to Experian XXXX XXXX. 
Experian received it on XX/XX/year>. 
According to section 605C of the Fair Credit Reporting Act, Experian has to block this information from my credit report within four business days or at least contact me and let me know if there is a problem. I had heard nothing via email or mail from the company. 

Experian is making everyday consumers that suffer from XXXX XXXX  suffer more by reliving this experience over and over when I have to keep calling and wondering how my life will be altered by their negligence.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have adverse accounts on my report due to XXXX XXXX. 
I sent a certified letter to Experian XXXX XXXX. 
Experian received it on XX/XX/2024. 
According to section 605C of the Fair Credit Reporting Act, Experian has to block this information from my credit report within four business days or at least contact me and let me know if there is a problem. I had heard nothing via email or mail from the company. 

Experian is making everyday consumers that suffer from XXXX XXXX  suffer more by reliving this experience over and over when I have to keep calling and wondering how my life will be altered by their negligence.

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 2024-09-09 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year> I was notified via mail by Synchrony Bank that my Lowes credit card account was closed for " indicative of high risk of failure to pay '' despite offering no evidence of my ever missing a payment or overdrawing the account. When contacted via phone for an explanation, none was provided. Additionally, my credit rating scores are outstanding.

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 2024-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello I have noticed several inquries on my report that i did not authorize I've reached out and sent credit bureaus ftc report etc and nothing has happen here are the inquiries... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09 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: VA

Complaint narrative:
This accounts to reporting inaccurately and are false. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without your knowledge. This is aggravated identity theft and identity theft!!!! according to the 18 U.S. Code 1028A.I did not apply for these credits! I am taking appropriate measure so clean my credit after identity theft but the bureaus have been unresponsive. I have attached all my information for this request. I have also filed a official identity theft report with all the information and account that i did not apply for. THESE ACCOUNT NEED TO BE REMOVED BECAUSE THESE ARE NOT MINE. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.

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