vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I bank with US Bank, and I have been a good customer for several years. On XX/XX/year> I took a cash advance of {$2000.00} on that day I was charged a cash advance fee of {$100.00} on my XXXX card. There was a balance on the card of {$3700.00}. On XX/XX/year> I was charged an interest fee of {$40.00} as well as {$82.00} on the same date. On XX/XX/year> XXXX I made XXXX payments of {$130.00}. On XX/XX/year> I made a payment of {$500.00} and on XX/XX/year> I made another payment of {$500.00} as well as a payment for {$1000.00} to pay off my cash advance. 
Instead of applying the {$2200.00} toward my cash advance. The bank then applied the payments toward my outstanding balance, and now they are charging me a 29.99 % daily on the balance I had before I made the cash advance. I intended for the payments to pay off my cash advance instead they are now saying I have to pay the balance on my credit card to stop the interest from accruing daily. 

I believe this is 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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: VA

Complaint narrative:
Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX We have enclosed the Arbitration Form outlining the specific details of our dispute. We hereby notify our intent to formally demand that Experian assume responsibility for covering the arbitration costs as required, prior to proceeding with the filing of this case with the XXXX XXXX XXXX ( XXXX ). 
To avoid arbitration, please address this matter promptly and confirm your compliance in writing. 

15 U.S. Code 1666b - Timing of 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. 

REMOVAL OF ALL LATE PAYMENTS IMMEDIATELY - UPDATE ACCOUNT " PAID AS AGREED " Account : XXXX XXXX Account XXXX Pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o, this correspondence serves as formal notice that your continued failure to address and resolve the inaccuracies in my consumer report constitutes willful noncompliance and negligence under the Fair Credit Reporting Act ( FCRA ). Your obligations under federal law require the maintenance of accurate and complete consumer files, and your failure to take corrective action after being notified of this matter underscores a disregard for your legal responsibilities. Enclosed, please find an arbitration form that I am prepared to submit should this matter remain unresolved. I urge you to rectify this issue promptly to avoid further legal action necessary to enforce my rights under the FCRA. 

XXXX XXXX Account XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so HERE AND NOW! It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( XXXX ) here and now. ALL claims, appropriate or not, must be apodictic to be currently and fully bona fide, CORRECT, COMPLETE, TIMELY, of principal OWNERSHIP, of principal RESPONSIBILITY. Applicable reporting laws and requisite standards, which is currently the XXXX, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others. document laws and needed reporting standards, you or any entity are in infringement of XXXX XXXX rights. Should you continue to cling to and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be authoritative, correct, complete, timely, or else wise fully compliant.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I received a call from Penny Loan Mac that I was past due on my mortgage payment in XXXX. Apparently, there was a payment notification change sent to my email address instead of my mailing address. I have yet to receive the payment change notification and its effective date. Apparently, some smart person at Penny Mac decided that customers that have mailing statement preferences should get electronic notifications relating to payment changes. Additionally, the company does not have controls in place to ensure that customers are opening emails or receiving these IMPORTANT notifications. 

ALL of my important statements/notifications are sent to MAILING ADDRESS NOT MY EMAIL so I can open them and take action. I now have 3 late charges and two past due payments. You wouldn't hesitate to start foreclosure proceedings due to the XXXX person who came up with this bright idea to send notifications vie email for customers that have mailing preference. 

I want this situation remediated asap and all 3 late charges refunded I want ALL payment notification sent to my mailing address like my statements I want a letter explaining what my balance is because I paid the difference and made the payment change immediately however your deceptive company decided to take my monies and apply them to late charges instead of my payment that is due putting me behind two payments when all of the payments were made. 

The CFPB should work with Penny Mac to find out how many other people have been affected and remediated. This is an unacceptable practice.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the validity of a collection accounts appearing on my credit report. These accounts are over seven years old and appears to have been re-aged, which violates federal law. Additionally, I believe the account is tied to identity theft. I am requesting the immediate removal of the following fraudulent collection accounts from my credit report : 1.Collection Agency Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX XXXX Agency Name : HP SEARS Collection Original Creditor : HP SEARS Date Fraud Began XXXX XX/XX/XXXX Date I Discovered Fraud : XX/XX/XXXX Legal Basis for Removal 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Section 605 ( a ) : Reporting Timeframe Negative information, including collections, can not be reported for more than 7 years from the date of first delinquency ( DOFD ). These accounts are beyond this timeframe and must be removed. 
Section 611 : Dispute Resolution As part of my dispute, I request that you investigate and verify the accuracy of these accounts. If you can not verify their legitimacy within 30 days, you are required by law to remove them. 
Section 623 ( a ) ( 5 ) : Responsibility of Furnishers Re-aging the date of delinquency is a violation of FCRA. This appears to have occurred in the accounts listed above. You are obligated to report the correct XXXX, which determines the reporting timeframe. 

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 8 ) : Misrepresentation Reporting false or misleading information, such as incorrect dates or account re-aging, violates the FDCPA. 
Section 809 ( b ) : Validation of Debts If the collection agency can not validate the debts and prove they are legitimate, they must cease all collection efforts and delete the accounts from my credit report.

Company public response: Company disputes the facts presented in the complaint
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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting Equifax in regards to the recent response to my CFPB Complaint # XXXX. Again, Equifax has not properly provided verification of method of verification. A data furnisher is not sufficient to confirm/verify and it is obvious that they are not reading through the complaints! This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you.

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 information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this 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 2024-12-23 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: IN

Complaint narrative:
whoever willfully & knowingly gives false or inaccurate information. 15 USC 1611 giving false or inaccurate information or failure to provide information which they are required to disclose under this provision The date the account was closed does not align between experian & XXXX. This inconsistency violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate & up to date records

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates , LLC. has contacted me over 20 times over the past 3 months in an attempt to collect a previous debt. Each time they have contacted me, they have utilized various phone numbers in efforts to get me to answer the phone. Each representative has been asked to provide me with information regarding my debt to be mailed to me via USPS. I have verified they have the correct physical address where I receive mail. To date, I have received no correspondence from their offices. Today at XXXX I received another phone call from this company. I verbally gave them a Cease and Desist and advised them that Ive been willing to work with them, but just need documentation from them to ensure this is an actual debt. They have failed to provide requested documentation on several attempts, but continue to call. I advised the company today that I will no longer accept any phone calls from their organization until I receive proper documentation of my debt from them via USPS. This is harassing behavior on the companies part, and I have begun to speak with legal council regarding this.

Company response to consumer: Closed with non-monetary relief