vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Subject : Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, 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 2024-12-31 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: WV

Complaint narrative:
bought XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX XXXX a hard copy on credit XXXXXXXX XXXX XXXX XXXX  hard copy XXXX XXXX XXXX XXXX XXXX  dealer service hard copy on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financed with XXXX XXXX XXXX hard copy on credit file all items listed within 14 days should show as XXXX inquiry. pg XXXX file XXXX also pg XXXX address XXXXXXXX XXXX XXXX XXXX  fl.never lived there and i can t get 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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I inadvertently missed the payment due date on a Hilton Honors American Express card. The balance was {$16.00} for a single charge for a recurring subscription to a streaming service. As soon as I received notice from AmEx that the payment was missed, I paid the {$16.00} balance. My account was charged a {$16.00} late fee for the missed payment, which is over 94 % of the balance due! While it's very possible this is part of the XXXX  with American Express, this is a predatory late fee. I called to request that the late fee be waived, and was directed to their online chat. The chat agent submitted the request and it was declined. I've had this card for a little over a year and have never missed an on-time payment. I escalated to a supervisor and got the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was a signer on 2 capital one accounts. They have been closed. Capital one is still reporting these closed accts as open and derogatory. When the owner of the accounts tried to call and have me removed, since they have been placed in collections they wont take her call only tells her to call the collection agency, and the collection agency said they have no control over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year>, I ordered a XXXX XXXX credit card with Synchrony Bank and placed an order with the store. Due to issues and inappropriate conduct from XXXX XXXX, I cancelled the order prior to delivery. XXXX XXXX confirmed that the order was fully cancelled. 
Nevertheless, XXXX XXXX charged me a delivery fee of {$240.00} on XX/XX/year> after the order was cancelled. XXXX XXXX advised me that they didn't charge me anything. I received an emailed bill from Synchrony. 
On XX/XX/year>, I contacted Synchrony about the charge. At that time, the charge still appeared on my credit card. I disputed the charge and also closed my account. 
On XX/XX/year>, Synchrony mailed me a letter stating " I am pleased to let you know that a credit in the amount of {$240.00} was applied to your account on XX/XX/year> in response to your inquiry submitted on XX/XX/year>. If applicable, interest charges, fees, and delinquencies related to this adjustment have also been removed. These adjustments may have appeared on a prior statement ; if not, will appear on your next statement. '' At that time, I considered the matter closed with XXXX balance. 
On XX/XX/year>, I received an email that I had missed a payment and owed money. The balance was {$280.00}. I contact Synchrony Customer Service via phone who advised me that the dispute was resolved in my favor and they are not sure why I still have a balance due. After several attempts, they transferred me to another department who also confirmed it was in my favor. They then advised me that it would take 1 to 2 billing periods to credit even though it has been 60 days since the matter was closed and their letter to me indicated all fees, interest charges, and credits were already issued.

At that time, I asked for resolution. The representative advised me that she had to open a ticket and I would receive confirmation of resolution in 24 to 48 hours. Although I questioned this, I acquiesced as this was the only option. It has now been over 48 hours and as expected, there is no resolution. Now I have been charged a late fee and a billing statement fee after Synchrony advised me in writing the matter was resolved and all credits issued. This is also likely reporting to my credit reporting agencies. 

XXXX XXXX and Synchrony have proven to be unethical businesses.

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 2024-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I have been paying {$190.00} to MOHELA monthly since XX/XX/XXXX. That adds up to 16 payments of {$190.00} from XXXX XXXX XXXX Totaling to {$3100.00}. When I log into my Mohela account, there is no proof of these payments, anywhere. The bank statements specially say MOHELA. The representative at MOHELA asked me if I was paying someone elses loans which I surely hope I am not. Due to these charges and not knowing where my money has gone, coupled with hold times of XXXX hours and not being able to get in touch with additional MOHELA support, I filed 16 claims with my bank account for each month this charge was processed to MOHELA. I have frozen all further payments to MOHELA until I am given answers. This is an extremely distressing situation as I have thought I was paying off student loans in good conscience, only to find out that I have no idea where my money goes when I send it to MOHELA. I am apply to provide all 16 bank statements from MOHELA dating XX/XX/XXXX - XX/XX/XXXX. I have 16 bank statements to prove all charges. The images attached are my bank statements and my MOHELA payment history. Clearly they do not align. Please note that XXXX, XXXX on the bank statements is my mother, who co-signed my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: MT

Complaint narrative:
I am submitting this formal complaint against Ford Motor Credit Company ( " XXXX XXXX '' ) for their refusal to arbitrate a dispute, despite the binding arbitration agreement contained within our contract. 

XXXX XXXX  refusal to arbitrate is not only a breach of our contractual agreement but also a deliberate attempt to evade accountability for their numerous violations of federal and state laws. These violations include, but are not limited to, the following : Violations Committed by Ford Motor Credit Company Fair Credit Reporting Act ( FCRA ) Violations : XXXX XXXX failed to conduct a reasonable reinvestigation of disputed information, as required by FCRA 611 ( 15 U.S.C. 1681i ). 

XXXX XXXX failed to fulfill its obligations as a furnisher of information to Credit Reporting Agencies ( CRAs ), as outlined in FCRA 623 ( 15 U.S.C. 1681s-2 ).

Fair and Accurate Credit Transactions Act ( FACTA ) Violations : XXXX XXXX failed to ensure the accuracy and integrity of information reported to CRAs, as required under FACTA amendments to the FCRA. 

Truth in Lending Act ( TILA ) Violations : XXXX XXXX failed to retain and provide evidence of compliance with Regulation Z requirements, including payment histories and interest calculation methodologies, as required by XXXX XXXX XXXX ( c ) ( XXXX ). 

XXXX XXXX violated Regulation Z ( 12 CFR 1026.25 ) by failing to maintain and provide records for at least two years. 

Montana Consumer Protection Act ( MCPA ) Violations : XXXX XXXX engaged in unfair and deceptive practices by failing to provide accurate credit reporting and withholding critical account documentation, in violation of XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX 

Civil Rights Violations : XXXX XXXX  actions have disproportionately impacted my ability to access credit and financial opportunities, constituting a violation of my civil rights under the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 et seq. ). 

Basis for Arbitration The above violations form the basis of my demand for arbitration, which XXXX XXXX has refused to honor. Their refusal to arbitrate is a direct breach of the binding arbitration agreement stipulated in our contract. This refusal undermines the principles of fairness and accountability that arbitration is designed to uphold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit card charge me for a late fee the reason is they couldn't withdraw my payment on due date. My checking account was restricted do to someone trying to call my bank on behalf of my name. My bank told me I have to close my old checking account and open a new one. I explained this situation to my credit card they asked for my bank to call and confirmed that this is what happened to my checking account and I don't have to pay for a late fee since its not my fault and i payed on time but since my funds were transferred from old checking account to a new checking account. My credit card said i will still have to pay a late fee without any further explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have a checking account XXXX with sofi bank. On XX/XX/year>, XXXX Charged me {$130.00} to my checking account to auto renew my subscription. This is 3 times of what I usually pay. XXXX did not notice me of this autorenewal prior to their charging. 

I disputed right away. Sofi gave me {$130.00} provisional credit. I also logged into XXXX and canceled auto renew. I chatted with XXXX to cancel my subscription. They told me that they could not cancel since I already disputed. 

On XX/XX/year>, Sofi charged me {$130.00} to my checking account to reverse the provisional credit. This has brought my account to negative. My XXXX internet bill could not go through. I incurred {$25.00} returned fee.

I contacted sofi via email and phone asking for reconsideration since I definitely do not want subscription at that price. Yet, Sofi refuse to credit me. This is obviously robbing people and forcing people to subscribe to an expensive service. 

XXXX and Sofi are both XXXX XXXX company. They helped each other to force customers to buy service. I need your help to get my money back, plus {$25.00} returned fee that I incurred. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Just reachin out to say I dispute the debt under the Fair Debt Collection Practices Act I dont need no proof or docs I just dont agree with it plain and simple For future contact best way to hit me up is email only Monday through Friday XXXX to XXXX XXXX XXXX XXXX Dont bother with calls voicemails or any mail like XXXX XXXX or XXXX Thats just extra Thanks for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I request the removal of a bankruptcy from your credit report due to identity theft or a data breach under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, Equifax XXXX and XXXX Subject : Request for Removal of Bankruptcy Information Under FCRA 15 U.S.C . 1681c-605B Dear XXXX, Equifax, and XXXX I am writing to formally dispute the bankruptcy information listed on my credit report associated with XXXX filed in XXXX XXXX XXXX XXXXXXXX XXXX I believe this information is the result of identity theft, as I did not authorize or file this bankruptcy. 



In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B, I request the immediate removal of this fraudulent information from my credit report. Attached are the required documents to support my claim. 



Please investigate this matter promptly and confirm the removal of the inaccurate information from my file within the required time frame under the FCRA. 



Thank you for your attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains accounts I believe were added fraudulently. Please address this issue and remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX, a rental lease account opened at XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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