vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Really, I want it credit card companies o have the same end of day as the rest of the world. Why are their cutoff times arbitrary if not to purposely to charge consumers fees? paid my balance in full and still I ended up with late fees because they said even though I made the payment on the due date, it was after XXXX CST and therefore counts as late. The system will automatically force to another day. I have multiple cards and there are at least 4 different time zones. I send ACHs all day and I can say that the random cutoffs is a moneymaking scheme used to maximize late fees and finance charges. Purposely tampering with and misrepresenting consumers information. What kind of nonsense is this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
On XX/XX/year> Experian received a letter from me, via USPS XXXX XXXX XXXX XXXX XXXX XXXX, disputing information on my Experian report. That letter is attached to this complaint as well. On XX/XX/year>, Experian gave me an update of one of the disputed accounts by my Experian account on Experian.com. The update was for the XXXX XXXX XXXXXXXX account and it stated " The incorrect account with XXXX XXXX XXXX XXXX XXXX XXXX has not been changed and will remain on your credit report. '' I have attached this statement to this complaint. I believe Experian is purposely not following the rules stated in the Fair Credit Reporting Act. CFPB please hold Experian accountable.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account with 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 60 days 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Someone did fraudulent activity on my account. It was something with provisional credit, and now they are forcing me to pay it back when I had no idea about it. My account is in the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Equifax, I am writing to dispute the following item on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe that this item is reporting in violation of my consumer rights. I am requesting that you validate this debt. 
I am requesting the notice with my signature upon delivery within the five days of initial communication pursuant to 12 CFR 1006.34 which proves I was aware of this debt and had the opportunity to dispute. 
I am also requesting the procedure taken if for any reason this item comes back verified. 
Please investigate this matter promptly and remove the disputed item from my credit report. 
Thank you for your attention to this matter. 
Sincerely, 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 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I was in the process of purchasing a house for the past 2 years so I have decided not to sign a new contract with my previous landlord XXXX XXXX XXXX But instead was residing the property month to month bases and as a result was paying an extra {$200.00} for each and every month. On XX/XX/year>, I contacted to the management and advised that I would be moving out on XX/XX/year>. However, when I return the keys on XX/XX/year>, the manager indicated that I was moving out on the XXXX of XX/XX/year>. Therefore, you would have to pay the XX/XX/year> rent. Even though I notified her on 3 different occasions. I've enclosed/attached the letter dated XX/XX/year> that I sent to both the collection agent and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NC

Complaint narrative:
Experian did not delete XXXX XXXX XXXX, after sending proof that these two accounts should of been deleted years ago. XXXX XXXX XXXX  finally deleted XXXX XXXX XXXX XXXX XXXX XXXX Experian did delete 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 2024-10-01 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:
I recently did an investigation on my credit report and found several items on there to be inaccurate. 


Under 15 U.S. Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681 i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report immediately : 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 Experian 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 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 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: CA

Complaint narrative:
i sent {$1000.00} to XXXX XXXX XXXXXX/XX/year> but they can not get it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I filed a dispute with the credit bureaus regarding errors related to accounts from XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. Despite my requests for documentation to verify the accuracy of these accounts, the investigations did not resolve the errors, and the derogatory marks remain on my report. These accounts are reported inaccurately, and I believe some of the balances, statuses, or ownership details are incorrect. My credit scores have been negatively impacted, with current scores as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification and correction of these accounts, but no satisfactory resolution has been provided

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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: CA

Complaint narrative:
i sent XXXX XXXX  to XXXX XXXX XXXX but i can not get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my credit, but today, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but that didnt helpthe inquiries remained. I am really frustrated, and I am requesting that the documents Ive submitted be thoroughly reviewed so I dont have to deal with this ever again.

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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XXXX XXXX XXXX  My business bank account was denied for a charge. So I called BMO Harris to find out why my card was locked and they said that we were being held under a fraud investigation. I asked why and it was due to a large wire that we received the day before from one of our clients, this is the second time this happened and last time it took over three months for this problem to get resolved. Now I am unable to get a hold of the person in charge of the fraud investigation and I am just running around in circles. This is crippling our business, as we have creditors that we owe money to, and we have clients that we are expected to receive payments from.

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 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
I have tried to set up a repayment plan via the MoHela website since XX/XX/XXXX, but the website would not work or I was unable to submit my application for repayment online. I also began trying to submit a request for the Fresh Start Initiative XXXX XXXXXX/XX/XXXX, but 2 of the 3 options ( online at the my ed debt website and calling the number on the website at least 7 times on XXXX XXXX XXXX XXXX XXXX XXXX were unsuccessful. The website would not load on my laptop, XXXX, or work computer. When I called the number, the automation told me no one was available to take my call at this time every time I called. I called within normal business hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian to remove these inquiries and all attempts failed.

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 2024-10-01 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
On XXXX XXXX 700CXXXX XXXX XXXX ( Auto ) completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX Auto ) completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX  to remove these inquiries and all attempts failed.

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 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp.
State: CA

Complaint narrative:
i sent XXXX dollars to XXXX on XX/XX/year>, but they can not receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a continuation of complaint filed with the CFPB on XXXX regarding delays in the application made in XXXX for a credit card. I called Capitol One again regarding the status of my application ( made in XXXX Called in XXXX and XXXX ). Called again XXXX. There has been no progress, despite me re-uploading ALL the requested information a week previously. This is within the time frame they said they would have responded. Of course they don't respond, they expect us to call them. I have in the mean time obtained a new credit card. Note it took like a week and none of this back and forth. I inquired what the process is at Capitol one if I terminate the application given it has never been activated. They read the standard cancellation process as if the card was active. I asked to speak to a XXXX, and got XXXX but really no other progress other than I got the addresses to mail a letter to so I can obtain a listing of what information they have and when they will delete it and to request expedited deletion as the account WAS NEVER ACTIVE. I think it is a perversity that a company can hold our personal information while never actually providing any service. They claim that is the process. If so it is a lousy process and not described in their XXXX page document of the application. And because they haven't activated the account the prior log in information ( That I was able to log in previously to set up autopay ) I can't get at the account ( get a message to call them ) to delete the autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
I reported to Experian that my identity has been stolen and used to open fraudulent credit cards with XXXX and XXXX XXXX. They advised me to file a police report and an identity theft report, including the XXXX 's name and badge number, along with a copy of my Social Security card and proof of address. I completed all these steps, yet they have still refused to remove the fraudulent accounts. I contacted the companies, and they have indicated that these accounts have been under investigation for over XXXX  days, which means they should have been removed after XXXX  days.

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 2024-10-01 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: NJ

Complaint narrative:
I am writing in response to your recent communication regarding the issues with my account and the reported inaccuracies on my credit report. I appreciate your prompt attention to this matter, but I must clarify that I believe significant errors have occurred that need to be addressed. 
As previously stated, I paid off a balance of {$1000.00} in XX/XX/year>. Despite this payment being reflected on my statement initially, it was later removed without my knowledge, leading to continued interest charges on a balance that I had already settled. This has resulted in the misleading reporting of my account status to all three credit bureaus, which has negatively impacted my credit score. 
I have documentation supporting my claim, including the monthly statement that confirms the payment was posted and subsequently removed. It is concerning that your records do not reflect this, and I urge you to review them thoroughly. 
The consequences of these errors are significant. My credit report now inaccurately indicates that I owe {$1500.00}, which has hindered my ability to secure necessary repairs for my home. I believe it is in both our interests to resolve this matter swiftly and restore my credit standing. 
I kindly request that you conduct a thorough investigation into my account and take the necessary steps to correct the inaccuracies reported to the credit bureaus. I look forward to your response detailing how you intend to resolve this issue. 
XXXX request to resolve credit reporting issue***

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 2024-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: WA

Complaint narrative:
On XXXX, Creditor XXXX XXXX  XXXX BY XXXX sent a loan balance of {$29000.00} to collections through XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX under my name. 

The collections request was added to my credit report on XXXX. This heavily impacted my credit score in which case an alert notification was sent via email through all XXXX credit monitoring companies XXXX XXXX XXXX, XXXX, XXXX ). Upon receipt and review, the account was disputed on XXXX and is currently under review by all XXXX credit monitoring companies with a review deadline of XXXX. 

No action has been taken to contact the company directly.

Company response to consumer: Closed with explanation