vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit report after reinvestigation for the account on XXXX of XXXX listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX account XXXX Opened : XX/XX/XXXX XXXXBalance : {$10000.00} The above account information is inaccurately reported for the following reasons : Account states last payment XX/XX/XXXX on Equifax but on XXXX XX/XX/XXXX. Also states that this account on Equifax is late in XX/XX/XXXX but on XXXX closed.Reinvestigation Requirement under E-Oscar : According to Metro 2 guidelines and the E-Oscar automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/XXXX contradicts the reinvestigation results.The payment history reflects delinquency dates ( 30, 60, 90, 120, and 150 days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process. I am providing proof from the credit agencies to substantiate my dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit report after reinvestigation for the account on XXXX of XXXX listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXXXXXX XXXX  account XXXX Opened : XX/XX/XXXX XXXXBalance : {$10000.00} The above account information is inaccurately reported for the following reasons : Account states last payment XX/XX/XXXX on TransUnion but on XXXX XX/XX/XXXX. Also states that this account on TransUnion is late in XX/XX/XXXX but on XXXX closed.Reinvestigation Requirement under E-Oscar : According to Metro 2 guidelines and the E-Oscar automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/XXXX contradicts the reinvestigation results.The payment history reflects delinquency dates ( 30, 60, 90, 120, and 150 days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process. I am providing proof from the credit agencies to substantiate my dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : XXXX XXXXXXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

15 U.S. Code 1681i : Specifies the procedure for disputed accuracy, which includes timely investigation and correction of inaccurate information.

15 U.S. Code 1681s-2 : Obligates furnishers of information to report accurate information to credit reporting agencies.
If this issue is not resolved within 30 days, I will be forced to take legal action for violating my consumer rights under 15 U.S. Code 1681n and 15 U.S. Code 1692k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Macys Star Rewards Platinum Account XXXX XXXX XXXX XXXXXXXX XXXX Notice of Changes to Macys Credit Card Account Terms ( XX/XX/year> ) Gentlemen, Congratulations!!! During a period when Macys has been complaining that weakening sales is responsible for the need to close stores nationwide, you have found it beneficial to improve revenues by further increasing finance charges to credit customers in the current inflationary environment!! 

I have so enjoyed my customer relationship with Macys stores over many years that I never noticed the exorbitant APR on my credit account until your recent further increase to 34.95 %!

I have made regular purchases over the years of jewelry, clothing and perfume products form Macys. Had I exercised proper due diligence, I would have noticed much earlier the already excessively high 31.49 % APR on my Platinum credit account ( {$3000.00} limit ). The recent APR increase notice brings attention to Macys policy of fleecing its best customers.

Perhaps this lack of concern for your customers helps to explain the companys current financial difficulties which may lead to it its movement into the dustpan of history. 

With regret, I find it necessary payoff the balance owing on my account and ask that you close the account immediately. I certainly believe that I can find other retailers with more fair customer policies and practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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:
Im a victim of identity theft. Please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I entered into a 13-month CD for {$75000.00} at an interest rate of 4.6 %, which was in line with the market rate at the time. When entering into this CD, I was required to auto-renew to the same maturity ( 13-month ) CD when the original came to term. In JXX/XX/XXXX the CD was auto-renewed at an interest rate of 0.03 %, dramatically below the market rate and the rate the bank was offering to take out a new CD at the same time ( around 5 % ). Then I was charged a break fee of 180 days interest to exit. The bank is exploiting its customers by not allowing them to opt out of auto-renew, then hoping the customer does not break the new CD within the first 6-day period of the renewal, which was done at an interest rate not even close to the rate the bank is offering to new CD customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
A security with a declared value of {$89000.00}, via XXXX XXXXXXXX XXXX, was delivered on XX/XX/XXXX, registered mail return receipt XXXX, signed by American Credit Acceptance XXXX XXXX XXXX at XXXX, for settlement in full of the account. I was told by XXXX ( supervisor ) that a payment was being processed but when I called back no one knew what I was talking about and can not locate the payment. I am concerned there may be organized crime. They are not responding to letters in the legal department and I have spoken with multiple supervisors- XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all who have given different stories. T. 
XXXX should be under investigation because that individual signed for the parcel. Postmaster XXXX XXXX has assured that the parcel was delivered and signed for. XXXX XXXX XXXX, the XXXX XXXXXXXX ID XXXX exp. XX/XX/XXXX has confirmed the parcel contained the security before sealing the parcel. The companies prospectus allows for settlement of account via the Securities Exchange Act of XXXX and XXXX Indenture Act of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc

Complaint narrative:
Request for Account Limitation Review and Resolution - Ref ID : XXXX Dear PayPal Support, I am writing to seek clarification and assistance regarding the recent limitations placed on my PayPal account ( Reference ID : XXXX ). 

Before my account was limited, I added a credit card to my PayPal account. As part of the verification process, PayPal charged a small amount to my credit card to send me a 4-digit code for confirmation. I was informed that this code would be available within 3 days. However, shortly after this process began, I received a notification that my account had been limited. 

This limitation is preventing me from completing the verification process and is significantly impacting my ability to conduct personal and professional transactions, including processing a necessary refund for a client. The transaction details are as follows : - **Transaction Date : ** XX/XX/year> - **Ticket Number : ** XXXX - **Recipient Email : ** XXXX I kindly request the following actions : 1. A detailed explanation of the reasons for the limitation placed on my account.

2. Guidance on how to complete the credit card verification process and confirm my account. 
3. Steps I need to take to resolve the limitation and have my account reinstated.

4. Assistance in processing the pending refund to ensure my client can be reimbursed without further delay. 

Please let me know if there are any additional documents or information required from my end to facilitate this process. I am committed to resolving any issues promptly and complying with PayPals policies. 

Thank you for your prompt attention to this matter. I appreciate your assistance and look forward to resolving this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : XXXX XXXXXXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

15 U.S. Code 1681i : Specifies the procedure for disputed accuracy, which includes timely investigation and correction of inaccurate information.

15 U.S. Code 1681s-2 : Obligates furnishers of information to report accurate information to credit reporting agencies. 
If this issue is not resolved within 30 days, I will be forced to take legal action for violating my consumer rights under 15 U.S. Code 1681n and 15 U.S. Code 1692k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Bellow is a letter that was sent to the Assistant VP of Round Point Mortgage Dear XXXX, I believe there has been a great confusion regarding my account. I have never discussed anything about a XXXX payment. If you review your call recordings, your representatives were always discussing the XXXX payment. All the documentation I have received reflects that. 

Regarding the new issue with the XXXX payment, I have saved the letter that was mailed to me in XXXX. As per your federal grant selection, I did participate, and I responded to your offer dated XX/XX/2024. How can you now accuse me of being late? 

I understand that in large corporations, one department might not be aware of whats happening in another, but this should not affect my payment history. I complied with the instructions in your letter. Enclosed, you will find a copy of the letter, the check in the amount of {$5300.00} that was mailed, and a screenshot of the account used. The error is clearly on your side.

Please correct this immediately as my refinance of my investment property is stuck due to the damage you have caused to my credit. I have 11 properties and have never been late on any of them. Your actions are causing me financial loss because, to save my rate, I need to pay for a rate lock extension while you resolve this matter. 

This needs to be corrected no later than the end of this month. If not, I will have no choice but to hire an attorney and pursue this matter accordingly. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bellow is a letter that was sent to the Assistant VP of XXXX XXXX XXXX Dear XXXX, I believe there has been a great confusion regarding my account. I have never discussed anything about a XXXX payment. If you review your call recordings, your representatives were always discussing the XXXX payment. All the documentation I have received reflects that. 

Regarding the new issue with the XXXX payment, I have saved the letter that was mailed to me in XXXX. As per your federal grant selection, I did participate, and I responded to your offer dated XX/XX/year>. How can you now accuse me of being late? 

I understand that in large corporations, one department might not be aware of whats happening in another, but this should not affect my payment history. I complied with the instructions in your letter. Enclosed, you will find a copy of the letter, the check in the amount of {$5300.00} that was mailed, and a screenshot of the account used. The error is clearly on your side. 

Please correct this immediately as my refinance of my investment property is stuck due to the damage you have caused to my credit. I have 11 properties and have never been late on any of them. Your actions are causing me financial loss because, to save my rate, I need to pay for a rate lock extension while you resolve this matter. 

This needs to be corrected no later than the end of this month. If not, I will have no choice but to hire an attorney and pursue this matter accordingly. 

Thank you, 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 2024-07-13 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: TN

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged de pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICA OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIon

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Also, somehow the date I discovered it and the date the fraud begin got switch around as I was downloading the document. For XXXX. XXXX XXXX the fraud begin XX/XX/year>.

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