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: 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: GA

Complaint narrative:
XX/XX/year>, I received an alert for a new collection from XXXX XXXX XXXX stating that I owe XXXX from the XXXX. I have written all 3 credit bureaus disputing this item requesting proof of debt. I did not receive a validation letter nor does the address matches any of my addresses on file with the bureaus. My contact with them states this is for an apartment. I am a homeowner and have not rented in years. I am requesting that this account be removed from all 3 bureaus immediately and a copy of all contracts etc. so I can file a police report, at this time I have an inaccuracy on my credit reports and I'm not getting and resolutions.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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 value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) 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 2024-07-12 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: NC

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agency, the information remains incorrect and unverified. Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$510.00} XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$790.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$590.00} XXXX. XXXX - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$1400.00}

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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my 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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.

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 — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
The account was closed on or in between XX/XX/XXXX and XX/XX/XXXX. The account was opened XX/XX/XXXX, but its being reported that it was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MS

Complaint narrative:
I'm seeking your help to address this false account appearing on my credit report. It has negatively impacted my reputation, and I need your intervention.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
SOFI banking closed my account XXXX XXXX between XXXX XXXX  2024 SOFI locked my account simultaneously I was going through a natural disasters in Texas I could not fully monitor my account which resulted in a merchant over charged my account of XXXX I started a dispute with SOFI after they closed my account XX/XX/XXXX XXXX SOFI blocks any from accessing prior statements in your account so you cab not properly dispute any transactions.. I started a dispute for XXXX not knowing the merchant over charged XXXX sofi provided me check XXXX before I received the check I received an email from so far stating that they have stopped on my check in order for me to verify my address which is odd is because I've already had account with Sofi so if I has my updated information I have listed the conversations below you will see I did not think the representatives was really serious about canceling my check when I go to cash my check after receiving it via postal mail I received a call 3 days after cashing my check at a local check cashing place the manager of that store told me that sofi put a stop payment on that check now I owe that check cashing place {$1000.00} because it's so fast outrageous and accurate information there was no reason why that check should have been stopped so far says they do not have the power to stop a payment check but clearly they do inside the conversations that have provided below so far has not refunding me for corrected amount of {$3000.00} I already had to pay back the check cashing place {$1000.00} or I would add criminal charges pressed against me because so far the place they stop payment on a check that I've already cashed from sofi still have not received any of my money yet I'm just left wondering what should I do I have a dispute going on but I have not received it dime from sofi

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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: 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: MS

Complaint narrative:
Recently i looked at a copy of my credit reportsand noticed several inaccuracies on my account. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify. 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 2024-07-12 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: MS

Complaint narrative:
I'm seeking your help to address this false account appearing on my credit report. It has negatively impacted my reputation, and I need your intervention.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have tried countless times to use the AMEX gift card to purchase items, on multiple websites as well. Each time it declines, even though there is money on them. I have spent hours talking to AMEX, and each time there is no progress. One of my cards has {$31.00} on it and the other has {$2.00}. I tried purchasing items close to the price on the card and again with various other amounts less than the full face value. Many people have reported having this problem for multiple years. 

the card numbers are XXXX and XXXX

Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I Recently checked my Credit Report and seen that I have 9 Inquiries on my credit report that I didn't authorized. They are also reporting incorrect employment

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) 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 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am writing to inform the CFPB that RESURGENT RECEIVABLES, a debt collector/debt buyer has been furnishing inaccurate information on my credit reports. I have disputed the errors in my reports, and they keep verifying it. I provided evidence that they have been misreporting a tradeline that is incomplete. It does not meet account level documentation yet the fail to update the alleged debt account with accurate information. This company has not even verified the debt they reported to my consumer reports. This company has violated my rights under the Fair Credit Reporting Act for verifying incomplete and inaccurate information and they have triggered FDCPA violations for deceptive debt collection practices. I have disputed this company multiple times to no avail.

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: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
Goodleap has placed my loan on my consumer report as charged off. Since this is a tax issue asked them to remove it from my report and send me the 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
As the XXXXXXXX XXXX XXXX XXXX 501 ( c ) ( 3 ), I made a payment to a contractor usin

g PayPal. PayPal reported to me that the payment would have no fees and reported the gross and net of the transaction as being the same, even after the payment was submitted.

The recipient reported to me that in fact, PayPal did charge fees, which I would have no way of knowing if that hadn't been reported to me.

This practice has been going on for YEARS. I have to constantly dispute transfers where PayPal charges fees on the recipient end and doesn't report it on the sender end. How much money is PayPal skimming off the top with this deceptive practice? I've asked them multiple times to stop this practice, but they continue unabated.

I have multiple personal PayPal accounts and have seen this happen when transferring funds between my own accounts, so I've seen it happen to myself, but I'm including a current example in the attachment.

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: Chime Financial Inc
State: NJ

Complaint narrative:
Since early 2024, I have disputed the account status for a Chime credit builder account. As of today, the account has been reported by Chime Bank as open with a balance of {$25.00} despite me closing it several months ago. The account showing a balance is adding to my debt to income, which has negative impacted my credit. This negative impact could have contributed to declines for new credit trade lines. I have disputed the account with all three credit reporting agencies, as well as Chime and it still remains. I am requesting that the account reflects the up to date account status and information. The credit builder account should show as paid as agreed and closed with a XXXX balance. Businesses that fail to maintain fair and accurate credit reports are subject to heavy fines and penalties. 

Civil Liability for Willful Non-Compliance Provisions and penalties for willful non-compliance are provided under section 616. [ 15 U.S.C. 1681n ] of the FCRA. The section is further divided into subsections that separately discuss civil liabilities for non-compliance with the customer and with the consumer reporting agency. Civil penalties for non-compliance with the provisions of the FCRA are as below. 

In General Any person who willfully fails to comply with any requirement specified under this law concerning a consumer is accountable to that consumer for a sum comprising : A - The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00} Chime Bank and the credit furnishers supply this information to the credit bureaus are in violation of the FCRA, despite my attempts to correct it, it hasnt been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tilt Finance, Inc.
State: MO

Complaint narrative:
I had my checking account connected to make payments and was making them on time. Suddenly, they disconnected my checking account for no good reason and would not help me get it connected. They would not connect my debit card either. Thus, I had no way to pay them. 

They tried to get me to open a bank account with them, but with the issues I had I did not trust them. Because of them I am now two payments late and have been dinged on my credit reportand they do not care.

Company response to consumer: Closed with non-monetary relief