vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-05 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: FL

Complaint narrative:
I am writing to formally dispute three inquiries listed on my credit report that I believe are not mine. Upon reviewing my recent credit report from Experian and XXXX, I noticed the inquiries that I did not authorize

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 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Early 2024 my bank, Flagstar Bank, revamped their website, mobile app and entire banking interface with customers. 

On XX/XX/year> I attempted to pay my independent contractors using the XXXX account associated with my business checking account at Flagstar Bank. When I logged in, I saw THREE accounts listed as associated with my XXXX when I only have two accounts. I contacted Flagstar and asked them to remedy their mistake- I had no idea if the additional account was mine or someone else 's, but it clearly was created by their interface revamp and I didn't want to be using another member 's money so I asked them to correct their XXXX error. 

Within an hour, Flagstar responded that they " fixed it '' and I should sign up with XXXX again. Unfortunately, their " fix '' was the end of my ability to access funds digitally across all internet platforms from all banks using all accounts ( business or personal ) for payouts to my contractors. It appears Flagstar 's account creation error and subsequent " fix '' flagged anything associated with my social security number in US digital banking. 

I now can not send payments using XXXX, XXXX nor XXXX with any bank I do business with ( Flagstar and XXXX XXXX ), using any account I am associated with ( XXXX XXXX accounts and two personal accounts at the above mentioned financial institutions ). 

I contacted Flagstar immediately via telephone on XX/XX/XXXX and ongoing as well as ongoing via email and they have no solutions and very infrequent communication with me. 

I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and ongoing via phone and their internet messaging and they have no solutions and no further communication. 

I've contacted XXXX via help desk and they offer no solutions and have no further communication. 

I am unable, as a user, to contact XXXX directly. 

Being unable to pay XXXX XXXX digitally cripples my XXXX. It has been two months and no company has offered a solution and all have been in little or no communication.

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 2024-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
At the end of XXXX I changed my last name on my venmo account to match my new last name as I recently got married. Venmo asked for a photo of my drivers license to verify the name matches, since I did. On XX/XX/year> I received an email stating my account has been suspended due to my name on my venmo account not matching my DL. I responded to the email with another photo of my DL, which I checked matches my name on the account. On XX/XX/XXXX I received an email from a Venmo employee XXXX XXXX stating my name on my DL " does not quite match. '' I emailed back and forth with XXXX XXXX regarding my issue with no resolve. On XX/XX/XXXX I emailed again after trying to close my account and withdrawal the {$38.00} frozen in my account and being unable too. I was told Venmo is not holding my money even though it is and that if I felt the need that I should contact a lawyer but they would no longer be assisting my with resolving what the issue is. I attempted to request help again and my help request was ignored and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: AL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Opt Out Notice I am writing to formally request the cessation of any and all authorizations that I may have provided to your agency, whether verbally, non-verbally, written, or unwritten, in accordance with the following regulations and acts : 16 CFR 313.7 15 USC 6801 - Protection of Nonpublic Personal Information The Privacy Act of 1974 Please ensure that my nonpublic personal information is protected and that no further use or disclosure of my information occurs without my explicit written consent. I trust that you will take the necessary steps to comply with these regulations and protect my privacy. 

Please confirm receipt of this letter and inform me of the actions taken in response to my request Furthermore please remove all personal information on my account along with non mailable address, phone numbers, emails. 

Current address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please provide me who provided you with previous addresses and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX called me- they said they are Bull City Financial Solutions. They wanted my personal information. I did not disclose any more than my first and last name. I told them I had no debt and asked why they were calling me. They said they would not disclose why until they had more personal information from me. I refused and they hung up. I am reporting them because I believe they are operating a scam as I have no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: LA

Complaint narrative:
After reviewing my consumer reports, I noticed late payments reporting inaccurately on an account I have not made any late payments to. It is imperative that reporting agencies report accurate information. I am requesting an investigation and evidence of any late payments to the following account : XXXX XXXX XXXX XXXX XXXX ]. If you are unable to provide evidence of a late payment I would like it to be updated to reflect is true status as paid on time/never late.

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 2024-07-05 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : Close late Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: AL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-05 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: AL

Complaint narrative:
My account with XXXX XXXX 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 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. 

XXXX XXXX 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 2024-07-05 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: MA

Complaint narrative:
My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 ( MONTHS REPORTING LATE ) 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. 


( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 non-monetary relief
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX 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 XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX5 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. 

XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Freedom Credit Card : Excessive late fees. High interest charges. Made a telephone agreement to pay {$200.00} dollars monthly for 3 months to catch up. Received bill for. XXXX. Balance went up XXXX in a month. I called bank said they could not take final XXXX for XXXX if I wanted to talk to someone about affordable payments plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I am currently trying to complete the loan modification process with PennyMac Loan Services and upon submission of a completed packet on XX/XX/year>, I followed up with the company and was told that my loan modification was denied due to the upcoming foreclosure sale date and because my packet was incomplete ( which is not true ) I submitted every document required for a completed packet. I was placed on hold while the representative checked into my account and they came back and asked about my income. I informed them about an upcoming job that I was about to start and so I was told as the final answer to my denial was because my new job income wouldnt be enough to cover the payments or reinstate the loan. Moving to today, XX/XX/year> I called them again to follow up about the modification and was told that my modification was denied because of the sale date and packet but this representative did not say anything about my income being a reason for denial. So what I see is that I am receiving confusing information and getting the run around with this company with something that is very serious for myself and my family. I would greatly appreciate if this matter is looked into swiftly as I am under a short amount of time for the foreclose that is about to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/24 I was booking a flight on XXXX XXXX 's website, and there was a promotion if you open an American Express, you will receive a {$400.00} credit. I opened the credit card, charged my flight for {$870.00} and never received the the {$400.00} credit. I contacted them three times because I never received the credit. Today, XX/XX/24, after contacting them again, I was told I would not receive the credit, and the reason given was they were afraid I would close the credit card after receiving the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: AL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-05 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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