vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 Name : XXXX Account name : XXXX XXXX XXXX  Account Name : 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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 Name : XXXX Account name : XXXX XXXX XXXX Account Name : 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 2024-08-30 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: TX

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 2024-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I signed up for a course with XXXX XXXX  on XX/XX/year>. Before enrolling, I asked the counselor if I could use the course as a stepping stone towards transitioning into program management, and he assured me that I could. Interview XXXX  had a program listed on their website for those interested in transitioning to a XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) role. However, after signing up, I realized that the course was focused solely on XXXX, and I would need to pay for a separate Interview XXXX  course for the XXXX  track. This was despite the fact that I had clearly communicated my goals to the counselor.

Additionally, a few days later, I received news that I would be moving out of state, so I contacted Interview XXXX  on XX/XX/year>, to request the cancellation of my registration. They directed me to reach out to Affirm ( the loan provider ), but Affirm informed me that it was up to Interview XXXX  to handle the cancellation. I tried to follow up with Interview XXXX  again, but they did not provide a resolution. 

Affirm has since been harassing me about paying the loan for this course that I did not take, and they are now threatening to report it as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: NC

Complaint narrative:
We had a door-to-door salesman who worked for Aqua Finance come around 2 years ago advertising their water treatment equipment. We had Aqua Community water as our water supplier. The presentation of how the system works seemed to work well and so we were interested. The salesman then told us that by applying that day for the loan to get the system installed, that we would receive 3 months of deferred payments, with no interest being accrued during those 3 months. We were also presented with the terms of 9.9 % APR with nowhere on the paper mentioning that as any kind of promotional purchase and was made to think by the paper and by the salesman 's words that this is the APR for the life of the loan. The loan also included redemption vouchers for a soaps/cleaning supply delivery program. Recently, I called to ask my balance and was surprised to find that the balance had barely decreased. I was told by the person on the phone that the interest rate was a promotion that ended, to which I replied I was not aware this was the case. It also apparently was not the case that case that there was no interest accrued during the 3 months of deferred payments. I have since also found out that there is an FTC action against Aqua Finance for the exact things I have been experiencing. In the information about the action, it also states that there is something about a lean against the water treatment system that makes it difficult to sale your home, which I am currently trying to do. This is another thing that that was not made known by the salesman. I also submitted XXXX of the vouchers for XXXX of the shipments of the soap/cleaning products that were supposed to be included, but I never received the order. I would like to submit this claim against Aqua Finance and request to be refunded and have the debt forgiven as is laid out in the FTC action against Aqua Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One said I had pre-approval offers. Then asked me to verify information to see what I was pre-approved for so I did. It came back as an official approval then asked me to choose between two cards that I was approved for so I did that as well. Then I got an email a few minutes later stating I wasnt approved. Very confusing! I want the hard inquiries removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After carefully going over my recent credit report, I noticed several unauthorized accounts that seem to be incorrect and were added without my awareness.

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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally bank, on-line banking service I have been a client for over XXXX years. They are reversing refunds to my account when I notified them that my account was being double charged stating I have a relationship with the merchant. In reality I stopped purchasing from the merchant. I did not authorize XXXX transaction charged on my checking account. Also, I do not have overdraft on my checking account. Ally has denied basic privileges of other clients. Ally is aware that my account was hacked. I made a complaint with the FTC already. Ally is reversing refunds to also overdraft my account. Ally has treated a customer of XXXX  years as if I commonly overdraft my account. Ally is refusing XXXX payments into my account from my established relationship on XXXX with my son and his contact number. Now they have proof that relationship is established but wouldn't honor his XXXX payment into my checking account to bring my account out of the XXXX. Ally is actively trying to cause my account to be closed. Ally also will not allow me to change my security questions which have been compromised by a hacker/cyber attack. Ally is falling into the cyber attacker 's wishes. Emails have been sent utilizing spoofing to send contacts something I did not send myself. My son and daughter-in-law are receiving calls from my son 's phone number while they are both communicating on the phone together. I have been intercepted trying to call Ally with robotic customer service agents who sound not human. Also the voices are the same XXXX people answering Ally 's customer service number every time I contact them. I am a victim of spoofing, cyber stalking, phishing, interception of phone lines. I am ready willing and able to hand over my electronics to someone who can actually do something about these cyber criminals. Ally bank is not accepting my chance to change my security questions. My social security, my mother 's maiden name, and my date of birth are no longer protected at this point. Ally is treating me the client in a way it does not commonly treat other clients. I have tried to contacted identity theft with the FTC. I had numerous issues all factual going on in my life. Thank you for reading and trying to understand the panic behind the text.

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 2024-08-30 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: NJ

Complaint narrative:
Hi, the erroneous information you keep reporting on my credit has already been deleted by both XXXX and XXXX and were blocked from reporting said information, so I don't know why you keep reporting these errors on my credit this is extremely stressing me out. I have contacted EXPERIAN and a representative confirmed to me that they are already deleted from my credit report but I still see it which is super frustrating.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Best Buy I paid XXXX of XXXX XXXX. 
XX/XX/XXXX they email me thank you for your payment. 
Again XX/XX/XXXX thank you for your Payment. 

Next Email was XX/XX/XXXX thank you for payments Next Email XX/XX/XXXX thank you for your payment Best Buy billed me I noticed a large bill XX/XX/XXXX for {$3000.00} dollars and minimum payment of {$370.00}. I to paid the entire bill. 


I began to look back because this is wrong. 
After I complained to the company and XXXX They updated and there things appeared all explained. 

XX/XX/XXXX there is a bill of {$3000.00}. Minimum pay of {$370.00}. 

The month before and after this bill I paid it appears {$50.00} and this goes on until XX/XX/XXXX. Best Buy stated thank you for your payment. 

If a company asked for Minimum due {$370.00} and you pay {$50.00} for a year, this is usually unheard of. According Best Buy I was able to make purchases. 


My email from Best Buy do not reflect any of these payments. from XX/XX/XXXX to XX/XX/XXXX these is no email for all my payments. 

Also when I looked back I originally did not see the XXXX dollars reflected as a payment. 
Until I complain everything was updated and found. 

This is not right something is not right XX/XX/XXXX I paid XXXX XX/XX/XXXX paid 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 2024-09-02 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
The late payments showing here don't seem consistent with my regular payment history,

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently checked my credit report and noticed that i've been a victim of identity theft for numerous credit inquiries i have no knowledge of, here are the inquiries i found, 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 PLEASE remove these FRAUDULENT INQUIRIES from my credit report! I also attached my identity theft report as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's XXXX of the few things I want to be protected, my life is already stressful as it is.

Company response to consumer: Closed with explanation