vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Several years ago I filed bankruptcy and wanted to pay voluntarily for my auto loan with PNC bank. They DID NOT let me make volunatry payment. 

They kept saying my loan is in bankruptcy and I can not pay, which is not true but they would not let me pay. 

In 2023 I sent a settlement offer letter with photos of the car to PNC BANK. It will all be evidenced in the attachments of where it was sent. 

They DID NOT respond and still did not allow me to make payments. This was all done for nothing. There people do not work at PNC BANK. 

I get a letter all of a sudden that they want to repossess my car in the next 30 days after trying to work with them for 5 years. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
So back in XXXX XXXX XXXX  I signed up with Care Credit / Synchrony Bank they approved me for {$10000.00} so that I could have some much-needed XXXX  work done. I was offered 24 months no interest charges promotional. So, {$6000.00} was charged on this account. I've been paying about {$250.00} a month for the past 13 months. Believing I had 24 months to pay off my balance. Also made another charge of {$790.00} back in XX/XX/XXXX, fast forward to today I received a notice and statement saying my account is over the limit and interest in the amount of {$2500.00}. At this point I'm confused, thinking did I do something on my end to accelerate my promotional offer like miss a payment or something. No, I did nothing wrong on my end. So, I called and they state that my promotional offer ended it was only for 12-months. I stated no I have 24 months as we agreed when I signed up because their interest rate was so high 32.99 %. I knew I would pay it off in 2 years before the promotional offered ended. So, I ask them XX/XX/XXXX could you send me a copy of our agreement to see if they even had it because I have the email. Care Credit XXXX Synchrony Bank states they didn't have the application, nor do they keep them. So, I upset at this moment and ask to speak to a supervisor they transfer me twice I speak briefly with the manager before he hangs up in my face while I'm talking. So, at this point I would like to pursue, some sort of action to get Care Credit / Synchrony Bank banned from being able to lend money to consumers because of their fraud practices. Lending to consumers under false pretense to mess up consumer financial life. In my case they lied about the 24-month interest free promotion also they charged 10 % more in interest than the agreement and reduced my limit from {$10000.00} to {$6700.00}. {$6000.00} times 32.99 % would have charged me {$1900.00}. They charged me 42.12 % which now shot my loan back up and over the limit. This is predatory lending and I see I'm not the only consumer complaining about this matter with Care Credit / Synchrony Bank. Please help me expose this companies foul practices in lending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood recently closed my account and Ive been trying to resolve my issue of my account being restricted and I gave them all the information they asked for every time they contacted me this started XXXXXXXX XXXX XXXX and they jsut now XX/XX/year> have closed my account I had XXXXXXXX XXXX in my account and my money was promised to get back to me and now they are not letting me withdrawal and no money has been sent and they wont send it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
I AM A VICTIM OF XXXX  TRAFFICKING WHICH IS ALSO THE RESULT OF IDENTITY THEFT. AFTER BEING A VICTIM OF XXXX  TRAFFICKING THE PREDATOR USED MY INFORMATION WITHOUT MY PERMISSION AND ALSO WITHOUT MY KNOWLEDGE. I HAVE ALREADY SENT OUT A LETTER TO THE CREDIT BUREAUS IN REGARDS TO THE FRAUDULENT ACCOUNTS AND INQUIRIES DONE IN MY NAME WITHOUT MY CONSENT WHILE BEING A VICTIM.ALSO HAVE SENT IN SUPPORTING DOCUMENTATION ACCORDING TO THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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 formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EXPERIAN credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting EXPERIAN directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report number XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my EXPERIAN credit report. Additionally, I seek written confirmation from EXPERIAN once these accounts have been corrected. I also ask the CFPB to investigate EXPERIAN handling of my dispute and its adherence to FCRA and CFPB rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase bank have been holding my bussines funds for over a year XXXX for no reason they keep giving me excuses

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if Account XXXX : XXXX CARD Date : XXXX Account XXXX : XXXX XXXX NA Date : XXXX Account XXXX : XXXX XXXX XXXX Date : XXXX Account XXXX : XXXX OF XXXX Date : XXXX Account XXXX : XXXX CARD Date : XXXX Account XXXX : XXXX XXXX Date : XXXX Account XXXX : XXXX XXXX SER Date : XXXX Account XXXX : XXXX XXXX NA Date : XXXX Account XXXX : XXXX Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
My account with Equifax 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 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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-10-03 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: SC

Complaint narrative:
This account has been requested to be removed ASAP How ever this account is in error not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: SC

Complaint narrative:
This account has been requested to be removed ASAP How ever this account is in error not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: SC

Complaint narrative:
This account has been requested to be removed ASAP How ever this account is in error not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MD

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-10-03 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: MD

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-10-03 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: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NY

Complaint narrative:
I submitted the complaint below approximately 2 months ago and still have not heard any updates from my student loan servicer. This is unacceptable as the interest continues to accrue on my loan without any resolution or update from my loan servicer. 

Original complaint from 2 months ago- I am currently on the SAVE plan and have been paying my necessary monthly amount, yet have run into two challenges that are not being addressed by my loan servicer. Challenge 1- According to the XXXX plan as long as the minimum monthly payment is made, the government subsidizes 100 % of remaining interest and thus the loan amount should not be increasing due to interest. I, however, have been noticing that interest has been accruing monthly since i signed up for the XXXX plan, despite my on time payments. XXXX XXXXXXXX to my student loan servicer, as changes are currently being made to the SAVE plan, I have been placed on a temporary forbearance period, during which there are no payments due, and according to the SAVE plan, no interest should be accruing during this time.I, however, am noticing that interest is still accruing despite being placed on a forbearance. In both points mentioned above interest is accruing when it shouldnt be and no communication is being given on how to fix the situation. I contacted my student loan servicer and mentioned the above two challenges that Im facing. I stated that 1. there should be no interest accrued/loan amount should not be increasing if monthly payments are made 2. during the current forbearance there should be no interest accrued. The agent I spoke to ( XXXX XXXX sounded confused as to why my interest is still accruing and after being placed on hold numerous times I was told that the program my servicer uses still accrues interest on my loans and that the government will adjust my interest accrual on a quarterly basis, which has still not happened. The agent I spoke to told me that I would get a call back later in the week with an update, however almost two months have gone by at this point, interest is still accruing and I have gotten no update from my loan servicer. This is completely unacceptable as my loan servicer should be held responsible in making sure the loan amount and interest accrued is accurate

Company response to consumer: Closed with explanation