vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: GA

Complaint narrative:
There is a collection on my report that is inaccurate. This collection is from 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 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I need help with these invalid accounts I found on my credit report. These are not mine. 
XXXX XXXX .. XXXX XXXX XXXXXXXX XXXX tell them not to add unknown accounts on my credit report. I want them remove asap! Thank you.

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 2023-10-20 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: FL

Complaint narrative:
The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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:
The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20 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: TN

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

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 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
i got an email from Transworld systems inc about some kind of debt owed to XXXX XXXX XXXX i do not owe any company any money. 

i request Transworld systems inc to desist and Defrain and not call me or try to collect on debt that does not belong to me.. i need them to double check my ss number and date of birth i do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
For my monthly bill in XXXX, the payment app was down again along with website, so I had to call and make my payment. I have made every payment on time for roughly 3 years, paying more than agreed. 

The payment came out of my checking account on XX/XX/2023 Citizens Bank NA Phone paytel {$170.00} is on my bank statement. Which I have photo evidence of. 

I received a late notice a week later, saying the payment was not made. 

I called on XX/XX/XXXX and they had told me the payment went into the wrong account and would be reviewed by a superior. They told me to call back in XXXX business days. 
I did call again and was handed off to several associates several times, spending an hour each time waiting for good news. The amount of times I have called this company is almost in the double digits. Each time, giving several people the same information over and over again until tears start flowing. 

Citizens keep requesting that I call again in 3 days which I have done for XXXX weeks. Spending a lot of time getting transferred to different associates or being on hold. The conclusion is the same each time, call us again sometime in the future and we will have you wait for nothing while we ruin your credit score.

I am concerned that my requests to have this as a " late payment submitted in error '' to the credit agencies are not being followed through with. This is not my mistake and should not affect my credit in any negative way. 

I appreciate having this option to file a complaint because I have had no luck and nobody to turn to for help. 

Case Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have made multiple attempts to rectify this issue directly with Amex, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off/ Collection listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate. And if you look at the consumer report, it's reporting as a charge off and collection, how is that possible? this reporting is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute a certain account that has been reported across the 3 bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : 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 2023-10-20 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: NY

Complaint narrative:
N accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-20 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: NY

Complaint narrative:
N accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
On XX/XX/XXXX I had XXXX XXXX on my right eye. All XXXXXXXX XXXX XXXX were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. On XX/XX/XXXX I had XXXX XXXXXXXX on my left eye ( by same provider ) and all XXXXXXXX XXXX XXXX  were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX with the exception of XXXX  on XX/XX/XXXX. 
I received 3 notices/bills in the amount of {$600.00} for the XXXX  provided on XX/XX/XXXX from XXXX XXXX XXXX XXXX I contacted provider after each bill ( last contacted on XX/XX/XXXX ) advising provider to submit bill to my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. Each time I was told the provider would relay info to the " back office '' and I would not be sent to collection. I received no further contact from XXXX XXXX XXXX. 
On XX/XX/XXXX I received a bill dated XX/XX/XXXX from Guardian Capital Management Hawaii XXXX XXXX XXXX XXXX XXXX for {$600.00} for services provided by XXXX XXXX XXXX referencing Date of Service XX/XX/XXXX. 
This charge is covered on my qualified XXXX beneficiary program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: HI

Complaint narrative:
On my Experian credit report Experian added a personal statement from me which is Fraud and the personal statement reads do not extend credit to me and to verify any personal details about myself with this phone number XXXX for XXXX years starting XX/XX/XXXX I no longer have that number XXXX and have filed XXXX disputes online. By mail and over the phone Experian who added personal statement refuses to update my phone number and remove the personal statement that I did not make. The personal statement has caused undue hardship poverty and exorbitant fees on myself and my children The personal statement by law should only be on and on my credit report for XXXX years legally Experian has extended this period to include XXXX mores years in total of 7 years ending XX/XX/XXXX I am unable to get a home loan, school loan and auto loan and a home rental because of this personal statement produced by Experian and added XXXX out my permission with an incorrect phone number and they will not remove this statement nor will they update it with the correct phone number which has affected my livelihood I have had repossessions paid exorbitant rates its like I am bankrupt XXXX a XXXX XXXX of XXXX Experian is the only XXXX one who can add a personal statement or remove a personal statement I have begged pleaded filled out disputes and no one will help me change this information and has caused significant hardship in my life mentally and financially and totally time consuming and nothing changes on my credit report Today I was denied for XXXX XXXX and XXXX XXXX cards which I would have been approved had it not been for this personal statement because the company has to call the wrong number to verify my identity added to my file by Experian Thanks Experian Experian has changed my PIN number passcode XX/XX/XXXX as well this is an Experian insider and I have suffered over a XXXX XXXX dollars in damages

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 2023-10-20 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: KY

Complaint narrative:
I have disputed the collection for XXXX XXXX with each credit bureau. This account is too old to be in my report, it is outside the statute of limitations and the company can not provide the documentation requested. It has been removed from XXXX and XXXX. Experience refuses to remove this erroneous collection.

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 2023-10-20 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: LA

Complaint narrative:
I noticed these collections reporting on my credit report. I do not have any connections with these companies nor did I ever do business with these companies. Please remove. Thanks

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 2023-10-20 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: LA

Complaint narrative:
I noticed these collections reporting on my credit report. I do not have any connections with these companies nor did I ever do business with these companies. Please remove. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: OR

Complaint narrative:
I started a short-term " Rent to own '' load with First American Finance , to purchase a couch. 

I was told in person and confirmed on the contract that I would be able to pay with any format of " Payment Card. '' I have used the card already to make prior payments. They are now refusing to process my payment, claiming that the card is unable to be used. 

I have reviewed my contract, and there is no limitation of the type of payment method that I can use, nor does it limit me to paying with a debit card. I have chosen to use my Credit card, as I have in the past. 

They are avoiding providing me a way to close my account, although I have attempted on multiple occasions to pay them the amount owed, with a payment type that is already saved to the account and has been used in the past. 

They are deceptive and hard to communicate with. They are denying my right to pay my loan in a format we are contractually agreed to pay with and which has already been used in the past. 

I would not use this rent-to-own partner for ANY reason as they are deceptive and this seems to be a clear issue with providing end consumers with deceptive offers, and a bait & switch methodology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXT Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I called Synchrony Bank today to try to resolve this issue. I asked to speak with a XXXX XXXXXXXX. I am being required to make a much larger minimum payment than usual because of the transaction dates of when my payments were processed. 

I purchased a XXXX XXXX bed and accessories on XX/XX/XXXX. The bed was not in stock and delivered until XX/XX/XXXX. My first payment was due on XX/XX/XXXX. A payment was made on XX/XX/XXXX. Since then I have consistently made monthly payments and on several months I have made multiple payments in a month. Some in upwards of {$1000.00}. I was told by the sales associate that as long as I made at least the minimum per month I would not be charged any fees. That has not been the case. I have read through the fine print on my statement and I do see that a minimum payment must be made by the due date but I have not been able to find where a payment must be made after a certain date to count for the next month. I find it shameful that because my XXXX payment that was made during a particular month was processed on the XXXX instead of the XXXX that it would not count as a payment for the next month. I precisely made an additional payment after receiving a paycheck so I could remain ahead so I would not incur any late fees. Payment dates include XX/XX/XXXX for a XXXX payment and then a payment on XX/XX/XXXX for XXXX. Instead I was charged {$41.00} for essentially being XXXX day early. The XXXX payment was due on XX/XX/XXXX. I made a payment for XXXX on XX/XX/XXXX. Simply because I was XXXX  day early XXXX month I was considered late every month thereafter. It is extremely challenging to make sure that the mail is delivered and that they process payments specifically on the correct day. It shouldnt be so difficult for consumers to understand these billing practices. Billion dollar companies like Synchrony shouldnt be allowed to use such deceptive practices. If I would have only made the average minimum payment of {$180.00} per month that amount equals to {$2100.00} in 12 months. I have made over {$4000.00} in payments in the last XXXX  months with no further purchases. It is unreal to me why companies like Synchrony choose to treat consumers this way. Truly confusing and unfair to the average 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 monetary relief
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation