vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: EQUIFAX, INC.
State: CO

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I found a booking for XXXX XXXX XXXX XXXX XXXX XXXX on Amex Travel and the hotel 's website ( XXXX XXXX XXXX  ). I reached out to Amex via their chat functionality to inquire about their Lowest Rate Guarantee policy. The hotel 's site had " the same room, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees '' than Amex Travel. According to the Lowest Hotel Rate Guarantee Terms and Conditions, If you book a qualifying hotel rate on amextravel.com and then find the same room, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we'll refund you the difference. Although I have fulfilled all of these requirements for the guarantee, the request for my claim has been denied.

- Qualifying hotel rate on amextravel.com : Lowest Rate Guarantee tag was listed on for the hotel and confirmed by the agent on XX/XX/XXXX - The same room : XXXX, 1 Bedroom, Pool View with ( 1 King Bed and 1 Double Sofa Bed ), confirmed via screenshots- Same dates : XX/XX/XXXX XX/XX/XXXX, confirmed via screenshots- Same number of children and adults : confirmed via screenshots that the booking is for two adults - At a lower price online, before taxes and fees : Hotel booking price : {$3300.00} before taxes and fees, $ XXXXtotal ; Amex Travel

booking price : {$5500.00} The reasoning given for denying this request are 1. The rooms are not the same. 2. The cancellation policies for the bookings are not the same. 
XXXX XXXX XXXX XXXX lists a maximum occupancy of four people.

As you can see from the screenshots, the rooms are in fact exactly the same. Once, I provided the relevant screenshots and video proving this, the representatives moved on to reasons 2 and 3, despite neither being listed in the policys terms and conditions.

I dont believe they can deny this request due to additional requirements that are not included in their terms and conditions under consumer protection laws,
as the T & C that are in place at the time of purchase are binding. This is especially frustrating due to the fact that the representative I chatted with prior to booking the room confirmed the T & C listed and that I was elegible for the guarantee. Despite how many times I have raised this, my direct concerns have not been addressed, and I have been dismissed, accused of trying to take advantage of the guarantee, and given the run around between teams. I appreciate your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
Be advised that this is a notification of CEASE AND DESIST - I REFUSE TO PAY THIS DEBT THAT I DO NOT OWE YOU I am getting emails from this organization and have no idea who they are or anything about a debt I owe them. 

Halsted Financial is aparently their name and are looking for payment for several different names : XXXX  of XXXX  XXXX ( for which I have an account already so there's that!! DOUBLE JEOPARDY!!! ) XXXX Bank ( for which I have an account already so there's that!! DOUBLE JEOPARDY!!! ) these people are trying to get money out of me from something I know nothing about. 

you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) You are in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) as i haven't been given a chance to dispute any debt You have no authority to furnish any account to any CRAs without providing all disclosures required by law - which you haven't done. If you do report to ANY CRA, You, then, will be in violation of 12 CFR 1006.34 ( d ) as well as 15 USC 1681-S2 ( 7 ) ( a ). 

Best Regards, XXXX XXXX CC : CFPB CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: EdFinancial Services
State: PA

Complaint narrative:
In reference to a complaint made this morning XX/XX/XXXX ( XXXX ) I made a report this morning with the CFPB about XXXX XXXX XXXX XXXX they have went on my XXXX account changed my report again for the 3rd time this week. Soon as my score go up. They go on my reports and drop my score. I only found out this happened ; because scamming XXXX XXXX XXXX XXXX sent me a email. At this point Im thinking they are working together. I literally just mentioned this morning in my report how they make changes so often. XXXX is just as responsible, because they allow it. I called XXXX on XX/XX/XXXX to inform them of this. I also asked them to remove some information that's not mine off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
In reference to a complaint made this morning XX/XX/XXXX ( XXXX ) I made a report this morning with the CFPB about XXXX XXXX XXXX XXXX they have went on my TransUnion account changed my report again for the 3rd time this week. Soon as my score go up. They go on my reports and drop my score. I only found out this happened ; because scamming XXXX XXXX XXXX XXXX sent me a email. At this point Im thinking they are working together. I literally just mentioned this morning in my report how they make changes so often. TransUnion is just as responsible, because they allow it. I called TransUnion on XX/XX/XXXX to inform them of this. I also asked them to remove some information that's not mine off my 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 2024-11-08 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: TX

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Block, Inc.
State: PA

Complaint narrative:
On Friday, XX/XX/scrub>XXXX XXXX I tried to purchase a dresser from XXXX using my Afterpay account. XXXX 's website froze up and the order did not go through. AfterPay charged my card {$15.00} ( AfterPay order detail # XXXX ) even though the purchase did not go through. I placed a second order with XXXX for the same item and that order did go through and Afterpay charged my card again in the amount of {$15.00} ( AfterPay order detail # XXXX ). I immediately tried to call AfterPay to explain what happened and they do not accept phone calls. All communication has to be done via email. So, I sent them an email explaining what happened and their response was that XXXX needs to cancel the order and they will not issue any refunds until they do so. XXXX can not cancel an order that does not exist. I tried explaining that to AfterPay and keep getting the same generic response from them. I even sent them a screenshot of the communication from XXXX stating that only one order was placed -- not two. Copy of email below. They are holding funds for an order that does not exist and refuse to issue the refund. 

XXXX XXXX From : XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX we only have one order the order number is XXXX XXXX XXXX XXXX XXXX  we only have 1 not 2 orders -- XXXX XXXX XXXX Associate Pronouns : XXXX XXXX XXXX XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX United States XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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 formally request the blocking and deletion of unauthorized accounts from my credit report due to identity theft. I recently became aware of fraudulent accounts opened in my name following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting immediate removal of these accounts. 
The following accounts are fraudulent and must be removed from my credit file : 1. Creditor : XXXX OF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} 2. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 3. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} 4. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 5. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} 6. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 7. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} 8. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-11-08 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: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 explanation
Consumer complaint received 2024-11-08 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:
The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.

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 2024-11-08 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: NJ

Complaint narrative:
I disputed with Experian that they have on my credit report information that they acquired legally and not thru the court. I have XXXX dismissals of bankruptsy appearing on my credit report of information that was not provided to them by the court. They obviously didn't aquire this thru the court but still managed to make bankruptsy dismissals appear on my credit report and it's keeping me from getting loans and heloc to fix my home..please help me so they remove that information from the credit report ... The court has sent me a letter stating that they did not report to Experian, and I sent it to experian, but they still will not remove the XXXX dismissals from appearing on my credit report.. 

This is the letter that I sent Experian : I have previously disputed ( Public records of Bankruptsy dismissal Reference # XXXX on XX/XX/year> with you and in responce, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their responce is enclosed. 
It is clear they do not report to you or any credit bureaus for that matter, therefore, your innitial responce verified the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately. 

Sincerely XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-08 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: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: Experian Information Solutions Inc.
State: FL

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 XXXX out of XXXX 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I applied for a HELOC from XXXX XXXX XX/XX/XXXX. XXXX informed me Equifax had a hold on my credit and I would need to call and remove it. I called and was told I do not have any fraud alerts or freezes on my credit and XXXX must had submitted something wrong. I called Equifax everyday and was continually told my credit file is clear. I also tried to access my credit through my experian and was unsuccessful. XXXX continued to try to run my credit unsuccessfully. I decided to mail my passport, social security card and drivers license to Equifax fraud department in XXXX. I received three notifications by mail from Equifax that my credit file is free of fraud alerts and freezes. I attempted to access my experian and recieved an error message. I was able to access my credit report after calling Equifax. My credit file was up to date and I had a credit score. 

I went back to XXXX XXXXXXXX  and told them we could move forward. I was notified by XXXX on XXXX that my file continued to have a hold on it. I immediately called Equifax and was told there is not any alerts on my file and XXXX entered something wrong. I explained I sent documentation and could they ensure my file is accessible. I was transferred to the fraud department. The rep on the phone told me I don't have an alert but he confirmed my documents. He then said I will now remove the hold on your file.I asked how was a hold on my credit if I have been told I never had a hold. XXXX will be able to pull your credit in an hour. 

At XXXX XXXX XXXX XXXX called and told me they can pull my credit but I don't have a credit score and all of my balances are XXXX. This included my current mortgage and accounts that they manage. She was told by Equifax this weird and I would need to call Equifax. 

XXXX Spoke to Equifax about my credit file not having any balances reporting since XX/XX/XXXX and no score being available. The rep told me I must have paid all of my balances or I need to tell my creditors to report to Equifax. I explained my creditors do report and I have balances currently. They told me they don't know what happened but I could always file a complaint

Company response to consumer: Closed with explanation