vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2024-11-22 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:
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 explanation
Consumer complaint received 2024-11-22 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: TX

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 non-monetary relief
Consumer complaint received 2024-11-22 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: NC

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail.

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 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern, XXXX for XXXX XXXX XXXX XXXX would like to file a formal complaint against PayPal with the Consumer Financial Protection Bureau as our funds are being held and we have been repeatedly denied access to anyone who could resolve this issue for us. 

On XX/XX/year> XXXX for XXXX XXXX XXXX XXXX created an invoice in the amount of {$25000.00} with the description XXXX XXXX XXXX. The XXXX XXXX submitted payment on XX/XX/year>. On XX/XX/XXXX, {$13000.00} of the {$25000.00} payment was available for immediate withdrawal. The remaining {$11000.00} has been on hold for nearly XXXX  days - over the timeframe that PayPal initially told us they could hold funds up to and now, our account is locked making it impossible to withdraw the remaining funds. 

PayPal states they need further information from us about our tangible goods and services that we sell. We have replied to their requests stating that we are a non-profit organization and we do not sell tangible items or services, we provide programs in the community. We are utilizing the PayPal app to be able to accept contributions from supporters who believe in our work and mission and they wish to donate to our cause, often using a credit card. 

We have reached out to PayPal nearly daily and remain unable to get anyone to address this issue and they keep pushing us to an AI chat bot. Now they are requesting the buyer to reply back to an email. It is challenging enough to raise donations from donors, but it's even more difficult and embarrassing to ask the donor to go to further steps to get the funds to us. Within the portal it now says they can hold our funds up to XX/XX/year>, which would be nearly a two-month hold. 

We are a small non-profit and this contribution is a large amount of money for us. We are hoping that the Department of Financial Protection & Innovation can help us resolve this issue with PayPal and release our funds immediately. Here are the details : Transaction Date : XX/XX/year> Transaction Time : XXXX Transaction # : XXXX Transaction Amount : {$25000.00} Funds Which Have Been Held : {$11000.00} We thank you in advance for your support with this matter. If you have any questions, please feel free to reach out to me directly at ( XXXX ) XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX for XXXX & XXXX XXXX Attachments : Timeline of events Backup - Corresponding emails and communication Transaction Details showing hold of XXXX  days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I filed a dispute on some fraudulent charges on my credit card totaling up to {$3700.00}. I opened the dispute on XX/XX/year> they said they would call me within 10 days. I have not received any calls, and I have contacted them over 10 times asking for an update. It looks like they don't want to work on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IN

Complaint narrative:
They did not verify any debt or show permissible purpose for the hard inquiries.

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 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: VA

Complaint narrative:
In XX/XX/year>XXXX my active-duty husband was sent to California for a 6- to 7-month training course. At the time, I was unemployed, and all of our money went into relocating from Oregon to California. I contacted Western Funding in XX/XX/year> to request a payment extension to avoid losing my car, which is essential for my daily life. Instead of extending the payment, the representative said they would change my payment due date. I did not request this specific change, but they proceeded with it anyway. 

A few months later, I called again to request that my due date be moved to the 15th of the month since my husband, being in the military, is paid on the 1st and the 15th. Our rent is covered by the 1st paycheck, and bills are handled with the 15th paycheck. However, I was informed that my account had already reached the limit of two due date changes, even though I had only requested one changethe other was done without my consent. 

For the past year, I have repeatedly asked Western Funding to adjust my due date to the 15th to avoid late fees, but they have refused. As a result, Ive accrued {$58.00} in late fees despite consistently paying my car payment between the 11th and 15th, depending on when my paycheck clears. I am a reliable customer who makes payments every month, yet their refusal to adjust my due date feels unethical, as it seems they prefer to collect additional money through late fees. 

Additionally, there is an error in how they are reporting to the credit bureaus. My credit report reflects an extra {$16.00} added to my balance, even though I am making my payments each month. 

Ive also attempted to speak with a supervisor multiple times, but I am consistently told that no one is available. This has made resolving the issue even more difficult. I believe these practices are unfair and would appreciate having my concerns addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have not had an updated credit report since XX/XX/year> i get errors saying Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. or that I dont have enough info for credit report which I know is wrong. Ive even tried to update my new address and still nothing Ive cont aged them several times and they act like they dont know whats going on Ive even sent them documents of my new adddesss and identity verification still no credit report. Ive tried applying for credit cards and they pull XXXX and Im denied because they say they arent able to pull my credit report from experian

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have not had an updated credit report since XX/XX/scrub>XXXX XXXX  i get errors saying Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. or that I dont have enough info for credit report which I know is wrong. Ive even tried to update my new address and still nothing Ive cont aged them several times and they act like they dont know whats going on Ive even sent them documents of my new adddesss and identity verification still no credit report. Ive tried applying for credit cards and they pull experian and XXXX denied because they say they arent able to pull my credit report from experian

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 2024-11-22 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: AL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. 

Late Payment 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 non-monetary relief
Consumer complaint received 2024-11-22 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: AL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge off 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 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 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 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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened an account with XXXX XXXX  in XX/XX/XXXX. I opted to join their secure payment program. I then cancelled it on XX/XX/XXXX. Suddenly, my account was closed in XXXX for returned payments due to an issue with my payroll direct deposit. However, I changed the bank info on file and the payments were made immediately thereafter. Payments have not been overdue or past 30 days. It seems as if the closure is in retaliation for cancelling the secure payment program. 
There was no inquiry made by them to see if there was an issue on my end, nor was there a warning about closing the account. They just closed it with no regard to its effects on my credit. This unnecessary closure for a recently opened account has negatively impacted my credit score and opportunities for good interest rates in auto loans. 
I reached out to them on XXXX XXXX, but the representative did not offer any resolutions. They simply said that I was not able to restore my account.

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 2024-11-22 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: KS

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
This account has a XXXX balance and is reporting as a charge off account. This account was bought by third-party collection agency and theres no more relevant. Please remove now. 
XXXX account number : XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
This account has a XXXX balance and is reporting as a charge off account. This account was bought by third-party collection agency and theres no more relevant. Please remove now. 
XXXX account number : XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
I was promised a {$400.00} promotional deposit with the requirement of depositing at least {$1000.00} in direct deposits within 60 days. I completed this task and phoned a representative and confirmed that the requirements had been met and I would be receiving my promotional payment. I still have not received that bonus and am now being given the runaround by first horizon bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
Fay Servicing has acknowledged that the LTV on this loan is 73 %, but is refusing to remove PMI from the loan. 

Law requires PMI removal at 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

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 explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
On around XX/XX/year>, I started receiving suspicious texts and calls from XXXX stating I had a past due balance and threatening action. I have never used that card, and after reviewing my credit report and contacting AMEX, it seems that someone is attempting to steal my personal information.

Company response to consumer: Closed with non-monetary relief