vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXXXXX XXXX  offered grace periods during Covid XXXX. They ensured that this would not impact their customers credit by offering this special grace period. I have made my payments on time and I need my payment history to be updated as my payments being made 100 % on time.

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 2024-07-17 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: MA

Complaint narrative:
I have XXXX late payment on my XXXX XXXX Credit Card ( Account Number XXXX ), XXXX XXXX XXXX ( Account # : XXXX ) that is reporting late on XXXX of my credit reports but showing as on-time on my other credit report. 

According to 15 U.S. Code 1681 my reports need to show accurately and it is currently not.

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 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank
State: TX

Complaint narrative:
In XXXX, our company received email communication about change of bank information of XXXX of our suppliers. Our Company made a payment to this supplier ( XXXX ) to their new account with SYNOVUS bank on XX/XX/XXXX. On XX/XX/XXXX ( XXXX  ), at XXXX XXXX, XXXX XXXX  called us, stating that the receiving bank found mismatched payment information and had held the funds, asking us to confirm. We immediately called XXXX again and realized they had never changed their bank account! We promptly called XXXX XXXX  at XXXX XXXX, instructing them to stop the payment immediately and asking SYNOVOUS Bank to hold the payment. My manager also sent a text message to ensure they would try to freeze the funds. 

Subsequently, XXXX informed me that their accountant 's email had been cloned. The emails I had received about the account change and confirmation were not from their accountant. That day, after notifying XXXX XXXX, XXXX contacted SYNOVUS Bank ( we are currently obtaining the communication content and timeline between the XXXX banks ) and initiated the fund recovery process. On the next day, XX/XX/XXXX, we reported the incident to the FBI online and the XXXX Police Department. I also personally went to the police station to file a report ( case number : XXXX ). The police said the case would be transferred to the relevant department for handling. 

Today ( XX/XX/XXXX ), we received information from XXXX XXXX  that the online recovery of the payment had failed. During this period, we also contacted SYNOVUS Bank, but they said they could only communicate with the remitting XXXX XXXX. Today, we communicated with XXXX XXXX  again. It is currently unclear whether the funds are still in the SYNOVUS bank account, and it may require legal action or assistance from the FBI and police to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX IL XXXX - XXXX Federal - XXXX XXXX XXXX XXXX  IL XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have not heard any reply. I sent a complaint to the CEO XXXX XXXX and FDIC this morning and am still waiting for a reply. I already have a checking account with JP Morgan Chase bank that received my lifetime pension- Social Security and XXXX pension, every month.. that totals approx. {$26000.00} plus I have new business contracts for ( XXXX ' XXXX XXXX XXXX XXXX. Here is the link to my website for more details : our website XXXX XXXXXXXX XXXX XXXX/ NOTE : I have an open elder abuse case and need the funds to move/relocate - asap. ** View " Home '', " About '', " More '', '' Gallery '', " News & Views '', " Events '' & " Shop '' / '' Learn More '' ** I conduct XXXX, and also have been fundraising. Here is a business description : XXXX XXXX XXXX XXXX XXXX encompasses XXXX distinct entitiesa professional business advisory consulting firm and a 501c3 non-profit organizationboth dedicated to fostering international education and sustainable communities. 

The consulting firm acts as a strategic partner for businesses, ( XXXX, XXXX, XXXX ) offering expert guidance in areas such as market expansion, strategic planning, cross-cultural collaboration, and sustainable practices. Leveraging its global network and expertise, the firm assists clients in navigating complex international markets while prioritizing ethical and environmentally responsible approaches. 

Simultaneously, the affiliated non-profit organization, under the same name, focuses on advancing education and sustainability on a global scale. Through educational programs, scholarships, and partnerships with institutions worldwide, the non-profit aims to empower individuals with the knowledge and skills needed to drive positive change in their communities. 

These entities symbolize a holistic approach to creating a better world. The consulting firm facilitates responsible business growth, while the non-profit promotes international education and community-driven sustainability initiatives. 


XXXX ' XXXX XXXX XXXX embodies the concept of transformation and renewal, echoing its commitment to propel individuals and businesses towards a more interconnected, educated, and sustainable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
Could you please assist me with an erroneous account showing on my credit report? This has been affecting my reputation, and I urgently need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Every email I receive from AMEX, at the close of the billing cycle, includes the statement balance. The XXXX email did not. I had only made XXXX purchase during that billing cycle which I did not recall, so I thought the lack of balance in the email meant I had no balance due. The email was actually a technical error on the part of AMEX since I did have a {$16.00} balance. This resulted on a late fee of {$16.00} being added to my balance. They refused to move the fee, stating I had a courtesy waiver previously, making me ineligible for another fee waiver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 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: GA

Complaint narrative:
Experian is furnishing and posting unauthorized and incorrect information on my report regardless of how XXXX  times I dispute or request a full report. I have been denied over and over for incorrect information and anytime I attempt to dispute, Experian comes back with its verified with NO additional information. Instead the just " re-age '' the account in order to allow the account to further harm me and my reputation. Also none of the disputed debts have been reported to any other agencies as required by federal law. I have directed for this inaccurate accounts to be proved or removed and yet NO action has been taken on the part of Experian to do their duty in ensuring the information they report is accurate, complete, and up-to-date. Credit reporting agencies must have a fair and timely process for consumers to dispute errors on their reports and investigate disputes, which has not happed. I have been violated over and over and there seems to be not recourse, remedy or accountability. There are mutltple accounts posted with " charge offs '' that ive received no 1099C for that ive let Experian know over and over again Experian has settled with the Federal Trade Commission ( FTC ) several times for alleged violations of the FCRA and GLBA, including a XXXX settlement related to its data security practices. 
Experian has been sued multiple times for allegedly violating the FCRA, including a XXXX lawsuit alleging that the company failed to properly investigate disputes and remove inaccurate information from consumer credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have been unable to resolve an issue with the Boeing Employee Credit Union. 

XXXX months ago I initiated an ACH transfer from XXXX  XXXX XXXX to BECU. XXXX ACH transfers for a total amount of {$1200.00} were mis-directed to a wrong account in XXXX, XXXX and XXXX of 2023. 

BECU said the funds went to someone else 's account. I have provided evidence that I submitted the correct information for the funds to go to my account. The bank has refused to reverse the charges. I have records that include my bank account number and the incorrect bank account number at BECU. I also having tracing numbers. 

I have been working on this issue for XXXX months and multiple claims have been denied. I believe that their nonresponse and inability to correct what they ADMIT is a bank error are out of the bounds of acceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal dispute regarding an unauthorized hard inquiry on my credit report. This inquiry is definitely invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In XXXX or XXXX of XXXX, I received a letter from a collection agency trying to collect {$14000.00} that was owed to the XXXX XXXX. 
Someone used my Name, XXXX and SS # to rent an apartment from XX/XX/XXXX - XX/XX/XXXX at the XXXX Apartments at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I'm assuming they never paid rent and I am being contacted to pay this debt. 
This is fraud / identity theft. 
I lived with my wife in an apartment in XXXX, CA XXXX from XX/XX/XXXX- XX/XX/XXXX. 
I have rent payment receipts, water and power bill payment receipts, my XXXX lease agreement that started in XX/XX/XXXX, after which I was month-to-month till we moved out. 
I have done a background check on myself that does not show me ever living at the address where my information was used in fraud. 
This collection amount has hit my credit report as of XX/XX/XXXX and reduced my credit rating by XXXX points. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: MD

Complaint narrative:
I received a XXXXXXXX XXXX XXXX  that I did not request. It says that it is from XXXX, XXXX. When I went to XXXX 's website, it indicates that all of its products are issued by a XXXX party. In the tiny print, it says ( XXXX ) I did not apply for the card, ( XXXX ) my information name and address were provided by a XXXX party and I can email XXXX to cancel the card and opt out. However, opting out seems like another opportunity to capture my information for the next XXXX party partner.

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 2024-07-17 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: TX

Complaint narrative:
My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I identified multiple inaccuracies that are adversely affecting my creditworthiness. I trust that you will conduct a thorough investigation into these discrepancies to rectify any errors. 

The specific item I request verification for is as follows : XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} This collection is under my previous name ( XXXX XXXX ) connected to my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I closed my Comenity bank card in XXXX. Since then they have reported to the credit bureau that I am late and have an outstanding balance of {$17.00}. I call to rectify first time, they say it was a mistake and they will remove and the account has been closed. The continued to report to the credit Bureaus as late and balance still owed when confirmed through them account was closed and nothing is owed. Why are they still reporting over and over that I am late? This is affecting my employment with my federal licenses XXXX, this is affecting my ability to finance investment properties and future financing, and causing my stress and losing all my hard work to have my credit in a strong status vs medium status which costs me thousands of dollars with future financing opportunities. I can not seem to get them to stop dinging my report even though they said they would. Please advise. Something needs to be done for them to stop damaging consumers credit profile when the consumer is not at fault. How can I call 3 times and talk to three supervisors and they confirm that this is cleared and apologize and nothing happens but more damage to my financial resume. Please advise to this company to start doing things correctly. I am considering filing a law suit as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 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: PA

Complaint narrative:
This complaint is by me XXXX XXXX XXXX XXXX and its not by a third party. It is to inform you that my consumer rights are being Violated by the credit reporting agencies. There are several accounts being furnished on my account that I have know knowledge of. I demand that these accounts be removed 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 non-monetary relief