vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
I was awarded a {$100.00} virtual XXXX from XXXX. I received redemption instructions on XX/XX/24, to access my virtual gift card. I clicked through the instructions and got to the last screen, and received an error message : " We apologize. We have identified an error on our side. Please contact customer service at XXXX. '' I called the number and the customer service representative worked through possible solutions with me but we were unbale to activate the card. I was given case number : XXXX and in the meantime, I requested and was sent a new link to access the gift card on XX/XX/24. I received an update from Blackhawk on XX/XX/24, that I should contact XXXX, but that was incorrect because Blackhawk issued the card and they are responsible for it. I called Blackhawk on XX/XX/24, and was told by the representative that they were going to send my a physical card to replace the code. They I received an email on XX/XX/24, from Blackhawk saying it wasn't their problem and that the case was " resolved. '' The case is NOT resolved, I do NOT have my {$100.00}, and NO one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: CA

Complaint narrative:
I submitted a claim under Louisiana XXXX " XXXX A. ) Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per XXXX  during the period that the person is XXXX on XXXX XXXX. '' I have been paying over XXXX  % in interest since my first loan with Pioneer XXXX. Other companies have honored my Louisiana XXXX. On XX/XX/XXXX Pioneer sent me the following : " Dear XXXX, Pioneer Military Credit LLC has received your request to reduce the interest rate on your current loan offer under the federal Servicemembers Civil Relief Act, XXXX XXXX. XXXX ( SCRA ), and XXXX XXXX  Civil Relief and Consumer Rights Act, LA Rev XXXX XXXX. Pioneer Military Credit LLC strives for the best in customer satisfaction and appreciates the opportunity to assist you. 

The XXXX allows a XXXX XXXX  to request a creditor reduce the rate of interest to XXXX percent ( 6 % ) only for financial obligations that were incurred prior to the service member entering military service. 

XXXX interest rate cap for XXXX XXXX XXXX only applies to retail installment sales contracts, other contracts for the purchase of goods or services, or bonds, bills, notes, or other instruments of writing for the payment of money arising out of the contract or other transaction for the purchase of goods or services. LA XXXX XXXX XXXX ( XXXX ). As your loan with Pioneer Military Credit is a personal installment loan and is not in connection with the purchase of goods or services, your account does not qualify for the requested reduction in your interest rate. 

Pioneer Military Credit LLC thanks you for your service to our country. If you have any questions, please contact us at XXXX or by email at XXXX. 

Sincerely, Pioneer Military Credit '' The amount in paying on interest is way too high and its starting to put me in financial ruin. 

:

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
A renter sent me a false check, in XXXX, I reported this check to PNC in XXXX, they did not look into until XXXX after my reporting of this matter on more than one occasion. When my account was closed in XXXX, they did so with no warning, no communication, no email, no call. I came into various branch offices and called to understand what was going on for why my account was closed and my remaining balance was not refunded to me OUTSIDE of the funds of the false check ( that they processed in XXXX and hadnt caught until months later in XXXX despite my reporting in person and via phone several times! ). In XXXX and XXXX Ive visited branches a total of 3 times, all pointing me to call a number, the numbers they give tell me to go to a branch to speak with bankers, bankers give me a number to call and the cycle continues. After each visit, a banker takes my name and number- but no follow up is ever given. Ive been at this since XXXX, it is now XXXX and no resolution or my returned funds. I have all evidence of the background check, emails, and lease details of the person who gave me the false check that started this all. Ive kept all evidence, which Ive tried to give to PNC, but they dont look at or request any evidence Ive tried to share. They are not resolving the issue on my behalf which as a customer of over 14 years is disappointing. I will be switching banks after this matter is resolved and will trust my savings account with my emergency funds elsewhere, as this issue has been a stressful financial hardship given XXXX XXXX XXXX XXXX during this time and needed my emergency savings to help pay my mortgage and other expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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

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

I demand the late payment reported to be removed.

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

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

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

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


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


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX  Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-10-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This was debt loan that I got in XXXX  and because I became very ill with covid shortly afterward the loan was forgiven, I don't know who's Debt recovery solutions are I never signed any contract with then not have I received any correspondence from them I didn't receive any notice saying they had purchased the debt from from blinc or scratch the original company nor did I sign anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am writing to formally file a complaint against Elan Financial Services regarding a highly disproportionate interest charge on my credit card account for the billing cycle ending on XX/XX/year>. I believe the interest charged is incorrect and unfair, and I am seeing your assistance in resolving this issue. In the most recent statement, I was charged XXXX in interest on a balance of XXXX. This charge is particularly alarming because I had made payments totaling XXXX in the prior month, significantly reducing my balance. Based on my understanding, the interest should be calculated as of the statement closing date, not based on any amount that was paid down during the month. This situation has caused significant concern, as I believe this interest calculation does not reflect the actual balance carried over into the next billing cycle. I have reached out to Elan Financial Services but have not received a satisfactory resolution. I request that the Consumer Financial Protection Bureau investigate this matter and help ensure that interest is calculated fairly. Enclosed are copies of my recent statement and payment records for your reference. I appreciate your assistance and look forward to your prompt response to this complaint.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm a tenured Chase customer. I Attempted to open a Trust account after the passing of a family member. XXXX was helpful & pleasant, apologetic & knowledgeable of a very recently outdated process. For the new process she worked hard for me yet was overwhelmed in completing the current process. In addition to not being supported ( my observation ) by her branch manager in escalation who was replaced and not supported by her back office. XXXX told me that she could not document anything in in writing as to what the problems were but would be happy to speak with me. The forms had to be completed by another family member in a different county in NY and those simple processes took a visit to three separate branches to properly complete an internal Chase bank form. I delivered 100 % and beyond of the requested information including notarized attorney generated documents that were more than sufficient to open a simple banking trust account. I began the process XX/XX/XXXX, I had to drive the process forward several times including weeks of zero communication after I filed a complaint ( after a month of frustration ) with XXXX at the beginning of XXXX where I had to follow up. On XX/XX/XXXX I was told that it came back denied again with one of the many reasons that the deceased family member didn't properly complete a form during the period after they were deceased. I opened a Trust account with the exact same documentation at other major banks with zero problems and prompt account creation. A non savvy consumer without resources could be placed in a dangerous position in both XXXX XXXX of unnecessary XXXX and stress during the period when a family member has passed as well and financial duress by not having time critical banking needs met which could prevent deposits and disbursements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit 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: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX XXXX  my phone was stolen when I was out and the person who stole my phone used my credit card that was in my apple pay wallet. The person had all access to my personal information and was able to pose as me by changing my email and passwords. As a result, the person was able to bypass security measures and act as myself. He committed fraudulent charges with my XXXX XXXX credit card in approximately {$2000.00} and my Discover credit card in approximately {$6000.00}. I have tried to dispute with the bank on several occasions and they have said because the security measures cleared, I am responsible for the charges. I did not make these transactions, and it is unjust that I have to pay for charges not made by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Date of Birth : XX/XX/XXXX Correct and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) po box 27170 Washington, D.CXXXX XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to formally dispute incorrect information reported on my credit report. On XX/XX/XXXX, I contacted all three credit bureaus regarding inaccuracies, but as of today, XX/XX/XXXX, I have not received any communication confirming the removal of this incorrect information. 

Credit Report Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Last 4 of SSN : XXXX I am demanding the immediate removal of all incorrect information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. Section 609 ( 15 U.S.C. 1681g ) mandates that consumers have the right to obtain all information in their files at the consumer reporting agency, including any inaccuracies that may be affecting their creditworthiness.

Additionally, Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to remove any information that can not be verified. As I have disputed this information and received no response, the agencies are in violation of the FCRA.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from misleading or inaccurate information. As such, I am requesting that you ensure all reporting agencies comply with federal law by conducting a thorough investigation and removing any unverifiable information from my report.

Please confirm receipt of this letter and provide documentation regarding the actions taken in response to my disputes. I expect the inaccurate information to be addressed immediately, as mandated by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief