vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: IL

Complaint narrative:
My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on XXXX. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. 

I demand that the late payment reported in the specified months be removed. 

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law. 

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least XXXX  days before the due date. 

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date in good faith pursuant to rule XXXX, but this proof was never provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received an egift card from work for {$300.00}. Has never worked at any retailer online or in person. I have tried contacting American Express and after waiting for a half an hour they said I just need to keep trying. This was not helpful and was a big time waste. 
I don't have time to continue trying and failing. It takes time to set up info and then to have it declined is frustrating. 
American Express is disappointing me. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options. 
I just wish we had the old cards that actually worked and that way I wouldn't have to deal with this kind of thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: NY

Complaint narrative:
I seek relief from XXXX XXXX XXXX to cease reporting late payments or Charged Off status on my credit profile any to agencies such as Equifax, XXXX, and XXXX for XXXX XXXX XXXX Account No. XXXX in the My name XXXX XXXX. Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I seek relief from XXXX XXXX XXXX to cease reporting late payments or Charged Off status on my credit profile any to agencies such as XXXX, Experian, and XXXX for XXXX XXXX XXXX Account No. XXXX in the My name XXXX XXXX. Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify

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 2024-06-19 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bankruptcy listed on my credit report is incorrect. The case you have reported as accurate is actually invalid. I have never had a case heard or adjudicated. There was never a judgment, which means no case was ever presented before a judge. Therefore, this entry should not be on my report. If this information continues to be reported without proper verification, I will seek legal action. My attorney is prepared to file a federal case within XXXX  days of this letter if the issue is not resolved. 

Please remove this account from my file immediately. 

Bankruptcy XXXX XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pomelo International, Inc
State: GA

Complaint narrative:
I initiated an international money transfer of {$680.00} on XX/XX/year> to XXXX for the equivalent amount to be deposited in a bank account. As of XX/XX/year>, the money has not been deposited. This transaction usually concludes within minutes. I have called and emailed XXXX multiple times and all theyve told me was that there was a glitch on the date the transaction occurred. It has been 11 days. They initially sent an email indicating the money would be deposited on XX/XX/year>. Till date, they have not been able to tell me when or how this issue will be resolved. 

Reference code : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Syst. balance {$390.00} not my collection no proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
OVER A MONTH AGO I BEGAN TO REVIEW MY CREDIT REPORT AND I FOUND FRAUDULENT MEDICAL AND COLLECTION ACCOUNTS ALONG WITH PERSONAL INFORMATION ASSOCIATED WITH IDENTITY THEFT ON MY CREDIT REPORT. 

I CONTACTED THE BUREAUS AND REPORTED IT ONLINE AND OBTAINED A REPORT. 

I ADDED A FRAUD ALERT AND FREEZE AS WELL THE OTHER BUREAUS INVESTIGATED AND REMOVED THE ITEMS BUT EQUIFAX IS REFUSING TO PROPERLY INVESTIGATE AND REMOVE THE FRAUDULENT ACCOUNTS. 

XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
To Whom It May Concern, I am currently dealing with a dispute situation with a company regarding some charges that have been questioned. These charges are very similar to ones that were proven to be fraudulent by another financial institution, and I have already provided the necessary documentation to support my case. My phone was stolen during an XXXX ride, and as a result, someone gained access to all my banking information and made unauthorized transactions totaling thousands of dollars. 
I am reaching out to request your assistance in resolving this issue promptly, as it is a matter of great importance to me. I am facing the possibility of being evicted due to the substantial amount of money involved. 
Provisional credits have already been issued in one of the cases, but l urge you to consider extending these credits to cover all the disputed charges. My direct deposit is linked to this account, and significant sums of money are regularly deposited into it. I kindly ask for your urgent attention to this matter, as I was assured that provisional credits would be provided by the XXXX, only to be informed of a different decision on the XXXX. I am hesitant to make any further deposits into this account until this issue is resolved satisfactorily. 
Your prompt assistance in this matter would be greatly appreciated. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: IL

Complaint narrative:
XXXX XXXX-dispute a dispute occurred which my bank investigated and I won. 

XXXX XXXX claims the debt is real

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 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I was pre-approved by Synchrony Bank Credit Card last XXXX  2022 for a credit card and when I accepted their offer, I was given a credit limit of {$4000.00}. I used my card and have been making payments monthly and on time. After a year, XXXX  2023, they increased my limit from {$4000.00} to {$6000.00}, to which I DID NOT request nor applied for. My credit is not stellar but I make sure I don't miss any payments on any of my existing credit cards. The increase in limit has helped my score to go up. However, this year in XXXX, I was surprised to see that Synchrony Bank Credit Card had " decreased '' my credit limit up to the amount of my outstanding balance. This had caused a HUGE drop in my credit score as it showed almost XXXX XXXX usage on this particular card alone - from the XXXX 's score down to below XXXX score. I called them and asked for the reason and they said that based on my credit utilization, they had to lower my credit limit AND I don't own a home where they can recover my liability to them. 

As a consumer, I don't think it is rightful and legal for Synchrony Bank to lower my limit just because I don't own a home. My credit utilization may be high but I make sure I make on-time payments and pay additional rather than just the minimum. This is discrimination against non-homeowners. If they rewarded me with a higher limit in XXXX  2023, they should have kept that limit instead of decreasing it. I don't intend to use them as I have been paying cash in all my expenses now and I have been working so hard to increase my credit score or leave it fair. This is the only credit card company I know of who penalizes consumers for not owning a property and takes back their reward for having more than XXXX XXXX utilization, even when payment history is outstanding. 

I am submitting this complaint to seek your help on this matter. It affected my credit score tremendously. Had I known they would damage my score this much, I would not have accepted their credit card offer. 

Thank you so much! 

Respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-19 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 have review a copy of my credit report and i have found fraudulent inquiries and collections on my report. Please remove this fraudulent INQUIRIES AND COLLECCTIONS from my credit report. They are hurting my ability to obtain credit.

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 2024-06-19 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: MN

Complaint narrative:
I paid XXXX XXXX the full amount of the collections of {$57.00} in which they said they will remove this record off my collections

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 2024-06-19 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: MN

Complaint narrative:
I paid XXXX XXXX the full amount of the collections of {$57.00} in which they said they will remove this record off my collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-19 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: CA

Complaint narrative:
Two inquiries on my credit report from XXXX XXXX XXXX XXXXXXXX that was done XX/XX/2022 and XXXX I provided the police report. Equifax removed the account but not the inquiries. I didnt even apply to them at all and not sure who applied using my credit. Im attached a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
In XXXXXXXX XXXX XXXX I refinanced my house to pay off my daughters student loans ( Parent Plus loans ) and my wifes loans 4 parent plus loans valuing {$48000.00} dollars and 5 loans from my wife attending XXXX University valuing {$25000.00} I have not seen anything posted to my account on the parent plus loans even though the account numbers were on all 9 checks and the amounts from the credit bureau I sent them copies of the checks to no avail. The mortgage company satisfied the VA requirement of Loan to value so that the loan could be processed. Just to have MOHELA misappropriate the funds. This is not right all of the checks were earmarked specifically for the purpose of meeting the requirements. I have reached out to the credit bureau and they wont help I have been trying since XXXX to resolve this problem and they said my account was transferred, but now they have sent repayment options, how can they be asking for more money when they misappropriated the money from XXXX with no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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