vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: GA

Complaint narrative:
I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the XXXX XXXX. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to XXXX, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.

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 2024-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
In XXXX of this year, I opened a high yield savings account with American Express after having received an offer from them to receive a {$350.00} promotion bonus after depositing {$25000.00} and keeping that minimum balance deposited for at least 3 months. I contacted American Express after opening the account to confirm my eligibility for this offer. My eligibility was confirmed at that time in XXXX, and I was told to call back in XXXX if the promotional bonus of {$350.00} had not been credited to my account. In XXXX, I called back and was told that the amount would not be credited until XXXX. Since then, I have called in a total of XXXX  times and have been given the runaround each time. Each of the last XXXX times I have contacted American Express, the agent confirms that I meet the criteria and that they are opening a research request with someone being assigned to call me back within XXXX hours. No one ever called me back after each of these contacts. My last XXXX calls were on XX/XX/XXXX and XX/XX/XXXX. On the XX/XX/XXXX call, I learned that a research request had not in fact been opened previously ; I spent XXXX minutes on the phone and demanded to speak to a supervisor. The supervisor ( XXXX XXXX, XXXX # XXXX ), informed me that the promotion was run by the cards department, not the bank. He indicated ( contrary to what the last agent had said ) that he had sent my information over to the Cards department on XX/XX/XXXX confirming my eligibility based on the banks criteria and is waiting to hear back from the Cards department to have them confirm my eligibility based on my card account criteria. He said that there is no established timeframe by which to expect the Cards department to respond. When I pressed XXXX for details, he mentioned that internally this matter was being tracked under case ID XXXX and that it needed to be actioned by the XXXX XXXX XXXX XXXX within the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX. I then made an attempt to call customer service for my XXXX XXXX XXXX XXXX and relayed this information to them. They had no record of a research request being opened with them under the case ID given to me. The Cards Department then opened a customer service complaint for this matter ( XXXX ). The Cards Department customer service agent I spoke with then attempted to reach our to the banking side on my behalf. At this point, this matter is still unresolved, and it is very unclear how or if any resolution will manifest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/year> I called Synchrony Bank regarding my Lowe 's store card. After going a few rounds with the automated system, I was finally connected to a representative. My inquiry was in reference to the {$1.00} monthly fee charged for a paper statement and if that fee could be waived. I explained that we are older, retired and not as computer savvy as some and we prefer a paper statement. Also, the paper statement is helpful for us in tracking and budgeting our monthly bills. Additionally, we prefer to limit our exposure to fraud by not having auto payment access etc. For these reasons, I asked if the fee could be waived. The representative said the fee could not be waived but did offer a few dollars courtesy credit. So, to avoid the {$1.00} statement fee, we must use the autopay, online pay, or close the account ( which we are considering ). This becomes a greater issue with the Lowe 's Home Improvement account since every item for purchase at Lowe 's receives a 5 % discount when using the store card provided by Synchrony. Prices marked at this chain appear slightly higher than local competitors and that requires using only the store card from Synchrony to receive the discounted price.

In summary, if your older and prefer a paper statement, you pay the fee. Period. If you choose to cancel the store card or just use another form of payment, including cash, you pay a 5 % penalty when shopping at Lowe 's. The store discount as attached to this card and the account fees almost seem discriminatory.

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 2024-09-30 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: IL

Complaint narrative:
I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: LA

Complaint narrative:
I am requesting a validation of debt and accuracy. I am requesting validation of these account because I believe these accounts are inaccurate. I am requesting any and all documentation of these accounts to validate when were theses accounts open, close, balance, payment dates, status, etc. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. ... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$36000.00} Status Open. {$11000.00} past d... 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25000.00} Status Account charged off .... 


XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$190000.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. ... 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off...

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am requesting a validation of debt and accuracy. I am requesting validation of these account because I believe these accounts are inaccurate. I am requesting any and all documentation of these accounts to validate when were theses accounts open, close, balance, payment dates, status, etc. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. ... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off... 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$36000.00} Status Open. {$11000.00} past d... 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25000.00} Status Account charged off .... 


XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$190000.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. ... 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
A customer purchased a subscription with my company, XXXX XXXX XXXX  XXXX XXXX, received her product and then disputed the charge claiming she didn't receive services. She purchased the initial service on XX/XX/XXXX for {$490.00}, then when she renewed on XX/XX/XXXX for {$490.00}, 2 days later she requested refund after being provided services. Stripe the payment processor went through the dispute with me and she got her money back even though she received services. I called JP Morgan Chase, they didn't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 


Items that need to be disputed : Experian : 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 2024-09-30 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding the reporting of a collection on my account by Cavalry Portfolio Services, which I believe is not properly validated under applicable laws. 

I have previously sent a notice of dispute to Cavalry Portfolio Services on XX/XX/XXXX requesting documentation to validate the alleged debt in question. Specifically, I requested the following documents to prove that the debt is legitimate and that Calgary Portfolio Services has the legal right to collect on it : 1. Forward floor agreement 2. Audit trail 3. Affidavit of debt 4. Original due hold on the course of the debt 5. Affidavit of custody 6. Account ledger 7. Chain of title 8. Chain of custody Instead of providing the necessary documents I requested to properly validate the debt, Cavalry Portfolio Services sent me a copy of a contract and billing statements, neither of which constitutes proper validation under legal standards. A billing statement is simply a record of a running balance and does not provide documentary evidence of the debts legitimacy, nor does it reflect the full accounting records required to verify the debt. 

Billing statements only show a summary of account transactions, but they fail to include critical information such as the full accounting trail, the proper chain of title, and other essential documentation that would legally prove the debt and Calgary Portfolio Services right to collect it. This is consistent with legal precedents, such as XXXX XXXX XXXX ( Indiana, XXXX ), which determined that billing statements are insufficient to validate a debt, as they do not demonstrate full accounting records. 

Additionally, this serves as my final notice to Cavalry Portfolio Services : If the proper documents I have demanded are not provided promptly, I will pursue civil and criminal penalties in court. I will also demand the deletion of this tradeline from my credit report. 

In light of this, Cavalry Portfolio Services has defaulted on their obligation to provide proper validation for the debt, and I respectfully request that the CFPB investigate this matter. I also request that Cavalry Portfolio Services cease reporting this debt to the consumer reporting agencies until they can provide the proper documentation outlined above, which would constitute full and accurate validation. 

Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
[ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple unauthorized credit inquiries on my credit report due to identity theft. It has come to my attention that my personal information has been misused, resulting in inquiries that I did not authorize. 

The following inquiries are disputed and should be investigated : XX/XX/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 These inquiries are damaging my credit profile and are the result of fraudulent activity. Under the Fair Credit Reporting Act, I am entitled to dispute this information and demand an immediate investigation. 

I expect a prompt response confirming the removal of these unauthorized inquiries and detailing the results of your investigation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS : Late Payment XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MS

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-30 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
Hello, this complaint is valid and not sent in error so please take it seriously. My credit report includes false and inaccurate information, leading to undue stress and has been negatively affecting me which is is deeply frustrating. Despite my repeated requests for deletions, these issues remain unaddressed, unfairly impacting my credit score and having my new credit applications getting denied.

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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have had my PayPal business account for years. I have never put a balance on my account but i was going to purchase something for XXXX via shop but my PayPal balance has dropped to {$0.00}. I had XXXX US dollars in my PayPal account. I was away for the weekend so I wasnt home and then when I come back on Sunday XX/XX/XXXX I see that I have so many emails from PayPal saying my password has been changed and I sent money to this person named XXXX XXXX. I have never done business with this person so this is obviously a scam! I tired to dispute it with PayPal many times and they are saying this transaction looks like a usually transaction on my account. No it doesnt! You can see in less then 30 mins they are more 40 money transactions at once! This is fraud and I need my hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I got this Milestone Mastercard from XXXX XXXX XXXX XXXX and its through Concora Credit you can already see the problems starting to show. When i make a payment it takes forever for payments to post. They rattle off from a script about it can take up to 13 days to post spoiler alert, it always does. Probably business days, and Saturday doesnt count at all, naturally. They casually suggest that i can make a payment via XXXX which will post faster. Except, i dont want to pay an extra fee for something Normal Cards do for free. These are very anti-consumer practices. Also, when i got this card, there were no limits on cash-advances, etc. Payments also posted faster, then after 30 days they capped my cash advances and started refusing to post payments in a timely manner. I have worse cards ( in terms of limit and interest rate ) that are more consumer-friendly,

Company response to consumer: Closed with explanation