vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with 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.

Experian 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 2024-08-30 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: FL

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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX Yo this is crazy about these accounts. Im not gon na pay these accounts I'm super broke, now or in the future. Thats just how it is. Later,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Filed a CFPB complaint on XX/XX/XXXX that I could not access my credit report. Experian responded on XX/XX/XXXX that I had closed my membership in XXXX and advised me to open a new membership. I tried to open a new account and the response on Experian website you have already created account and site led me to the login page. Tried to login again and received account blocked. 
My only option seems to be getting a lawyer involved if I cant get Experian to grant me access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IN

Complaint narrative:
Subject : Request for Removal of Unverified Accounts Based on FDCPA Dear Equifax Dispute Department, I am writing to formally request the removal of certain accounts from my credit report, as they are unverified and violate the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that upon a consumer 's request, debt collectors must provide proper verification of any debt they attempt to collect. If they fail to do so, they are prohibited from further collection activities related to that debt.

I have previously disputed these accounts in writing with the respective debt collectors and requested proper verification of the debts. To date, I have not received the required documentation validating these accounts. As such, these accounts are considered " unverified, '' and the continued reporting of these accounts by Equifax is improper and not in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My recent consumer report is showing unauthorized and unverified inquiries from Navy Federal the inquiry date is XXXX XXXX, XXXX XXXX, XX/XX/year>, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: PA

Complaint narrative:
I am in dire need of assistance regarding a distressing situation I am facing with Revolut, a financial technology company. For nearly three months, Revolut has been withholding my funds ( {$160000.00} ) without providing a clear reason or any substantial updates on the matter. 

Here is a summary of the issue : Account Hold : My Revolut account has been on hold since XX/XX/2024. Despite numerous attempts to resolve the matter, the situation remains unchanged. 

In-App Notification : When I access the Revolut app, there is a notification as of XX/XX/XXXX stating that my account will be closed down. Additionally, it instructs me to withdraw my funds by XX/XX/XXXX. 

Withdrawal Block : Despite the instruction to withdraw my funds, a hold still exists on my account, preventing me from making any withdrawals. 

Customer Support : I have contacted Revoluts in-app chat support multiple times. The responses I received were inconsistent and unhelpful. I was informed that the in-app notification was a " technical glitch '' and that my account was still under review. However, this contradicts the in-app prompt indicating that my account closure is imminent, which I trust far more than some random chat support agent that has told me to simply be patient ( after already being given dates that have not been met/fulfilled ).

Given the prolonged hold on my account and the lack of transparency and support from Revolut, I am deeply concerned about the status of my funds. 

I would greatly appreciate your guidance and assistance in resolving this matter. Specifically, I am seeking help with exploring any possible actions to ensure the release of my funds. I can provide any additional documentation or information you may require to assist in this matter. Please let me know a convenient time for us to discuss this further. I am looking forward to your prompt response and assistance. 

Thank you very much for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX SYNCHRONY BANK ( XXXX ) Card - XXXX XXXX XXXXXXXX I received my statement today XX/XX/24 stating that I was charged interest after my balance was paid in full. I made the following payments ; XX/XX/24 - {$110.00} XX/XX/24 - {$1100.00} XX/XX/24 - {$1700.00} Total amount paid was {$2900.00} Should I be charged interest after the balance was paid???? Synchrony is a whole SCAM!!!! I disagree with the interest charged of {$57.00}. The balance of this account was paid before the interests accrued. My account should show as PAID IN FULL. Synchrony reported this inaccurate credit info to the credit bureau. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX complaints closed in last 3 years XXXX complaints closed in last 12 months

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I believe I am the victim of check fraud. Despite 4 attempts to reach out to PNC Bank and receive the money back to my account, they continue to use other excuses to avoid rectifying the situation. 

On XX/XX/XXXX, a check was debited to my account in the amount of {$1000.00}. I wasn't expecting to send any checks at this time, and the debit came as a shock. When I saw the date of the check ( XX/XX/XXXX ), I referenced my check book ( see document evidence ). I remembered the check had been lost, and so I had placed a stop payment request on the check ( see document evidence ). I wrote a new check for my XXXX rent that was successfully debited back in XXXX. 

The scan of the check does not show a signature on the back. The back of the check looks like the envelope I would have sent the check in ( see document evidence ).

I called my landlords to see if they had recently deposited this check. They seemed genuinely shocked, and said they haven't been using checks since renovating their properties. They also assumed that a check from XXXX would be too old to use. I had lived at XXXX of their residences from XXXX. 

The first call I made to PNC on XX/XX/XXXX, was to dispute the check payment. They said there was nothing they could do ; the check was technically legal tender. I would have had to place stop payment requests every 6 months for 7 years in order to be repaid for the check.

I placed a dispute on the check again when I received this reply. For this second attempt, PNC Bank replied that because of Regulation E, they could not review the disputes for a check because I use online services.

Then, I requested to escalate the dispute. On Monday, XX/XX/XXXX, PNC replied that my escalation was denied because I did not place a stop payment on the check every 6 months.

At my in-person meeting at the PNC Bank in XXXX on XX/XX/XXXX, I spoke to XXXX XXXX about my situation. He was unable to provide repayment for the fraudulent check.

PNC Bank has yet to acknowledge that the check is fraud, and I have not received repayment for the amount of the check ( {$1000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.

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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I was mistakenly {$20.00} short each month on 24 payment XXXX procedure. When 24 months were up, XX/XX/year>, next day they charged interest on the whole {$4800.00}. I sent in {$690.00} to cover shortage but still want me to pay {$2300.00} interest charges. I called # on back of card and all said nothing they could do and would not transfer me to a superior. Wrote a complaint to company and received same answer. Im willing to pay 29 % APR on {$480.00} for 2 years and/or late fee. I also went paperless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: AZ

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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
CFPB ) regarding your concerns about TransUnion and unfair XXXX XXXX treatment : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXXXXXX Complaint Against TransUnion for Unfair Credit Score Treatment Dear CFPB , I am writing to formally lodge a complaint against TransUnion for unfair treatment regarding my credit scores. This has been ongoing for the past 3 months. I've taken screenshots so you can see the consistent pattern of points. 

Despite having all my accounts in good standing, I have noticed that TransUnion has consistently provided me with unfairly low credit scores. This has affected my ability to secure loans and credit, which has caused significant distress. 

I believe that TransUnion is not accurately reporting my creditworthiness, and I request that the CFPB investigate this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely,

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-08-30 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: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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