vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: MI

Complaint narrative:
I like to know how companies can buy up your old credit card that by law is a write-off for companies and then these companies add on interest on top of the interest XXXX okay second of all I've had credit since I've been XXXX XXXX XXXX which is almost XXXX XXXX now and now you're saying my credit age is only XXXX XXXX XXXX XXXX sorry to say, my credit score has not moved hard at all I have 100 % payments made I keep like a 20 % if that on my credit card but I pay off every month but yet my credit score never goes up I am so tired of companies that do not allow a person to actually get ahead in life it makes me pay more insurance makes me pay more for everything because of my credit score which is XXXX  now I am requesting that all my write-off charges be dismissed from my my case discharged that these companies buy it for like pennies on a dollar well I tell you what I'll pay whatever them companies pay to buy my debt I'll pay them exactly what they paid for and I will pay it off but if you don't want to do it that way get rid of them get them off my record cuz I am tired of you persistently messing up my life I am tired of paying my payments on time and nothing going up I'm tired of paying my payments and my credit score goes down how I'm a hard-working dude for years on end now I'm on XXXX yet I've had credit for almost 40 years I have score XXXX some at one time and now I can't get out of XXXX because whatever reason I don't know anymore so I want somebody to actually pay attention to somebody that actually trying to do the right thing pays all this payments on time but yet still my credit score does not go up I'm tired of having a low credit score because of lies front criminals corruption in the freaking Banks you know what anybody who allows a company to buy your debt at XXXXXXXX XXXX  on the dollar and XXXX not allowed the debtor myself to pay the same amount that them companies buy that's XXXX so I am asking and demanding by law fair credit law that says they can not do that okay plain and simple so I'm asking to have my self removed that was right off for companies anyway. And then these companies that buy it for pennies on the dollar if they can not sell it to me for the same price then they should not be able to sit there and try to charge me outrageous interest in all the extra XXXX and destroy my life in the meantime I am requesting that all my past bad stuff is removed because you can not by law use it as with a Fair credit reporting is so I am requesting that at this time date is XXXX the XXXX XXXX my name is XXXX XXXX and I've tired of not having my score go up when I do all the right things

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2024-01-05 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: GA

Complaint narrative:
I have inquiries on my credit report. 

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 non-monetary relief
Consumer complaint received 2024-01-05 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Initially, I was offered, and advised, that I had TWO YEARS at XXXX percent interest. My account was opened XX/XX/XXXX, and the Synchrony Bank racially PROFILED and REDLINED my credit in XXXX XXXX maliciously decreasing my credit limit. The supervisors excuse was they didnt believe, they would receive their money. Surly, I made every payment XXXX days earlier ; which contradicts her explanation. Now, XX/XX/XXXX my account has been closed, with XXXX late payments, and months away from the XXXX XXXX  interest payment being. Most importantly, this shenanigan was intentional, by this unscrupulous company.

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 2024-01-05 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 just reviewed my credit reports and it shows inaccurate and unauthorized accounts.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a phone call from a Remitly rep to confirm a transaction someone tried to make in my name. I explained to the rep that I didn't make the transaction and someone hacked my account. I asked the rep for more info and the rep hung up on me. I also discovered that I received emails from Remitly stating that have been several other attempts to hack my account from different countries. 

I emailed my concerns to Remitly and asked for more information but they ignored my questions and stated that they didn't see any evidence that my personal information has been compromised and that they closed my account as a safety precaution on XX/XX/XXXX. They also stated in the email that this is their final response to the matter. 

I emailed them again on XX/XX/XXXX that the rep I spoke to told me that someone tried to initiate a transfer using my account and that my questions weren't answered. They responded by saying that there isn't any evidence that my account was compromised. 

I responded to the email stating what the rep told me over the phone and that I have emails showing that there have been several attempts to hack my account. Remitly responded on XXXX  stating that my account was closed for suspicious behavior and that this is their final response regarding the matter. 

On XX/XX/XXXX I sent an email stating that I'm not satisfied with the responses I received and asked which arbitration company that we can agree on to resolve the matter. They haven't responded to that email as of today XX/XX/XXXX. I also called and spoke to a manager named XXXX who promised that she will escalate the matter and have someone contact me by email within 24 to 48 hours. She also stated that they don't have any record of a rep trying to call me when I received the initial phone call. I also had to press her to give me clear answers. 

As of today XX/XX/XXXX I didn't receive and email from Remitly as promised. I also received another email from Remitly stating that someone logged into my account despite them stating more than once that my account has been closed/suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
I purchased car from XXXX XXXX right after a XXXX  XXXX bankruptcy. I immediately had issues so I was put in a rental 1 week after purchase. 2 months in the transmission went out and was replaced with the help of XXXX XXXX and myself paying the cost. I paid majority of the time on time but the car amount was not going down. 5 years in XX/XX/2022 the car had similar issues to before but I was informed to replace the XXXX converter which cost me {$800.00}. I got the car back and on the same day the cars transmission went out. The car was sent to XXXX XXXX for repair but I was also speaking with Prestige to see if they could assist me with the cost since the transmission would cost me {$5000.00}. After that they did not help or try to help me through my hardship. I asked them to come get the car since it was a possibility that something else was wrong with the car. They came to get the car they sold the car for the smallest amount possible even though the car had a new XXXX converter and transmission in it and they still sent me a balance of {$13000.00} something dollars. I have set up a payment plan which the amount was about {$7000.00} with fees. Prestige has breached contract and sent statements for more than this amount and I have made all payments on time since this contract started which is about 6 months of payments but the balance is not going anywhere and my credit score is going down because they are still reporting non payments when I am making payments. This company is the worse and add fees that should not be there. My credit report does not match what we agreed on in the contract and they have decided to not assist me but instead email me, text me, and call me harassing me about payments even when the payment is not due yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: NJ

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hello, I am a CapitalOne credit card customer. 

My payment was due yesterday on XXXX XXXX, however the website was down throughout the day. ( Screenshot attached below ). I made multiple attempts to login and kept getting the error message. When my work day concluded, I downloaded the app, and promptly made my payment. It was before XXXX in Colorado, so my payment was made on XXXX XXXX, 2023. However, a {$40.00} late fee was already assessed. I called CapitalOne and explained that I wasn't able to make the payment online b/c of the website glitch and that I wasn't able to make a phone call, and asked that they reverse the fee given that the delayed payment was due to errors with the website. I escalated it to a manager. They told me they would not reverse the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming Im XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me

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 2024-01-05 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: NV

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX  file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2024 I used Affirm mobile banking system. They have an option to send out a debit card for use to split payments over XXXX dollars. As of XX/XX/2024, I had XXXX dollars available in my purchasing power. On XX/XX/2024 I went to service my car. I spent XXXX. It was not offering me a split. It had said the payment was still pending. When I called the next morning, I spoke to three different representatives. They all told me different things. One said I did not have enough purchasing power, that I had XXXX. Which would have been accurate as of after the purchase at the auto body shop. When I was transferred to manager the first time, He told me that I not only didn't have enough purchasing power, that my bank account wasn't connected! I told him to look at the prior purchases! I had spent on that card numerous time. He proceeded to tell me I had just put a bank account " 3 minutes ago '' on the account. I said that was a flat out lie. I encouraged him to look at my payment history. That I was a good customer that has never missed one payment and even paid early! I asked to speak to another manager. He said I would have to call back and he was not transferring me. I then told him that would be fine. I called back and spoke to a woman name XXXX who has been the most professional of them all but still did not resolve the issue. She assured me my bank account was on there but still went on with this purchasing power LIE. As I got off the phone I went a looked at my account to screen shot more information as I did the whole phone call. When the app refreshed I noticed now as of today XX/XX/2024 I only had XXXX of purchasing power when this morning I had XXXX and I have screen shotted proof!! So the second rude male rep I spoke to must have decreased what I am avaliable to spend. WHICH STILL WOULD BE ABOVE XXXX ANYWAY! But the audacity of this company. The customer services reps lie, they do not tell you correct information. That will be my very last purchase with them. PLEASE BEWARE OF THIS COMPANY. I KNOW IT IS CONVIENT TO SPLIT PURCHASES BUT IT IS NOT WORTH THE LIES AND HEADACHE AND THE TYPE OF PEOPLE THAT WORK THEIR HAVING YOUR BANK ACCOUNT INFO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
I received an american express gift card. I have tried to use the balance at multiple locations online and in person, and every purchase is declined. I have a {$150.00} balance and can not make purchases for any amount, regardless how small. The customer service line is useless and not helpful. They tell me to try online merchants that request an expiration date confirmation, which I have done unsuccessfully.

Company response to consumer: Closed with explanation