vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: Sunbit, Inc.
State: GA

Complaint narrative:
XXXX/Sunbit has reported my account as 30 days past due in the amount of {$31.00} this is totally incorrect I am not past due and this account has been paid in before 30 days hit. If the 30 days mark is not removed from my credit file I will see council from my attorney. Im not sure where Sunbit is getting this information from and I dont know why XXXX allowed this company to report incorrect information to my credit file. At this moment XXXX is responsible for this inaccurate information as well and will be held accountable if the 30 day past due is not removed the amount of {$31.00} showing past due. I will never do business with TAB/Sunbit due to this inaccurate reporting and will post blogs and reviews on this company if not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on XXXX In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

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 2024-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: KY

Complaint narrative:
I was scammed out of {$1500.00} from a impersonator stating they were Chief of police and I had a outstanding warrant for my arrest. I sent this through Chime and i have reported this through the federal trade commission. My Report number : XXXX. Chime bank stated they can not help. This was all the money I had and I need assistance please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Torriere Holdings INC
State: TX

Complaint narrative:
I received an email and phone call TODAY XX/XX/XXXX from a debt collector called Spire Recovery Solutions or SRS about something that was owed since XXXX that I had already had removed from my credit report due to identity theft. The number they called is a new number I received in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-01-11 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: TX

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-01-11 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-11 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:
There is information on my consumer report that is a result of identity theft, see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
Hello, I have a XXXX credit card through Alliant Credit Union. This card offers 2.5 % cash back provided XXXX meets certain conditions. I had accumulated {$2600.00} in cash back through out 2023. On XX/XX/XXXX, I redeemed the entire cash back amount earned of {$2600.00} for a statement credit on my card. By first week of XXXX I had still not seen this statement credit come through. I called Alliant Credit Union and they confirmed that there was no statement credit yet. They transferred me to " cardmember services '' and the agent informed me that it can take up to XXXX billing cycles ( 2 months! ) from the time of the order to show up on my statement as a credit. 

She also informed me that had I chosen to deposit the cash back amount into my checking/savings account at Alliant Credit Union that would have taken only a few business days. However, since I had already placed the order they did not have a way of cancelling the order and change the mode of redemption. All of this seems like another way to hold on to MY earned cash for up to XXXX more months. I do not see why it would take that long for them to issue my statement credit. Nowhere along the order path was I informed it would take that long and nowhere was I informed there was an alternate method of redemption. I would like to not wait for another month ( I have waited almost a month now ) for my statement credit in the amount of {$2600.00}. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
Both XXXX and Aidvantage are contacting me over my student loan. Only XXXX of them services it as far as I know. I don't know if it's scammers or XXXX of the worst companies on the face of the planet fighting trying to claim the same scrap of meat. This may be unrelated but I have also received multiple calls from a private numbers that claim to be from " XXXX  XXXX '' trying to to get information from me. They have my name and some of my information which is weird for a poll so I assume it's some unscrupulous debt collector and the only debt that I can think of is my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my DataX consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I contacted Best egg through their websites online chat as well as spoke with XXXX of the reps over the phone to cancel autopay and revoke XXXX authorization. However, on XX/XX/XXXX Best egg attempted to withdraw a payment for {$50.00} which is processing from my XXXX  XXXX XXXX checking account after I revoked authorization back on XXXX and XXXX. I would like the payment returned to my account and for them to stop withdrawing payments from my account. I informed all reps during my contact with them that I would be mailing in payments instead. I also sent an email to them today on XX/XX/XXXX to inform them that I revoked their authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
I Have been A Victim Of Identity Theft.

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 2024-01-11 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-11 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX 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 of 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 2024-01-11 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Remove all old address and phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2024-01-11 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:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2024-01-11 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: VA

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 & 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 2024-01-11 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to express my concern and submit a complaint to TRANSWORLD SYSTEM INC regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSWORLD SYSTEM INC will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Last year XXXX I had fallen on a hardship losing my job and being evicted I explained to capital one of these matter so they reduced my APR from XXXX percent to a XXXX percent rate and the monthly payments was reduced to XXXX a month the original payment was XXXX form XXXX of last year I was able to pay the affordable payment of XXXX a month but a couple of months later they raised it back to the XXXX I told them I could not afford that because Im still in a hardship and I was paying the XXXX month faithfully so I told them to come and get the car and could it be a voluntary repo but as time progressed thay put a repo on my name they sold the car and got good profit from it and trying to stick me with a bill for a car that I tried to keep with an affordable price

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I regrettably took a debt consolidation loan from XXXX. I had great credit and never missed a payment. Since XXXX is involved it has been nothing short of a nightmare. There are two creditors I am now having serious problems with. One is Best Buy. Never late or missed a payment. XXXX gave me some cashiers checks to pay creditors. I took one to Best Buy store at XXXX and XXXX XXXX, XXXX, Nebraska and handed it directly to customer service. I received a receipt paid in full. Best Buy is steadily harassing me wanting more money. I went to XXXX and they called CitiBank and tried to straighten it out. After standing there for about an hour right before XXXX and XXXX giving me a copy of cashiers check that cleared XXXX, I left hoping all is well. Turns out all is not well. I am still getting harassing calls demanding payment. I received them all through XXXX and XXXX XXXX. Got one yesterday on the way to work. Apparently after check cleared XXXX Best Buy reversed payment. How or better yet why did this happen? XXXX is tired of dealing with it and won't respond to me anymore. What am I to do? I did nothing wrong. But it is my credit that takes a hit. Also XXXX was supposed to XXXX XXXX XXXX directly. I gave them address. This did not happen either. I think XXXX is being XXXX XXXX XXXX XXXX  XXXX XXXX still hasn't been paid. I also sent a payment of {$540.00} to USBank from wells XXXX on XXXX and on XXXX still no posting to account. Guess I will take a hit on that to. Everything was great until XXXX is involved. Where can I turn for help.

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 2024-01-11 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. This account was included in my bankruptsy case discharged on XXXX XXXX. This account was transferred or sold, however is showing on my credit report under a different account XXXX XXXX XXXX XXXX XXXX Recently they added a balance owe as well.This is a form of XXXX to keep hurting my credit score. 

This is DUPLICATE account in my credit report that is causing double impact on my credit score. 

The personal information listed below requires attention as well. 

Inconsistence LAST DAY PAYMENT and LAST ACTIVITIES DAY are different on each credit berau, everything in my credit report have to be 100 % complete and accurate and those dates are inacurate.

Company response to consumer: Closed with non-monetary relief