vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have always been enrolled in credit protection on all of my accounts. Sadly when you need it some Credit cards refuse to apply it. I have been enrolled in credit protection since I have owned this card. I have never been late at any fault of my own, when the representative called me about late payments I advised that I was out of work due to an injury. I was told no problem they would note the account, it was my understanding that credit protection was applied. It was not After viewing my credit reportI noticed several lates. I have gone back and forth with multiple customer service agents at XXXX XXXX and they have done nothing. 
I received a later stating we can not remove your Goodwill lates, this is not good will this is a service I paid for and am not receiving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have always been enrolled in credit protection on all of my accounts. Sadly when you need it some Credit cards refuse to apply it. I have been enrolled in credit protection since I have owned this card. I have never been late at any fault of my own, when the representative called me about late payments I advised that I was out of work due to an injury. I was told no problem they would note the account, it was my understanding that credit protection was applied. It was not After viewing my credit reportI noticed several lates. I have gone back and forth with multiple customer service agents at XXXX XXXX and they have done nothing. 
I received a later stating we can not remove your Goodwill lates, this is not good will this is a service I paid for and am not receiving.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Without discussion, review or any clear justification, PNC Bank canceled my XXXXXXXX XXXX bank accounts and restricted access to my funds, except through costly wire transfers. This action followed a failure by management to adequately secure my accounts and conduct proper due diligence. The commercial business account manager responsible for setting up my accounts, XXXX XXXX XXXX, is no longer with the PNC Bank, and no one in management has taken responsibility for his actions. Throughout the account setup process, I was completely transparent about the operations of my businesses, and all banking activities have been legitimate and necessary for standard operations. 

This abrupt and unexpected bank account closing cause me thousands of dollars of time and expense, reputation damage and exposed me to employer liability because of rejected employee checks. 

Their response was sorry, " here is nothing we can do about it ''. They ignored my pleas for at least a restitution covering my considerable expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
To whom it may concern, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, Iam writing to request the method of verification for the following disputed item ( XXXX ) : XXXX XXXX XXXX Account # XXXX. Reason for dispute is because of inaccurate information and errors on account. The account states open, which the account is closed. The open dates are inaccurate. Also, the active date shows XX/XX/XXXX on XXXX, XXXX it shows XXXX and XXXX it shows XX/XX/XXXX which is three different dates, so that's inaccurate. None of the account 's fields are filled out, and it should be filled out. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I get paid on the XXXX day of the month. I have good credit and never have a high balance on the card. I have been charged with late fees. 
XXXX XXXX on XX/XX/XXXX the late fee was credited. I had requested my due date be change. It never was changed so the credit card company continued to charge me a late fee for the following months : XX/XX/XXXX - late fee {$27.00} XX/XX/XXXX - late fee $ XXXX XX/XX/XXXX - late fee {$40.00} I have spoken to different people and THEY refused to help me out! 
XXXX XXXX XXXX XXXX XXXX XXXX What can be done? They are committing fraud. Changes were not made to continue to charge me the late fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing to impart my nervousness concerning the challenged records on my credit report. On various events, I have raised the issue of mix-ups in these records, and have dependably referenced that they be altogether analyzed. Notwithstanding my undertakings, I by and by apparently can't get any objective or healing action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a normal life. The antagonistic results of these mistakes have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with reviewing what's going on at the earliest open door. I thoughtfully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is essential that the fundamental advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a speedy action. Your coordinated effort and moving in settling this issue promptly would be tremendously important. Thankful to you early on for your understanding and 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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit file from XXXX, Equifax And XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XX/XX/year> {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please delete all fraudulent accounts off my credit file from Experian, XXXX And XXXX XXXX immediately. 

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 2024-08-19 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: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

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 all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently tried to freeze my credit report with all three credit reporting agencies. XXXX and XXXX were easy. But Experian is virtually impossible. I can not contact them via telephone because they only give me two options : submit a request by mail or use their web site. BUT, when I try to use their web site, I can not log in because they already have an account for me. AND because I forgot my password, I can not log in because my cell phone does not match their records. That leaves me with only one option : mail in my request. 

This is far too cumbersome and could be / should be much easier. Experian should give users other ways of identifying themselves other than just a phone number. If the XXXX XXXX XXXXXXXX can do it, Experian can do it. There is no excuse for this and Experian is denying me the ability to freeze my credit by making it unnecessarily cumbersome to do so.

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 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I issued a money order in the amount of {$800.00}, payable to Affirm , Inc . This money order was mailed on the same day to the payment XXXX XXXX XXXX by Affirm. The money order was established and governed under UCC-3-419, UCC-3-104 , UCC 3-608 , UCC 1-308, 18 U.S.C. 8, and included language under CFR 328.6 for presentation to the United States XXXX  for new issue, redemption, or exchange, along with all other applicable laws governing negotiable instruments. 

As of today, XX/XX/year>, the payment has not been applied to my Affirm account, and it is now incorrectly listed as past due. The payment was delivered well before the due date, making this past due status an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to impart my nervousness concerning the challenged records on my credit report. On various events, I have raised the issue of mix-ups in these records, and have dependably referenced that they be altogether analyzed. Notwithstanding my undertakings, I by and by apparently can't get any objective or healing action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a normal life. The antagonistic results of these mistakes have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with reviewing what's going on at the earliest open door. I thoughtfully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is essential that the fundamental advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a speedy action. Your coordinated effort and moving in settling this issue promptly would be tremendously important. Thankful to you early on for your understanding and 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with this XXXX XXXX  XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in XX/XX/year> 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. 

This company 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally complain about fraudulent accounts on my credit report that remain despite my previous notifications to the creditors. The accounts in question are : - XXXX XXXX XXXX, Account Number : XXXX - XXXX XXXX XXXX, Account Number : XXXX I have previously contacted these creditors, and although they claimed to investigate, the fraudulent accounts remain. This situation is a violation of several provisions under 15 USC Code laws. 

I am attaching the FTC report for reference and request immediate removal of these accounts from my credit report. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally complain about fraudulent accounts on my credit report that remain despite my previous notifications to the creditors. The accounts in question are : - XXXX XXXX XXXX, Account Number : XXXX - XXXX XXXX XXXX, Account Number : XXXX I have previously contacted these creditors, and although they claimed to investigate, the fraudulent accounts remain. This situation is a violation of several provisions under 15 USC Code laws.

I am attaching the FTC report for reference and request immediate removal of these accounts from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello and good day, please read my complaint carefully. This has been already deleted by XXXX and XXXX so I don't know why you keep reporting this on my credit report which is absolutely frustrating, my new credit applications are getting denied because of this. This is a blatant violation of my rights as a consumer and also to my right to privacy. I never gave permission for this information to be reported on my credit report. Information reported is not accurate, this is hurting my credit score and impacting my life negatively.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to dispute a transaction followed by a handful more made with my Found debit card linked to my account. The transaction in question was with XXXX XXXX, and I contacted Found to request a chargeback due to XXXX 's failure to provide the services as agreed, resulting in unauthorized charges as they provided vehicles that were not suitable for the work they were intended/hired for until mechanical issues were resolved. I also found it strange that Found had hid the " dispute charge '' option and I had to call them to get them to " unlock it '' so it would appear. 

Despite providing all relevant details and explaining the situation, Found refused to process the chargeback or assist in filing a dispute. They directed me to resolve the issue directly with XXXX, which I had already attempted multiple times without success, and I have reiterated this to them. XXXX has given me the run around in hopes that I simply give up, and I am unable to resolve the dispute on my own. 

I am seeking the assistance of the CFPB to compel Found to process the chargeback or dispute, as they are obligated to assist customers in resolving unauthorized or disputed transactions under federal regulations. My attempts to resolve this through Found 's customer support have been unsuccessful, and I am left without any other recourse. 

I respectfully request that the CFPB intervene in this matter to ensure that Found fulfills its obligations and assists me in recovering the disputed funds.

Company response to consumer: Closed with explanation