vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I looked over my consumer report again and they put XXXX XXXXXXXX XXXX XXXX back o my report with inaccurate information XXXX XXXX XXXXXXXX it been removed and out ban my report thats against the law. 


15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Please pay this XXXX XXXXXXXX account in full or permanently remove from my consumer report 15 U.S. Code 1601- Congressional finding and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I got an email in XX/XX/XXXX stating that I made a charge to a XXXX company. I never used the card for that charge, it was fraudulent {$73.00}, there were no other charges because I never used the card. I called Citicard customer service, and they agreed that the charge was a fraud, I said I wanted to cancel the card. I had been with them since XXXX but rarely used the card anymore. Instead of simply cancelling my account I was kept on the phone, transferred from and to many different reps for close to if not over an hour. I was getting on-going stalling about ending my account which actually had a {$20.00} credit. I said I didn't care about the credit. The reps said they could not cancel my account but finally did so well after an hour. This call I made was XX/XX/XXXX in the evening. For the past several weeks XXXX  XXXX, I have been getting robo-calls from Citicard saying I owed {$40.00}. I ignored them knowing I did not owe and I cancelled my card XX/XX/XXXX. Today I got an email saying I owed a minimum of {$20.00} on a {$40.00} balance. I called citicard XXXX today XX/XX/XXXX and again they would not resolve the issue after being passed on to 5 different reps within the 2 calls with no resolution. The final # I called that the rep gave me was their collection department! It was another runaround. I got very frustrated as they passed me around from rep to rep. I said my account was cancelled and I did not make any charges and I do not owe any money to citicard. They just kept feeding me that I owed {$40.00}. I asked what the charged was for, as I didn't use the cancelled card and their answer was convoluted about the previous fraud charges.

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 2024-09-18 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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Lease # XXXX Acima repeatedly charged me failed payment fees without the payment failing this account was linked to my XXXX  XXXX account and whenever theres a debit XXXX  XXXX  sends me an alert via email or the XXXX  XXXX app. On XX/XX/year> I initiated a PAY INFULL transaction so it would be paid in full and the lease would be closed out but instead Acima only debited {$41.00} from my account and continued the lease payments. I never received a receipt/payment confirmation as to why my payment amount was changed or rejected. I logged into my account to try to pay it off again and I didnt have the option I only have a total of {$800.00} remaining which is crazy and it seems forced to remain in the lease and for lease # XXXX I never received an early payout option, I have never had this problem with any other leasing company that I have used for furniture 90 days same as cash is just that. The first customer service representative was so nice about trying to helping me but the second Acima representative I was kind of scared to do business with them. XXXX XXXX XXXX XXXX XXXX XXXX I cant handle rude people. I am so disappointed in Acima because I have referred XXXX people to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2024-09-18 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: MO

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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

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. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: SC

Complaint narrative:
Experian continues to publish inaccurate, unverifiable, and false personal information on my consumer report. This complaint is in response to their latest dispute investigation. Other Consumer Reporting Agencies have corrected these errors, but Experian refuses to follow FCRA guidelines and are stalling and denying my consumer rights under FCRA. ALL OF THE INACCURACIES AND ERRORS ARE ATTACHED TO THIS COMPLAINT AND ARE CLEARLY SEEN IN THE EXHIBITS. THIS EVIDENCE HAS BEEN PROVIDED TO EXPERIAN 3 TIMES. There are wrong addresses, incomplete addresses, wrong date of birth, & major errors in payment history/account status for XXXX XXXX XXXX Please assist me with this as Experian has refused to provide me with a fair and equitable resolution. My next step is litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
CKSPRIMEIN FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: SC

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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. 


TransUnion 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I paid my Venmo credit card balance ( synchrony bank ) on XX/XX/year> of the full amount of roughly {$950.00}. On XX/XX/year> these funds were removed form my bank and were posted and cleared to my account. Unfortunately synchrony bank is locking my full available credit of {$900.00} for 14 days now until XX/XX/year> even though they have been paid, received my money, taken my money, and have no recourse to even dispute of stop payment on this charge. They explained it was due to my unusual high payment amount..I paid the balance in full which is absolutely absurd. They have no option but now to wait 10 more days even thought they have taken my money and still are not unlocking my credit available on this account. This is simply not right and not remotely justified practice of taking someones payment then withholding possible credit even after being paid for that credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
My account with Equifax 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.

Equifax 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received an update from XXXX showing that my account had dropped from an XXXX score to XXXX due to a delinquent Kohls account. When I checked my Kohls account last month, it actually had a credit on it, so no payment was due. 

However, upon checking today, I had a {$2.00} delinquent balance. I have no idea where this charge came from, as I haven't shopped at Kohls for several months. I paid the balance, but am not sure how to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: VA

Complaint narrative:
I want all these inquiries removed. These inquiries were unauthorized, and I want to remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyon Collection Services, Inc
State: OH

Complaint narrative:
I attempted to use XXXXXXXX XXXX XXXX in XXXX of XXXX. I never actually filed payroll with the company because the platform is too complex for small businesses. I immediately canceled the service after the first billing statement hit my business checking account. Even after multiple cancellation attempts over the phone, the company kept billing my business and withdrawing the monthly ACH payment. It was so aggregious that I had to close that business checking account to stop the payment. XXXX has now sent the bill to collections and is still attempting to collect monthly payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I got a new phone and phone number and attempted to access my account via their app. I put in all my login credentials and needed to do a two-step verification. However, the only way to do that was to send a six-digit code to my old phone number. I contacted customer support to try to get my phone number changed from my old number to my new number. After verifying information such as my name, date of birth, and last four of my social security number, I was informed that additional information was needed. He gave me an email to send over pictures of my driver 's license front and back and a PDF file of my phone bill showing that I in fact has a new number. I didn't hear back from them that day. The next day I get an email that additional information was required. This additional information was to include me taking a picture of myself with a note with eight details of my account and I had to include my full arm in the photo and the whole upper half of my body. This is all just to change the phone number of my account to my new number so I can pay my bill. I personally don't understand why the information I provided to get my phone number changed didn't suffice. I feel as if this is absolutely asinine and I'll landish just to get my phone number changed so I can pay my bill. At this point I feel is borderline harassment. They're essentially refusing me access to my account to pay my bill

Company response to consumer: Closed with explanation