vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
My accounts 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/updated.

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.

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!

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
I rented a car on XXXX. I paid for the entire I found out within two hours that the car 's AC was not functional so I informed the owner of the car within 2 hours of having taken the car and realizing the AC was not working, he apologized and offered to replace it with a car with a working AC. I went back returned the car and picked up the other car ( which had AC working but had its own issues such as no central locking, car tired had really low tread on them etc. ). I had rented the car for my vacation and moved forward with it ( WITH NO CHANGE TO THE ORIGINAL DATE S TRIP LENGTH OR ANYTHING ELSE ). Upon my return the car has a flat and was towed back to the owner. It was returned 11 hours ahead of the scheduled return time so my trop is actually cut short because of the flat. Either ways, XXXX and owner confirm condition at the time of checking it back in and is same as it was checked out. And a month into it XXXX comes back and bills me an additional {$150.00}. They say they need to charge me one day use of the first car and then then full trip length for the second car. That's what the {$150.00} is for. This is unreasonable. I faced the inconvinience of first the AC not working, then the care going flat ( because of the low tread on the tires I claim ) and I provided them the explanation back. They have since sent the item over to collections - a company called FCR Services. I have again explained to FCR services now three times that they MUST stop bothering me for this charge as it is an illegitimate charge on part of XXXX but they keep calling me and are now threatening that they will send to to the credit bureaus which will impact my credit report. I am attaching all my email communication with FCR services in the attachment. Besides the email I have also provided them the same clarification on voice and yet they are relentless. 

I need action taken against not just XXXX services but XXXX as well by the CFPB to help with this. A search on the internet will reveal I am not alone. There are many many XXXX customers who have been charged by XXXX and pursued relentlessly while XXXX takes no action against their hosts even for their valid fault since if the hosts withdraw from XXXX, XXXX XXXX business will be impacted. Its a game of numbers.. There are more people looking to rent. a car than willing to rent out there's and this works to the disadvantage of the consumers who want to rent a car. PLEASE TAKE ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 has violated my rights.

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 2024-10-29 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
I have been XXXX XXXX  for the last XXXX years, someone stole my XXXX card. Remove every item, from my three-credit report, at this moment, its pretty hectic just now. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, 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 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: ME

Complaint narrative:
I disputed a transaction on my spending report due to the seller, not providing a refund. I hoped Robinhood could assist me in getting the money I needed back from them. Soon after I disputed the transaction, my account was restricted when I contacted them to unrestricted my account, they claimed my information does not match Whats on file. So now I am sure they are restricting my account because of that. They emailed me saying the dispute over the refund is resolved and there is no issues regarding that now yet my account is still restricted and I can not do anything because they claim Im not who I say I am. I have been contacting them endlessly for over 10 days and they have sent me generic auto generated emails requesting information which I provide, and then they dont respond. I have veteran benefits from the government going into this account that I can not access because they will not let me. These benefits are necessary for my education and I will not be able to graduate which is scheduled for XX/XX/XXXX because of this. this funding is needed. Robinhood never provided a reason for the account restriction has not responded to me with any information or responded to any of the things I have provided them, which is everything theyve asked. I have done facial scans uploaded my IDs and XXXX  from other bank accounts, and they still will not get back to me even though this is everything they have requested. Every single time I contact them I am told that my information does not match what they have on file yet my information is 100 % correct and Ive gone back and looked at the text documents and other forms from Robinhood and the information providing matches exactly so there shouldnt be any issues and I need these VA benefits. The original issue is over a disputed transaction which has since been resolved. If my account is restricted because of my identity issues, they need to communicate that to me and allow me other options If the three theyve given me somehow arent enough. I need this restriction lifted and they will not provide me an avenue to do so. Please note the disputed transaction this original arose from resolved on the 21st. Yet my account is inaccessible and they refuse to offer me any support despite me identifying myself in every way they have requested. They do not reply and tell me if what Im supplying is accepted or if they need more/something else. I am stuck in the same cycle and they have no brick and mortar location to resolve this at.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm requesting that Transunion delete all personal information such as inaccurate addresses and Names except for what I have provided. My credit report should only have one Name and delete address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is listed below and I have attached a utility bill confirming this is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mi 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 2024-10-29 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: CA

Complaint narrative:
I have ordered a TV from XXXX XXXX, using Affirm to pay in installment. 

However, the TV was never delivered, and I have contacted XXXX and then Affirm. For Affirm, I used their Dispute process. 

I have the proof from the delivery company that the order was cancelled, and for the free item accompanying the order, XXXX has returned the item. 

Affirm has a lengthy dispute process, which took over a month for a response. Affirm ignored clear evidence documentation for the non-delivery of the item and provides unclear response on the process and information involved in the decision. They closed the case in the merchant 's favor without forwarding their argument and providing a chance for receiving further supporting documentation from customers. Their dispute process favors merchants disproportionately over customers. I have serious doubt over the integrity of that process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
Was given offer for platinum Card with offer of XXXX points after {$8000.00} spend. Was never notified at time of application or otherwise I was not eligible. Spent over {$10000.00} but did not get bonus points. Called in and was told because I had an Amex XXXX XXXX card 5 years ago and my wife had an Amex delta card about that time that were closed, it makes me ineligible for bonus. I have appealed this twice and declined both times. Last case number with Amex is XXXX T

hey refuse to let me speak with anyone higher up and state they are the final word which I know not to be true. Further their own literature states this only applies to cards of same type. I currently hold a platinum card which is basis of dispute. Prior cards over 5 years ago were lower tier branded amex cards- mine a XXXX XXXX  amex and my wife a Delta gold amex.

I would like for them to honor my meeting requirements for spend for the XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
Requesting for all 3 Credit Agencies to update my Personal Information. It appears that as of 30 days ago my legal name XXXX XXXX is not listed on my credit report. As if an unauthorized individual hired a 3rd credit agency to update my personal information without my consent. I do not work with any 3rd party credit agency to resolve any credit issues. I personally work on my own credit disputes. It appears that someone has access to my personal information and tampered with my credit and personal information. I need my credit report to reflect my legal last name since I am still currently married and have not changed my legal name. It remains as is XXXX XXXX. All other AKA are listed such as XXXX XXXX. The credit agencies received numerous disputes to resolve this issue. The credit report must be accurate to cross reference marital legsl name and birth name. Please notify all 3 credit agencies to update and resolve the names that are listed which the credit report should reflect XXXX XXXX, XXXX XXXX and last but not least which is the current legal name XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm requesting that Experian delete all personal information such as inaccurate addresses and Names except for what I have provided. My credit report should only have one Name and delete address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is listed below and I have attached a utility bill confirming this is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete : 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 2024-10-29 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Your unauthorized derogatory marks have directly caused loan denials and increased interest rates across my accounts, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.

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 2024-10-29 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Your unauthorized derogatory marks have directly caused loan denials and increased interest rates across my accounts, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IL

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 2024-10-29 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: TX

Complaint narrative:
I would like to unfreeze my credit report because I am in the process of opening a new savings account. As part of their standard procedures, financial institutions often perform a credit report review to verify identity and assess eligibility. By temporarily unfreezing my report, I am allowing the bank to complete these verification steps without delay, which will help me establish the account and take an important step toward building my savings and achieving financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Checking account closed in XX/XX/year> by Citibank fraud department without any notice. When I called to check what would happen with my funds deposited from the social security I was told a a check would be sent to me via mail. I have called continuously since XX/XX/year> and have updated my mailing address with Citibank. But I still have not received my check. I am a XXXX XXXX XXXX and depend solely on my income from XXXX XXXX. I dont know how else to request this check from Citibank and have decided to request assistance from CFPB with 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 monetary relief
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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 consume
r!

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