vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for the XXXX XXXX XXXX American Express card. 

Ref Number : XXXX I filled my application correctly with very high income vs debt. I got a bankruptcy XXXX on XXXX  at around XXXX. This bankruptcy is the only negative hit on my credit. All my payments have always been on time. I even have a score that ranges from XXXX. I called american express to see if my application could be manually reviewed since I have never hold and account with American express and i have such a high income and almost cero debt with good credit. They confirm my application was solely denied due to a bankruptcy and nothing could be done to review this or have a decision reverted. This is direct discrimination on behalf of American Express to me as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
i was recently told by a letter from XXXX banks that all credit cards, such as XXXX, tjmax, lowes, sams club etc ... will be adding a XXXX fee for those whom do not do paper less. 

as well as increasing the interest to XXXX annual so my question is, what happens to those whom can not afford internet, or the elderly and those in remote areas that are not able to get internet... that was me last year, i had no way of getting internet .... 

is that not discriminatory. 


to force someone to go paperless.by adding a fee if not.

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 2024-05-16 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-16 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian Dispute Department po box XXXX XXXXXXXX XXXX XXXXXXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX Publication XXXX ( XXXX ), Canceled Debts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that Experian delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted within 10 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # Enclosed : 1099-c Cancellation of Debt Copy of Drivers License & Copy of Bank Statement to show proof of address.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request you to remove these inquiries. I have no information on this matter, and the company acted without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
This complaint is related to a PayPal dispute case filed by my client XXXX XXXX. The result of PayPal 's dispute review was in favor of the buyer, XXXX XXXX in the form of a {$4200.00} refund plus {$130.00} transaction fee. I am demanding that this refund and transaction fee be reversed as it is clear that PayPal 's dispute review team did not understand the nature of my transaction with XXXX XXXX, nor did they completely review the evidence I provided to the team and which I am attaching to this complaint. I have tried, without success, to file an appeal using PayPal 's online tools. 

The reason given for both the dispute and the resulting refund decision is that the product XXXX XXXX paid for was not delivered to him. The reason the product was not delivered is two-fold : XXXX ) XXXX XXXX did not finish paying for the product, and XXXX ) the product weighs approximately XXXX pounds and requires XXXX XXXX to pick it up from my shop after completing payment for the product. 

The transaction with XXXX XXXX was a phased payment transaction as follows : XXXX. Design services in the amount of {$500.00}. This was paid by XXXX XXXX on XX/XX/XXXX and is not at issue in this case. 
XXXX fees in the amount of {$4400.00}. This was paid by XXXX XXXX in full on XX/XX/XXXX after partially being paid XXXX. 
XXXX. Final payment in the amount of {$900.00}. This includes my profit, labor, and sales tax. Credits for certain items approved by XXXX XXXX not to be included in the product were considered. As of the filing of this complaint, XXXX XXXX has failed to pay this amount despite multiple attempts to collect. A small claims case in the state of Washington is in progress with XXXX XXXX named as the defendant. 

PayPal is now coming after me to reimburse them for the amount they incorrectly ( and possibly illegally ) refunded to XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I have always made sure that payments on this account are made promptly, avoiding any overdue payments. I am unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is from my correspondence with Citi Bank : I have not used any cards from CITI Bank since XX/XX/year>. However, on XX/XX/year>, a payment of {$69.00} was made to XXXX XXXX for an annual membership using a card ending in XXXX. As soon as I found out about this, I opened a dispute that this card had been lying unused since XXXX and was in a safe place in the safe. Further, I did not use the services of the XXXX company and did not order any annual membership, much less pay for it. Nevertheless, the bank made a decision that was not in my favor, which surprised and outraged me. XXXX is known for its unfair treatment of customers, and I am not the first to be signed up for an annual membership against my will. On the XXXX website, annual membership can not be canceled, and payment is non-refundable. This is XXXX of the signs of fraud. 
I declare : - I consider this money stolen from me. 
- I demand the bank to recover this amount from the XXXX company as illegally received and credit it to my account. 
So, for the second time, the bank decided on the dispute, which was not in my favor. I would like to see the results of the investigation, for example, copies of documents with my signature, online activity from my XXXX XXXX  on the XXXX company website, or anything else that could be evidence. Until then, I consider this investigation to be unprofessional, unfair, dishonest, and, at a maximum, containing signs of collusion between the bank and the XXXX company. 
Therefore, I demand that you familiarize me with the results and the full text of the investigation. Until then, I continue to consider myself a victim of a crime, and the {$69.00} and accompanying bank charges have been stolen from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XXXX XXXX a credit card was opened fraudulently under my name without me giving permission to do so. I do not know who did this. My birth certificate and social security card was stolen from my home in XXXX I did not notice until XXXX. I filed a report with the IRS on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my XXXX XXXX. 
THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you

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 2024-05-16 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: WV

Complaint narrative:
Accounts for : XXXX XXXX XXXX and Default Resolution Group.

15 USC 1681b - Permissible Purpose of consumer reports ; Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 

The Family Educational Rights and Privacy Act enacted in 1974 that protects the privacy of student educational records. FERPA applies to any public and private elementary and secondary, post-secondary school.

20 USC 1232g ( b ) - Release of education records ; Parental consent requirement ; exceptions ; Compliance with Judicial orders and subpoenas ; Audit and evaluation of federally supported education programs ; record-keeping.

PRIVACY ACT OF 1974 ( 5 US CODE 552a ) ; ( b ) Conditions of Disclosure - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

15 USC 1681o - Civil liability for negligent non compliance ; In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure

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 2024-05-16 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am filing this formal complaint against XXXX, Equifax, and XXXX regarding the continued reporting of a collection account by XXXX XXXX XXXXXXXX, which is in violation of the applicable statute of limitations under Oklahoma law. 

The collection account in question, identified by the following details : - Creditor : XXXX XXXX XXXXXXXX - Reported Date : XX/XX/XXXX - Balance : {$980.00} - Highest Balance : {$530.00} - Date Opened : XX/XX/XXXX pertains to an alleged oral debt, for which no signed agreement or written contract exists. According to the statutes governing debt collection in Oklahoma, the statute of limitations for oral debts is three ( 3 ) years, as prescribed by Okla. Stat. tit. 12, 95 ( 2 ).

Given that the purported debt was incurred more than three years prior to the current date, it is no longer legally enforceable. Despite the expiration of the statutory period, the aforementioned credit reporting agencies continue to report this debt as an active collection item. Such reporting is inaccurate, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which mandates the exclusion of outdated debts from consumer reports.

Company response to consumer: Closed with non-monetary relief