vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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 requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I attempted to freeze my credit score with TransUnion. I called their XXXX number, and unlike the XXXX other credit bureaus, I was not able to request this option through the automated voice. Instead, it asked me to wait to speak directly to a representative, then they warned that wait times are very long so they recommended I use their website. So I then went to their website, created an account, selected the option to freeze my credit, but then received a notification that " this service is unavailable. '' I then tried to send an instant message using their website, and it warns " wait times are at least XXXX minutes. '' These are ridiculous hurdles for a very simple request. I was able to easily freeze my credit score with the other XXXX bureaus within minutes, and without needing to speak directly with a representative. These hurdles and poor service by TransUnion creates an unneccessary burden, restricting my basic right to protect my credit and identity.

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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened my account with Synchrony Bank on XX/XX/XXXX. On XX/XX/XXXX, I initiated a transaction in the amount of {$9300.00}. This bank waited until the funds had left my linked account and on the next day restricted my account with them. I received a document requesting me to call in ; to verify some information to get the restriction removed. I was told that the " investigation '' was just beginning and that I would hear something in 60 days. 

I don't know about other people, but I don't have over {$9000.00} to just throw away. I think it is absolutely ridiculous that a bank will " open '' an account, allow it to be funded and then, freeze it. It is akin to theft!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I will keep on REWRITING to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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 was completely shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I routinely check my credit report, but this time, these errors just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts were still there. This issue is incredibly stressful, so I urgently request that the documents I've provided be reviewed thoroughly to ensure I dont have to worry about this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: DE

Complaint narrative:
Experian is reporting a collection account to my consumer report in which this alleged debt isn't mine. I asked them to investigate this account and provide to me all documentation that verifies the accounts listed in my dispute letter in which they never sent me any documents. How are they reporting this account if can't be properly validated nor did I give them the consent to report anything about me to the credit bureaus. If this alleged debt belongs to me why isn't there any contracts or agreements between me and the creditor reporting this information. This unlawfully reporting information is negatively affecting my credit score. included in this complaint is a copy of my dispute letter in which I ask Experian to thoroughly investigate my dispute and remove any account or information that's either inaccurate or unverifiable. 

Violations committed by Experian and the creditors : 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681 - Congressional findings and statement of purpose

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 2024-08-30 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: FL

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, which left me confused and concerned. When I checked my credit report, as I usually do, I noticed discrepancies that were not there before. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I am deeply concerned and request that the documents I've submitted be reviewed carefully so that I can avoid this issue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I called Capitol One in XXXX to ask when my promotional APR expired and when I had to pay the balance to avoid receiving any interest fees. The representative told me that if I paid my balance off by XX/XX/XXXX then I would not receive any fees, so I paid the balance on XX/XX/XXXX. 

On XX/XX/XXXX I was charged {$73.00} in interest. I called their customer service line on XX/XX/XXXX to ask why I was charged interest when I had until XX/XX/XXXX to pay off my balance. I was then told that I had to pay it off by XX/XX/XXXX not XX/XX/XXXX. When asked why I was told XX/XX/XXXX previously the response was " sorry for the misinformation ''. 

I do not have any information from Capitol One on when the promo APR expired and it is not included on the account statement. I called for help and was given incorrect information. I'm not sure what else I could have done to avoid this and Capitol One refused to take responsibility or assist in any way. I feel like I was lied to so I would have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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.

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 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 2024-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Asked for collection account to be deleted for incorrect dates. National credit adjusters then reached out and threaten to sue me and garnish wages for the debt they bought

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
still waiting for an updated debit card to show up. my last card expired in XXXX since the bank has always managed cards, why am I still waiting for a new debit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CA

Complaint narrative:
THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE OR INITIATED BELOW : 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 non-monetary relief
Consumer complaint received 2024-08-30 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 account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-30 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I took out a student loan, and I am still in school. I need to pay interest on this loan while I am still in school. 

Every month, I receive a bill with the total interest due by my due date. However, the number they are providing me is wrong. The total interest due is almost twice the amount they are stating in my bill. On the website, I can pay the " total amount due '' which is the same number provided in my bill. Once again, this number is wrong. 

When I contacted XXXX, they stated that there is no way for me or them to find the accurate outstanding interest on my loan. 

Instead, I have to calculate each month how much interest would accrue during the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-30 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 kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-30 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: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-30 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: WI

Complaint narrative:
XX/XX/2024 XXXX I spoke with the representative calling from Regional Finance and told them to stop calling me at work, that they were going to get me into trouble with my boss. 

XX/XX/2024 XXXX Again I spoke with the representative calling from Regional Finance and told them again to stop calling me at work, that I was going to get in trouble with my boss and that they have been harassing me with multiple daily phone calls every day of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
My information was exposed during the data breach.Experian has allowed this company to fraudulent put this account on my credit report without during a real investigation. 
I have contact the company XXXX funding llc by email, phone they are never able to authenticate me to give me answers on this account because it is fraudulent. 
Please remove this account immediately ACCOUNT : 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