vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and nave a responsibility to report consumer information to the a best of there ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements Showing that these late payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$370.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX XXXXXXXX  At a XXXX gas station I added {$49.00} of paper money to my Cash app account. After that I payed at the gas pump with my cash app card as a debit transaction using my 4 digit pin to pump {$7.00} of gas. Since that transaction my accout has a pending hold of {$47.00} and a negative balance of {$7.00}. I have never has a pre-authorization hold longer then maybe 30 minutes... EVER! The cash app represents told me 2 different reasons for this pending hold. One being XXXX had charged me 2 times for that transaction. That wasn't true it never showed in my accout activity that was the issue. Cash app blames the merchant for the hold. 2 days later I contact XXXX and speak to a representative and they stated it's not a pending hold on their end, it is Cash app placing the hold. I contacted Cash app again and they still blame the merchant. I have spoke with cash app 4 or 5 times with no resolve. As of XX/XX/year> my money i deposited is still being held. This company is jerking people around and withholding people money. This is not ok. The XXXX representative said 80 % of the calls received is for this exact same issue I'm having. I have request a statement from the on my behalf. I have supporting screen shots of the false information Cash app is stating. I am also seeking legal assistance for their fraudulent ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: AZ

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 explanation
Consumer complaint received 2024-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inquiries listed are not mine, and I do not have any ties to the creditors.

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 2024-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a formal complaint regarding Care Credit, a division of Synchrony Bank, and XXXX XXXX  for engaging in predatory lending practices and misrepresentation of loan terms, which have resulted in financial harm. 

Details of the Incident : On XX/XX/23, I financed a medical procedure through Care Credit at XXXX XXXX  for a total of {$6700.00}. I was explicitly told by XXXX XXXX  that the terms of the financing included an XXXX no-interest promotional period, and any interest ( 26.9 % APR  ) would accrue only on the remaining balance after that period. However, after the XXXX promotional period expired, Care Credit has applied a 26.9 % APR from the origination date of the loan, which was never disclosed. This resulted in {$2900.00} in retroactive interest charges, which inflated my balance beyond the original loan amount, even though I have made nearly {$3000.00} in payments. 

Issues : 1. Misrepresentation of Terms : The financing terms explained to me by XXXX XXXX were misleading. I was led to believe interest would only accrue after the XXXX period, but Care Credit applied interest immediately. 


2. Predatory Lending Practices : Care Credit 's retroactive application of a 26.9 % APR is predatory and has resulted in financial harm, as it has increased my balance above the original loan amount. 


3. High-Pressure Sales Tactics : XXXX XXXX  pressured me into signing the agreement by offering a {$1000.00} discount for same-day booking, making it difficult to fully review the terms and conditions of the financing. 

Consumer Harm : These practices have caused significant financial distress. The misleading nature of the loan terms and the retroactive interest charges are predatory, violating consumer protection laws. Despite my efforts to dispute this directly with Care Credit, they have failed to rectify the situation. 

Request : I request that the Consumer Financial Protection Bureau investigate Care Credit and XXXX XXXX  for engaging in deceptive and unfair lending practices that target vulnerable consumers. I am also requesting that Care Credit be required to remove the retroactively applied interest, adjust the balance to reflect the true remaining loan amount, and cease all negative credit reporting and collection activities.

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 2024-09-25 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-09-25 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:
The late payments do not align with my regular payment history.

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 2024-09-25 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 EXPERIAN 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. 


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.

EXPERIAN 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-25 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: 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 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 2024-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I attempted to do business with a company called XXXX on XX/XX/XXXX. I explained I was leaving the country for months at a time and if they couldn't overnight the medication I needed to wait. I never got the medication but got billed. I was not in the country. I explained this to the company. They blew off my communication but continued to bill me. 

XX/XX/XXXX for {$39.00} XX/XX/XXXX for {$220.00} XX/XX/XXXX for {$320.00} XX/XX/XXXX for {$79.00} I never received the medication but was charged accordingly. I purchased this with my capital one card but they reversed the charges because I wasn't in the country to send the proof I never received the items. How can I prove I never received something. I explained to the company that I was in the XXXX XXXX. There was a customer portal where you communicate with the company but since my account got closed when I complained about being billed and not receiving the product I no longer have access to the communication portal. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MO

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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 in ( MONTHS REPORTING LATE ) 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 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 2024-09-25 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: MO

Complaint narrative:
My account with XXXX EXPERIAN 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 in ( MONTHS REPORTING LATE ) 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 EXPERIAN 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 2024-09-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
im having trouble with american express cards first, the decreased XXXX  card suddenly then i appealed ( XX/XX/year> ) then they said 7-10 days, then 30 days, now making me start the process over again the responsible lending department is off shore and quite dysfunctional then while i was trying to fix this card they demanded payment on another card with two days notice for {$2700.00} they sent me this notice on thursday for sunday payment XXXX these are bully tactics and they have terrible runaround useless customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over a period spanning months, I have been in repeat contact with Experian by phone. 
While Experian sends me advertising material via email, including commentary about lines of credit opened, closed, products for sale, and availability of my credit report they will not allow me to login to their landing page to manage my credit in any fashion. This includes consumer protected rights to dispute transactions, freeze and unfreeze my credit, and access free annual credit reports. 

Phone support is able to repeatedly validate my identity through trial questions, send password reset emails ( which allow me to reset the password ), but a continued system issue occurs. Every time I put in the reset, correct, credentials I am met with a non-descript error message telling me I can not proceed and must contact consumer support. This cycle has been repeated in full no less than 3 times. 

XXXX XX/XX/year> phone support opened an escalation ticket. This was to be an escalated technical support ticket. 

On XX/XX/year> I received an email from Experian Support representative " XXXX XXXX '' regarding this ticket. " XXXX XXXX XXXX asked that I login, which I am unable to do and which is the root cause of all issues, and send screenshots of error messages. I responded on XX/XX/year> again relaying I could not login, and screenshots of all problems relating to my step by step process of trying to login, XXXX screenshots in total. No response was received. 

On XX/XX/year> I responded to the email requesting status. No response was received. 

On XX/XX/year> I responded to the email requesting status noting I planned to reach out to the CFPB. 

I followed this up with phone call to Experian and was told by phone support that escalation ticket was closed due to " no response '' by representative " XXXX XXXX '' despite me responding the same and provided XXXX requested screenshots. 

Phone support " reopened '' the same ticket because they saw that I had responded as requested and " XXXX XXXX '' must have " missed it ''. 

On XX/XX/year> I received an email response from " XXXX XXXX '' offering no explanation for previous action, or lack thereof, and was told she canceled my account. I was told to wait 24-48 hours and try to register again. I have done this, and I still can not register an account, nor can I access any related functions- pulling free annual credit reports, managing freezes, etc.

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