vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX  XXXX of XXXX XXXX on XX/XX/XXXX. Paid all but one item in the amount of {$100.00} Requested proof, for almost 2 years, that a certain medication was used during XXXX. The day after XXXX I saw the XXXX for follow-up and he did not mention that this special medication was used during XXXX. 

I was contacted by phone several times in addtion to receiving statements from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

Each time I asked for proof or confirmation from the XXXX in writing that he applied the Medication, I never received any proof. 

Received a Collection Letter from Transworld Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX and disputed the debt in writing on XX/XX/XXXX. 

Received another letter from XXXX on XX/XX/XXXX that was dated XXXX XXXX. 

No proof provided. 

At this point this is more than harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you of a concerning error in my credit report regarding late payments on my account. After carefully reviewing the report, I found that late payments have been incorrectly recorded, which has negatively impacted my credit score.

When I contacted the companies linked to this account, they acknowledged their mistake and agreed to correct it by updating my account to accurately reflect my payment history. They stated that a system glitch caused the incorrect reporting of late payments. 

It is puzzling that, while other credit bureaus have already corrected this errors, your bureau continues to report the late payments. This inconsistency raises questions about the verification processes your bureau uses to ensure the accuracy of reported information. 

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 non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on Transunion is Late 60 Days. 
The Payment Status for this account on XXXX is Late 30 Days. 
The Payment Status for this account on XXXX is Current. 

This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account 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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, Chase bank unexpectedly cancelled my account without providing any explanation or prior notification. Upon contacting the bank for clarification, I was unable to obtain any information regarding this abrupt closure. This situation has caused me significant inconvenience and concern, and I seek an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/2021 XXXX The Date Opened for this account on XXXX is XX/XX/2021. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX  Account Number : XXXX Please remove this item from my report the incorrect and inaccurate information from all three of my credit reports, XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/year> XXXX The Date Opened for this account on Experian is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX Please remove this item from my report the incorrect and inaccurate information from all three of my credit reports, XXXX, XXXX and Experian

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My account with 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 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 my account 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 Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with FIRST PREMIER 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 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 my account 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 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I am the victim of identity theft and fraud, during my due diligence I have noticed several accounts that were opened without my knowledge or permission. During this time I have notified all the credit bureaus about the fraud and inaccurate information. I have called numerous times and sent a certified letter to Trans Union with no success. I was told today XXXX that " they '' don't remove inaccurate information, that it was my problem to call the creditors to remove it, I informed the agent that I do not have a relationship with this creditor as I have never done business with them. I have several disputes dated XXXX, XXXX, XXXX, and XXXX with the last one still sitting in review stage after over 2 months. The file number associated with this account is XXXX. I am demanding that any and all information related to XXXX XXXX  be removed from my credit profile as I have NEVER done business with them in any context. I have also submitted a police report, a FTC identity theft report with no resolve.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or deleted. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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  Balance : {$0.00}

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or deleted. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, there were two fraudulent transactions made in my account. One of {$150.00} and one of {$900.00} to make a total of {$1000.00}. 

On XX/XX/XXXX I filed a dispute about the charges with Chime since I used Chimes pay anyone feature and the money was sent to another person with a Chime account. Chime mentioned that they were going to give a temporary credit within 10 days and then take 45 days to investigate to see if I get to keep the money or not. But my dispute was denied the next day. 

Chime also refused to attempt to do a chargeback to my account when I asked them to on XX/XX/XXXX. They said that I needed the account number and SSN to do a chargeback. They also refused to reopen my investigation and I have not received my funds. The customer service was very unhelpful, and hard to understand. I was also hung up on after they said they were unable to help me and it was very unprofessional. I have not received the XXXX dollars, and the customer service was hard to understand. They clearly do not honor the consumer protections that they say including the Zero Liability policy. 

On XX/XX/XXXX I sent an email to XXXXXXXX XXXX, and they received my complaint about Chime, and I believe that they are looking into it. I have also sent an email to XXXXXXXX XXXX which is also connected to Chime to give them the info of my complaint as well to see if they will look into it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
On XX/XX/year>, I purchased a Gift card for the amount of {$200.00} with Kohls at :XXXX XXXX XXXX XXXX XXXX ca XXXX. It was paid with my Kohls store credit card.A month later when the person i gifted the card was going to use it she was told at the register that the card had a {$0.00} balance. The assistant manager named XXXX XXXX at store Kohls in XXXX XXXX XXXX, was really helpful and went to his computer to see what he could find out, he verified that the Gift card wasnt used as a payment method before and he confirmed that the payment ln the gift card was completed. I called the number on the back of the gift card, the customer rep told me that he could see that the card had a {$200.00} balance and was ready to be used, I passed the phone to the assistant manager and again he explained the customer service rep that he couldnt use it as a payment method because it didnt reflect any money, after a while the customer rep told me to wait a day and go to the actual store where I bought from and see if they could help out. The next day I went to the original store where I bought it and the manager told us that she couldnt do anything that the money had already been refunded back to my card, I told her that wasnt the case but she dismissed me saying I needed to call customer service and she wouldnt help us. The next day I called customer service and the rep told me that the gift card was canceled on XX/XX/XXXX and that she didnt know why that I had to call corporate refunds for that. The number provided for corporate refunds was : XXXX. I called and there was q message saying that there was q high volume calls to leave my phone number for them to call me back. I called a total of 14 times that number and the never called me back, i decided to wait in line the last time I called, I was on hold for 2 hours and 25 minute ( which I took a screenshot ) and NO ONE ANSWERED. I sent messages thru the message system on my kohlscard website and was told to call the credit card number I called the credit card they told me to go to the store where I bought from for a refund. I went to the store and the manager will not issue me a refund she says to call the customer service number. No one can help me with this matter, Ive been a loyal customer for more than 10 years and never had I ever thought that giving a Kohls Gift card would turn into such a nightmare and waste of time where no one at their company can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 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 XXXXXXXX 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/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