vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-30 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: CT

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email from Chase and Marriott for the Marriott XXXX XXXX credit card with a link to a promotional offer of 3 free nights, value up to XXXX bonus points, after spending {$3000.00} in the first 3 months. I clicked on that promotional link to open the card. When I received the card in the mail it came with a different promotion, or a {$350.00} e-gift card and only XXXX bonus points after spending {$3000.00} in the first 3 months. I immediately called Chase and Marriott ( and did so continuously over the next weeks that followed ) and informed them of the incorrect offer. Every person I spoke to from both Chase and Marriott told me " no problem, we can see the offer on our end, wait until you hit the spend threshold, wait until it posts, then give us a call and we'll adjust the offer. '' I said great, no problem. At no point in time have I spent the {$350.00} gift card. In the meantime, I hit the spend threshold, waited until it posted, and again called Chase and Marriott. I again was told no problem, just upload into the message center online for Chase a picture of the email promotion and we'll get it changed. I uploaded the picture and then received a message back saying they can not do the offer anymore. I inquired multiple times saying how can this be when every single person told me it was no problem. I inquired again. As of this morning, I was told by Chase that they will not respond to me unless I have new or additional information. I explained to them that I clicked that specific offer for a reason - and as they know, customers wait for different offers and choose the one they want. I still have no explanation as to why I can't get the offer I was promised. I would like this fixed and that I be provided some type of compensation for the lack of transparency, lack of receiving the offer I specifically clicked, and deceitfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Card I requested a balance transfer from Citi bank early XXXX for my XXXX XXXX credit card. Citi bank paid out the balance transfer to XXXX XXXX twice. I called Citi bank and notified them of this error. They told me to send the duplicate payment back to Citi bank in the form of a payment. I was told that the balance transfer fee would be refunded once they received the payment. After making the payment to Citi bank, I called customer service to verify my accounts. On XX/XX/year>, I was told by a Citi representative to disregard card ending in XXXX. Once I noticed that the account was still on my Citi account online, I called back and attempted to report the fraud again. I was rerouted to company that was not Citi bank ( recording attached ). In the attached files, I am including voice recordings of my conversations with Citi representatives, along with my notes from each conversation. I also added notes from me reaching out to XXXX XXXX in an attempt to help me resolve this case. ( I could not attach the longest recording from Citi bank which was about 30 min long, happy to share upon request )

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 2024-09-30 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 DEPT OF EDUCATIONXXXX 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. 

EPT OF EDUCATIONXXXX 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 2024-09-30 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: MO

Complaint narrative:
When I looked at my credit report this morning, I was shocked to see accounts that dont belong to me. I always check my report, and today, for some unknown reason, it showed errors that I didnt anticipate. I thought it could be a browser issue, so I refreshed it, but nothing changed. These inaccurate accounts remained, and now Im left feeling completely unsettled. Im asking for the documents Ive sent to be thoroughly reviewed to prevent this from happening again.

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 2024-09-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-30 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: TX

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-09-30 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: NY

Complaint narrative:
I am deeply curious of how my outcome for this complaint has turned. Your company has responded to my request of removal of these inaccuracies and they are still reporting these accounts. It has deeply affected my credit standing and it stresses me out.

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 2024-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I applied for credit through Ashley Furniture, who unfortunately uses Synchrony Bank, when we purchased a mattress in XXXX. We were financially prepared to start making payments a little higher than required. My wife, XXXX, handled the setup, but despite this, we received a late notice the following month. She contacted Synchrony Bank, paid the outstanding monthly payment bringing us current, and re-enrolled in automatic payments. Yet today, I received another message saying we're behind again even though an email dated XX/XX/year> says I'm enrolled for auto-pay. Our bank account is never in arrears. 

This situation is damaging my credit, adding late fees, and jeopardizing our ability to pay off the balance before the XXXX-percent financing period ends. I suspect this may be intentional, as we've had similar issues with Synchrony Bank in the past. Had we known Ashley used them, we would have avoided financing through this option. I'm extremely frustrated that this continues to happen. 

To make matters worse, when I called for assistance tonight, I was transferred to the wrong department twice and still received no help. 

I do not have exact dates and amounts because they never send a bill. Our amount due now is {$5300.00} My only option was to reach out to 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 monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
My name is XXXX XXXX. I am a consumer. My SSN is ( Private SSN ), My DOB is ( Private DOB ), Complaint is : The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, Experian credit reporting agency , block information that appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards accounts. Both opened at XXXX XXXX XXXXXXXX. Both opened on XX/XX/XXXX, both under account numbers ( private numbers ), 1 Mortgage opened at XXXX XXXX  opened on XX/XX/XXXX, under account number ( private number ). Another mortgage opened at XXXX XXXX  opened the same day on XX/XX/XXXX, under account number ( private number ). A collection account at XXXX XXXX XXXX opened on XX/XX/XXXX. There were also numerous several fraudulent inquiries. I have attached a my FTC complaint and my final and last dispute submitted to you. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that the Experian credit reporting agency, block all accounts, collections, and inquiries identified in the CFPB complaint from my consumer credit report file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email 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 2024-09-30 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had a revolving credit account with Rooms To Go, managed by Synchrony Bank, since 2008. Throughout this time, I have maintained a perfect payment history, with no missed or late payments for over a decade. Despite my responsible use of credit, Synchrony Bank recently reduced my credit limit from {$4500.00} to {$1500.00} without prior warning or specific justification, citing vague reasons related to " account activity '' and general risk factors. 

This unexpected credit limit reduction has severely impacted my credit utilization rate, which in turn has harmed my credit score. My current balance is {$1400.00}, and prior to the limit reduction, my utilization rate was a manageable 32.6 %. Following the reduction, my utilization rate has skyrocketed to 96.9 %, a drastic increase that pushes my usage rate far beyond the recommended threshold of 30 %. This unjust action is having a damaging effect on my credit score despite my long-standing, excellent account history with Rooms To Go and Synchrony Bank XXXX 

Given the long-standing relationship I have with this account and my clean payment record, I find the reduction to be unfair and unwarranted.

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS OM HOW AND WHY THESE ARE REFLECTING IN MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
On XX/XX/XXXX someone attempted and successfully opened a checking account at XXXX XXXX XXXX XXXX ( XXXX ) in my name. I received a statement to my home address stating I owed money for opening this account. On XX/XX/XXXX I received a call from XXXX at the XXXX branch stating that they had flagged this account as fraudulent but I would have to visit a local branch to make a statement and close the account. On XX/XX/XXXX I made contact with the XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and was told that they could not close the account without a police report or notification to the government, therefore I am making a report so they can close the account as well as rescnd the hard hit on 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 2024-09-30 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I was emailed an offer from concora credit for a milestone Mastercard with XXXX $ limit, Im assuming because I am already a customer of theirs with their Indigo Mastercard and they already had my information. I accepted the offer and they approved and then mailed me my card which I activated upon receipt in their anpp. After opening my account I was charged a XXXX $ annual fee. Ive used the card one or two times, but Im not completely sure because I no longer have access to my account. However these were all small transactions in my zip code. The next time I tried to use my card it wouldnt work and after calling customer service they said my card was blocked and in order to have access to my account again I am required to make photocopies of my personal information and either mail or fax this information in. When I log into concoras app I am able to see and access information for my indigo account but everything for my milestone account is inaccessible. I cant see what I owe or when my next payment is due.

Company response to consumer: Closed with explanation