vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I set up 2 payments of {$120.00}. with representative XXXX at XXXX XXXX XXXX was to occur on the XXXX of XX/XX/year>. The XXXX payment was to happen " XXXX '' weeks later on the XXXX of XX/XX/year>. 

I was clear on the call with XXXX that I could not afford to make back to back payments, but if the XXXX payment was " XXXX '' weeks later, I could set it up. XXXX ( XXXX ) agreed to take payment XXXX weeks later. 
XXXX credit took the XXXX payment " XXXX '' week later on the XXXX which I never agreed to. 

That unlawful access to my account put me in a terrible situation, more terrible than I was already in. 

Note : I had been out of work do to an injury since XX/XX/year>. I had fallen behind and was trying to make an honest effort to meet my financial obligations. XXXX illegally removed my money against the agreed arrangement on a postponed payment from my checking account. 

I spoke to XXXX managers ; XXXX ( # XXXX ) on the XXXX, who said she would have it investigated. Then the following day to XXXX, unit XXXX. XXXX was illusive and wouldn't answer my question. He only said it was a valid withdraw. 

( I never received an email or postal mail in regards to the agreed payments either ) I have had my bank start an investigation and hopefully have my funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me, and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my 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 non-monetary relief
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me, and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigations under paragraph 1 of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately XXXX XXXX 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 explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: ID

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.

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 a 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX 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 2024-09-26 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MN

Complaint narrative:
I am writing to file a formal complaint regarding my private student loan account with MOHELA-XXXX. I believe I have been misled, and the company 's actions have caused significant harm to my financial situation and credit score. Currently, my account is overpaid and they reporting it as delinquent. 

Background : In XX/XX/2024, I contacted MOHELA to explore options for lowering the monthly payment of my private student loan. During a phone conversation, a MOHELA agent advised me that if I made a lump-sum payment of {$10000.00}, it would reduce my monthly payments to around {$200.00} {$300.00} over the next five years. 
On XX/XX/2024, I paid {$10000.00} based on the agent 's advice, expecting my monthly payments to be reduced to the agreed amount. However, following the payment, MOHELA-XXXX billed me for {$820.00} and then {$540.00}, which is significantly higher than what was promised. 
When I contacted MOHELA regarding this discrepancy, I was told that there were fine-print clauses in the contract that the agent had overlooked. I immediately disputed the billing and informed them that I would not make any further payments until the error was corrected. 

Issues : 1. Misrepresentation : The MOHELA agent clearly misrepresented the impact of my {$10000.00} payment on my monthly billing. I relied on this information in good faith, yet the company has failed to honor the agreement made during our phone conversation. 
2. Refusal to Correct Billing or Refund : Despite my repeated requests to either adjust my monthly billing to the agreed amount or return the {$10000.00} lump sum, MOHELA has refused to take corrective action. I am currently overpaid by {$10000.00}, yet MOHELA continues to bill me incorrectly. 
3. Credit Reporting and Financial Harm : MOHELA has also reported me to the credit bureaus as delinquent, despite my account being overpaid. As a result, my credit score has dropped from exceptional to poor within a matter of months, causing severe and unjustified damage to my financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Summary : in XXXX  Chase Travel Services sold me a plane ticket that did not exist, and did not inform me of such. I arrived at the airport for my flight, to be told by the airline that the flight had been cancelled before I even purchased my ticket with Chase Travel. I was forced to book a last minute flight, at significantly higher cost out of pocket. Chase Travel refunded me the amount of my original purchase and refused to compensate me in any way for the significant inconvenience ( or materially higher price ) to book flights same-day with XXXX hours notice. 

Series of Events : XX/XX/year> : XXXX XXXX ' travel partner cancelled their scheduled flight on XX/XX/XXXX XX/XX/year> : through Chase Travel 's online portal, purchased first class flights from XXXX XXXX to XXXX XXXX XXXXXXXX for travel on XX/XX/year> on XXXX XXXX. Total cost for XXXX tickets was roughly {$5000.00} XX/XX/year> : I arrived to the airport in XXXX to be informed that the flight I had been sold via Chase Travel was cancelled weeks prior. And the only option to depart that day was to purchase XXXX tickets total cost of ~ {$12000.00} for my partner and I to travel back to XXXX XXXX XXXXXXXX. Chase was completely unresponsive during this process and was unable to help. 
I spent the next XXXX months back and forth with Chase Bank and Chase XXXXravel trying to get them to rectify the situation. They never took responsibility for selling me a non-existent ticket, and despite their protections/ guarantees in providing equivalent classes of travel if they make a mistake, they failed to provide any compensation beyond refunding my original purchase of ~ {$5000.00} for the non-existent flights. This left me ~ {$7000.00} out of pocket in having to buy international flights on the spot and being completely abandoned by my credit card provider and the travel service ( Chase Travel ) on which i booked the flights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
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 the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Also Known As : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This company : Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA. XXXX phone XXXX has attached a debt to me of which I have denied paying them, simply because I have never done business with this company. This company is fraudulently attempting to collect money from me. I have never signed any contracts with this company. I do not owe this company any money or services. On my credit report they are listed as the original creditor. This is not only fraudulent to report, its not facts. I have notified them I will not pay this illegally charged debt and I request for them to cease and desist all attempts to collect and reporting onto all three credit bureaus, XXXX, XXXX, and XXXX. The Alleged amount owed is {$420.00}. Back in XXXX  I informed them of no such debt or contract and to stop harassing me. This company has mailed me letters and reported this debt as a negative onto my credit reports. This has greatly impacted my ability to handle certain business and daily life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX I am filling this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S.C 1681C-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report. That is the result of Identity theft and fraud within four business days of receiving my complaint. This fraudulent, inaccurate, and false information consists of personal credit cards/loans. XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well as a copy of the consumer FICO credit report. Maintained by TransUnion which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you. They were not opened, made, or initiated by me. All aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-09-26 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: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-09-26 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: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Also Known As : XXXX XXXX

Company response to consumer: Closed with explanation