vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they affect my ability to obtain credit, according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. XXXX, XXXX, & XXXX are third-party companies, and furnishing my credit profile is illegal and unlawful. please remove this information from my credit profile. it is unlawful for false and misleading denial of my unlimited credit based on Title 15 Subsection 1611 of the US code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a updated credit report from XXXX the source of the public record on my credit profile. I am asking for the Bankruptcy number-XXXX on my credit file to be investigated. I have proof that it don't belong on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a updated credit report from XXXX the source of the public record on my credit profile. I am asking for the Bankruptcy numberXXXX on my credit file to be investigated. I have proof that it don't belong on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
My account with TRANSUNION 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 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.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never been able to get my free annual credit report from Transunion. I cant freeze my credit with them. Their customer service both by phone and by messaging are unhelpful and do not resolve anything. They pretend like theyre solving my issues but do nothing and resolve nothing. For years I have been unable to get my annual free credit report from them and now Im trying to free my credit with them and they are incapable. I cant believe this company is allowed to be entrusted with our most sensitive data. It is a 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 2024-08-26 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: 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a general problem with all three XXXX XXXX XXXX XXXX ( Transunion, XXXX, XXXX ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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 write to advise that my XXXX XXXX XXXX Bank all contain inaccurate and missing payment, balance, notice of disputes, fatally false date of first delinquency and other mandatory data which is missing from my credit reports as set forth in the attached Experian credit reports. 

I am the prevailing party in arbitration and court litigation for which XXXX  claims have been extinguished under the XXXX XXXX XXXX of Federal Rules of Civil Procedures further automatically staying and barring relitigation and presenting balances above {$0.00} as {$0.00} is owed. 

I have attached copies of inaccurate and incomplete missing payment and balance data which must be presented to XXXX for investigation in detail without providing a meaningless XXXX digit code. 

I request that Experian process this dispute, advise XXXX and other CRAs of the dispute and perform the request investigation which would include hundreds of pages regarding the specific XXXX XXXX extinguishment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NV

Complaint narrative:
I have sent a dispute letter to Equifax on XXXX/XXXXXXXX and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information, My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX NV XXXX Under Accounts, XXXX XXXX : XXXX, CFPB states that you must investigate inaccurate accounts, and this account is inaccurate. This item MUST be DELETED under the law. XXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX : XXXX, It appears that this account has problems, and it needs to be addressed. Demand this item to be DELETED from my credit report ASAP. 
XXXX : XXXX, It looks like this account is not reporting the way it should be reporting because it's different on the other bureau reports. Request to correct the inaccurate information immediately by deleting it. 
XXXX XXXX : XXXX, XXXX demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY. XXXX XXXX XXXX, Please investigate this inaccurate and misleading account today. Please respond immediately, do your investigation, and remove the inaccurate account so that I do not need to pursue my legal rights under The Fair Credit Reporting ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
So my issue is a bit complicated and I couldn't find exactly the same scenario in your drop-down boxes. 

Issue is with Synchrony Bank ; beginning in XXXX ( COVID ) I was struggling with my payments due to both unemployment and medical issues resulting in XXXX XXXXXXXX and loss/reduction of income plus medical bills. I contacted Synchrony Bank regarding my Lowe 's store credit card. I negotiated a 'settlement for less than balance owed ' and scheduled my XXXX required payments. This was all verbal over the phone, I received nothing in writing, neither via USPS nor email for this settlement. I didn't think anything of the issue as I had previously negotiated similar settlements with Synchrony with no issue. I only have my hand written notes relating to the requirement payments and confirmation numbers of the scheduled payments. The first XXXX payments were drafted via ACH as requested, the XXXX payment was never processed. I had so much going on in my life, as I do currently with unemployment, medical issues that I didn't even notice that the payment was not deducted from my bank account. Again, I had never received anything in writing from Synchrony on similar settlements so I didn't think anything of this. This all occurred between XX/XX/XXXX and XX/XX/XXXX. 

My issue is now my account was charged off and sold multiple times and I have a legal suit against me for the remaining balance. The attorney doesn't have and won't work with me to try and find this information on the missing payment no why Synchrony didn't process the payment after providing me a payment confirmation number. 

Current owner of account is XXXX XXXX XXXX Attorney is ; XXXX, XXXXXXXX XXXX XXXXXXXX, & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Case ; 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I HAVE CONTINUED TO DISPUTE THE REMOVAL FROM OLD CHARGED OFF CREDIT THAT WAS REMOVED DURING BANKRUPTCY AND THEY REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened up a Wells Fargo checking account with the help of my dad. When I signed up for a checking account with Wells Fargo, I was asked by the Wells Fargo bank employee ( XXXX XXXX ) about my desire for overdraft protection. I clearly conveyed my wishes and desire to not have overdraft protection in place. XXXX XXXX asked me what my desire was for transactions in which I did not have funds to cover the transactions. I told XXXX XXXX that I wish the transaction to be denied. My account was set up to deny all transactions in which I did not have the funds to cover it. 

This leads me to XX/XX/XXXX, when I received a check in my e-mail through a solicited vender for art services they were interested in of mine. I deposited the check in my bank. The vender was asking me to send money to a different person, which at this point, I was concerned that I was being scammed. And so, I sent the vender back their money through XXXX. However, the check was a bogus check and Wells Fargo penalized me for {$400.00}. 

I am disputing the {$400.00} transactions, because I did not have overdraft protection in place. My transaction should have been denied, flagged, and stopped, because I only had around {$11.00} in my bank account and a {$400.00} transaction should not have gone through, as this would have put me in the minus. 

In addition, I received a letter from Wells Fargo dated XX/XX/XXXX in which they informed me that the {$400.00} transaction did not precede, yet my account is still negative {$400.00}! 

I am submitting my complaint to respective governmental agencies in order to get a resolve with this transactions and to continue doing business with Wells Fargo. I have every intention on pursuing this matter in court, if I do not receive a favorable result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I have proof of Negligence as well as Non-compliance. 
Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX has deleted this account, XXXX XXXX XXXX need to please follow suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ) I have provided my photo ID along with the other required documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
Charges were made on my card without my knowledge. I had disputed the charges where I was issued a new card. After receiving my card I had not activated it for approximately XXXX weeks. On the day I had attempted to activate it I was unable. I called the office and was told that they would investigate the issue. I found a few days later in a text that my account had been closed. I called and asked why since I have never missed a payment. I was told that this was their decision and once it is closed it can't be reopened. I was also told that I would receive an email outlining their decision. I was then given an email stating the same answer, but not as to why it had been closed. 

Upon further investigation I have found that my account had be reopened and then immediately closed. I have taken screen shots of my account and its payment history for evidence if requested.

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