vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My wife and I own our home in XXXX XXXX, FL, which took a direct hit from Hurricane Ian on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, XXXX XXXX, to request a 30-day extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXXXXXX XXXX XXXX XXXX, or it's processing company, XXXX, is helping me with this. Please help. Thank 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I keep getting emails that I have a payment due on PayPal credit, which I have applied for or asked for, selected, or requested. I didnt know what this charge was for and then realized it for a purchase I tried to make but didnt realize PayPal had an expired so the transaction did not go through. I received an email from the company that there was an issue with my payment and to call them directly so I did. 

Before I realized this I actually tried to make a payment on pay pal and it didnt even let me. Thats when I dug deeper and realized this was for pay pal CREDIT. Its also worth noting the Synchrony bank is listed on the email. I have several store credit cards through synchrony and I definitely had to fill out a credit app to get approved. 

I have had a couple calls and voicemails from PayPal to get me to pay but I started getting worried it was all a scam. I looked up PayPals phone number online today and when I called it asked me for the last 4 of my social, which I reluctantly entered, it then kept me in a loop, not letting me speak to anyone and asked for my social again, which I would not enter. It eventually had me on hold for an agent but disconnected me. 

This has been added to 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX XXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian decreased my credit by XXXX points in XXXX because they began including several closed written off accounts in the calculation of my total credit utilization. Credit utilization calculates what percentage of the credit is currently being used of your total available credit. It does not include closed accounts because you are unable to use credit if the account is closed. I verified with vantage that they do not use the closed accounts in this calculation. In XXXX Experian included several closed accounts stating my credit utilization is 84 % and it dropped my score by XXXX points. Im only using XXXX dollars of my XXXX dollars available credit which calculates as 4 %. When I brought it to their attention they refused to do anything about it and said they cant do anything to change it and gave me no solution or suggestion.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc
State: PA

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. XXXX Account # XXXX XXXX XXXX  ) has violated my rights. 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 account without my written permission XXXX and XXXX n has stated XXXX XXXX was verified has failed to show proof of verification on more than XXXX disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: PA

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. XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 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 account without my written permission XXXX and XXXX n has stated XXXXXXXX XXXX  was verified has failed to show proof of verification on more than XXXX disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a account without my written instructions.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a account without my written instructions.

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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I live in XXXX, across the river from XXXX XXXX XXXX, XXXX. I used my new Southwest Rapid Rewards Plus Visa through JP Morgan Chase bank at XXXX XXXX before re-entering the XXXX on a day trip across the river. I was slapped with a {$4.00} foreign transaction fee. I called JP Morgan Chase to explain that I live across the river and cross frequently, they told me they can't remove the fee unless I sign up for the level above the account I already have. I already pay {$69.00} per year to have the Southwest Rapid Rewards credit card, but they said that doesn't include free foreign transactions and if I wanted that I'd need to upgrade to the {$140.00} a year account. I just think this is more junk fees runaround from the big banks and I really think they need reigned in. Hope you all can help force them to stop extracting money from those of us who make the least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a call from the number to the XXXX XXXX Chase branch. The person identified himself as XXXX XXXX ( sp? ) and told me there were fraudulent charges on my account. He had my address, zip code and PIN number. He asked for a code that he texted to me and told me my account was being red flagged. After hanging up I called back and the actual branch said nobody named XXXX XXXX works there. I explained what happened, the employee checked my account, didnt see anything and told me to just keep an eye on it. A few minutes later multiple {$100.00} ATM transactions totaling {$1800.00} took place at the XXXX XXXX branch in XXXX and our account was drained. I called back the same number and the employee advised me to go to a physical branch, close all accounts, open new ones and get new debit cards, which is what we did. They told us Chase has to investigate the claim. When i called on the XXXX I was told that the claim was denied and there was nothing Chase could do for us to get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX credit account shows incorrect information listed. This ACCOUNT shows PAID in full. please can u help REMOVE this account from my CREDIT REPORTS Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX credit account shows incorrect information listed. This ACCOUNT shows PAID in full. please can u help REMOVE this account from my CREDIT REPORTS Thanks, 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have attempted to have a account removed from my report with no luck, I have attempted to have my correct personal identifier 's on the report with no such luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
This company Apire Credit Card closed my account and told me they closed it due to payment return history but I am disputting there claim because they violated my rights an also took my money and ruined my credit. This company put my account on hold because of I told them dispute unauthorized charges from XXXX XXXX XXXX and they charge me over {$1000.00} and every since that problem my card was closed but before then I had and availbe credit of {$290.00} but not they say i owe then {$290.00} and my account closed. The proof is in the statments i uploaded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX XXXXXXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX XXXXXXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Westcreek Financial
State: UT

Complaint narrative:
Consumer Review Title : Warning : Unlawful Credit Practices at Koalafi I regret to share my recent negative experience with Koalafi, based at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT, as they have significantly violated the Fair Credit Reporting Act ( FCRA ). 

During a recent credit application process, Koalafi denied my request for credit. This, in itself, is not the issue. The problem lies in their failure to provide specific reasons for this denial. Such behavior is a direct violation of the FCRA, specifically 15 U.S.C. 1681m ( a ), a law designed to ensure transparency and fair play in credit dealings.

The FCRA clearly mandates that if a credit application is denied, or if the terms offered are less favorable than those typically provided, the creditor ( in this case, Koalafi ) must offer clear, comprehensible reasons for their decision. Unfortunately, I received a simple notice of denial with no explanation whatsoever. This leaves me, and potentially other consumers, without any understanding or guidance on how to improve our credit standing with them in the future.

In response, I requested Koalafi to : Provide me with specific reasons for the denial of my credit application, as per the FCRA.

Confirm that they've implemented necessary processes to comply with the FCRA and to prevent such issues in the future.

Remember, failure to adhere to FCRA regulations can result in serious penalties for companies, including statutory damages, punitive damages, and attorney 's fees, as per 15 U.S.C. 1681n and o.

I am sharing my experience to alert potential customers of Koalafi 's violation. I hope that my review can help others make an informed decision. I am currently awaiting their response and resolution of this matter within 15 days from my initial complaint.

If I don't receive a satisfactory resolution, I am prepared to pursue further legal remedies. In the meantime, I would advise anyone considering applying for credit with Koalafi to be wary of their non-compliance with the FCRA, a critical consumer protection law.

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased back in XXXX some furniture from Wayfair, they had advertised 36 month 0 % APR on order over {$990.00} online order only. I ordered online and I applied for the offer. Citibank offered me the Master Card form Wayfair instead of the regular Wayfair. Instead I ended up getting 36 months with an APR of 9.99 % monthly. I tried to fix it and I got bounce back and forth between Wayfair and Citibank. I was on the phone for XXXX hours, I got the phone hanged up at me XXXX times and never got a call back. At the end they just told me there is nothing they can do. Neither Wayfair, nor Citibank wanted to resolve the issue. Misleading information, horrible customer service. Be very aware!!!!! I'll never buy anything else from Wayfair and I won't use Citibank ever 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 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I mailed 3 letters on two closed accounts with Comenity Bank. One account for XXXX  and one for Ann Taylor. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from Community Bank and the credit reporting agency XXXX. 

Comenity Bank XXXXXXXX  is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than 7-10 years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

Comenity Bank /Ann Taylor is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than 7. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA.

Company response to consumer: Closed with explanation