vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: CT

Complaint narrative:
I made my mortgage payment usually by calling in difficulty accessing mortgage website. I had a contact person at the bank name XXXX, who encourge me to call or email him due to multiple customer staying difficulty with the website. I have call in payment for the duration of the loan. In XXXX, I called in my payment and quickly realize that the money was still in the account before the ending of the month, I send an email to XXXX asking why the payment was still in my account and sent the corrected banking information to XXXX and payment was debited on time. XXXX payment was call in upon returning for overseas on XX/XX/year>. I realize that no debit on my account on XX/XX/year>. I ask the bank to read the account number on file of which they did not correct the account number, the error was the same as lat month, the bank had an extra XXXX XXXX in my account number, so it rejected I quickly brought this to XXXX bank attention and also letting them know this error was the bank error. However, even with the email as evidence, I was ignored and reported as late that severely impacted my credit. I am in process of purchasing another property at this time. I receive a change of address in the mail, I do not believe I requested this. The correct information on the loan, should have been in the banking system from day one of servicing. 
Please assist as soon as possible.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Didn't receive enough information to verify the debt Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b ( 2 ). Company has also NO Permission to REPORT ANYTHING using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Didn't receive enough information to verify the debt Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b ( 2 ). Company has also NO Permission to REPORT ANYTHING using my info pursuant to 15 USC 1681 4

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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I had agreement with Tenagliahunt to pay a debt amount XXXX $ in 12 monthly payments of XXXX XXXX I already paid XXXX payment on XXXX then on XXXX. 2024 they changed my bank account XXXX XXXX The other thing is that on company website I have account where I can pay my debt and it shows different amount, higher than I agreed to pay. I called company many times, left voice messages with no response. ( XXXX times ) Last Monday someone from company called me and told me that they will fix website account and payment but it is Thursday already and they didn't do it. I paid XXXX $ this month and I'm afraid that on XXXX they will charge me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: CA

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 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 2 : IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURISH A ACOUNT WITHOUT MY WRITEN INSTRUCTIONS. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY 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 non-monetary relief
Consumer complaint received 2024-07-18 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: CA

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 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 2 : IT ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURISH A ACOUNT WITHOUT MY WRITEN INSTRUCTIONS. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY 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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing to you guys because CAVALRY PORTFOLIO SERVICES is trying to collect a debt that I do not owe. They have never verified the debt with me and I have told them I am not responsible for this debt. They are inaccurately reporting this debt to my credit report which is stopping me from acquiring a house. Please have them remove the account from my credit report as soon as possible, if not I will have to result to pursue legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was notified by American Express that they are enforcing a credit limit on my American Express XXXX consumer card. Which is a card that is promoted All over the world as a cash card with no present spending limit and they charge a hefty annual fees for that reason {$690.00}. 

When I asked why I was placed under a limit despite the fact that my card should have no limit, I was told my spending behavior over the past XXXX months was high and it did not match my profile. They also told me that I could not use their card for transactions with a retailer that I have an existing relationship with. And told me that this behavior is against their card holder agreement. In addition, they lowered the limit on my other American Express XXXX XXXX  account, which I did not have any transactions on similar to my American XXXX  card. 

I asked for a copy of the agreement and there was no reference to any terms which they based their decision on. When I called back to ask them for a specific term or reference line to their credit agreement, I was told that I wont find such term in their agreement. 

Please note that I have a been a card holder with American Express for XXXX years and never missed a payment and have an excellent credit score. Which should give them no right or reason to treat me the way they did. Made a decision on my accounts to place me on a spending limit, and made reference to their card holder agreement, and its all false and have no basis. They lie to their customers and make false accusation and promote misleading advertising on their American Express XXXX  card being a limit less card is totally false

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
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 explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Could you please assist me with an erroneous account showing on my credit report? This has been affecting my reputation, and I urgently need your help.

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 2024-07-18 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: OH

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. 
Account name XXXX XXXX XXXX  XXXX Account number : XXXX XXXX Account name : XXXX XXXXXXXX XXXX  XXXX Account number : XXXX XXXX Account name : XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : # # # # # # # # 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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. 
and according to 15 USC 1681s-2 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
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 2024-07-18 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:
I am writing to follow up on my previous dispute regarding inaccuracies in the account information listed under account number XXXX on my credit report. Despite your initial investigation, the information remains incorrect, and I respectfully request a thorough reinvestigation. 

The discrepancies in my credit report are as follows : Balance Details : The account is marked as " Paid off '' with no balance or balance update information provided. This lacks clarity and completeness. Additionally, the original balance is shown as {$14000.00}, which needs to be verified and corrected if inaccurate. 
Payment Summary : The payment summary for the years XXXX through XXXX is incomplete and inconsistent, showing only " XXXX '' for XXXX each year. This does not accurately reflect my payment history. Please review and correct these entries. 
Account Status : The account status indicates " Closed, '' but no information is provided about the closing date or any associated details. Please verify and update this information for accuracy. 
Additionally, I would like to state that this account was consistently paid on time and never late. The current information does not accurately reflect this fact and unfairly affects 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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
XXXX XXXX has stopped providing services to Juno and other XXXX banking firms. This effectively froze all related accounts leaving hundreds of millions of dollars unreachable for over XXXX Americans. I personally have over {$13000.00} locked in what I thought was an FDIC insured checking account. As of writing I have no access to this account and the banks, XXXX and XXXX have not provided a solution to give customers access to their money. 

The XXXX have committed fraud by telling customers their money was FDIC insured but not disclosing that there was a middle man involved managing the money who was not FDIC insured. The XXXX have engaged in deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXX XXXX  is, this fraudulent account need to be remove from my report because it's hurting my personal finance.

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 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I was XXXX  and XXXX  in XXXX XXXX, XXXX ( see attached official letters from the XXXX XXXX XXXX of the XXXX XXXX XXXX, the XXXX XXXX Municipal Police Report and Official XXXX Analysis showing substances found in my XXXX ), and my phone and computer were stolen which were used to fraudulently utilize my Remitly account. In association with this crime, my phone and/or computer were used by those who stole them from me to access my XXXX account, and XXXX separate UNAUTHORIZED transactions were made without my consent or knowledge. ALL TRANSACTIONS BETWEEN XX/XX/XXXX and XX/XX/year> WERE UNAUTHORIZED. 

A total of USD {$15000.00} was fraudulently transferred out of my XXXX account and XXXX has denied my claims and has not returned my money. 

These transactions have the following XXXX  reference numbers : : Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every XXXX of the above transactions was not authorized and was transacted without my consent. I request that these transactions ALL be reversed and that the money be returned to my associated bank accounts for each transaction immediately. I am submitting the attached letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as the police report from the XXXX XXXX XXXX of The Public Prosecutor in order to support my claim of fraud and unauthorized transactions. Please find attached both the original Spanish versions and the translated XXXX versions. 

Due to the unauthorized transactions listed above and listed in the attached XXXX XXXX between XX/XX/year> and XX/XX/year>, the associated bank accounts must be reimbursed for the associated amounts per transaction. 

Sincerely,

Company response to consumer: Closed with explanation