vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries are not authorized by me. 
Fraudulent Accounts : XXXX. XXXX XXXX Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$420.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$23000.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX. Bankruptcy - Account # : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/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 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Self Financial Inc.
State: CA

Complaint narrative:
I'm going through hardship at the moment I am homeless and I reached out to the self Inc credit card company and ask them can I pay a lower rate and they denied and I asked them why are my credit and interest rate so high the new law passed on interest and late fees to lower the amount they denied I had to cancel my credit card because it was still not active my balance was {$1500.00} and now it's almost XXXX I was charged a late fee today on XXXX and the office is closed and I'm not able to adjust the payment day or paid previous payments that is due on the date they want what I'm late on and interest fees and everything I could upload all the statements and documents I have from the app I could download it or send an email And then my credit score has dropped almost 300 points from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Reopen my store credit card immediately. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Open Date : XXXX XXXX XXXX Closed Date : XXXX XXXX Credit Limit : {$500.00} Last Payment Date : XXXX XXXX XXXX This credit card was mistakenly closed and flagged as fraudulent by mistake. Please reopen this account immediately. I have attached supporting documents proving that I am the owner of this account.

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 2024-11-28 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: AL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 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!

Update 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 2024-11-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and 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 explanation
Consumer complaint received 2024-11-28 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: UT

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the following accounts that were fraudulently added to my credit file. As a victim of a data breach, I did not authorize these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33000.00}

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 2024-11-28 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-28 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: AL

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 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 2024-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2024-11-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an account with Citi Card which is on payment plan for 48 months and payments deducted automatically from my checking account. When the program started apparently there was a payment due and instead of making the payment thru my deductions they continued to mark my credit late 30 days monthly for 8 months. I had to make and extra payment when I was already in a payment plan. They should have deducted the amount that they considered late and not ruined my perfect credit. How can a payment be 8 months 30 days late doesnt make sense? I want the credit corrected to never late and taken off my credit report because I have made all my payments on time since we started on the payment plan from my automatic debit card.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report as a result of identity theft from a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the removal of the following accounts and inquiries from my credit file : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-28 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management severed my door step not a human body in my household. They left papers on my door I retrieved due my information being out in the open. XXXX of XXXX, the door step papers that were severed were papers for me to appear in court, I appeared in court they did not show up. I filed a court motion asking them to show me what contracts I had signed with them in order for me to pay this debt. No contact was made. Fast forward to XXXX of XXXX they tried to seize my garnishments with my company. My company set a payment plan, had them take out a certain amount. Wages were paid off in XX/XX/XXXX. Midland Credit Management still says on my credit report I owe these wages. Which is false. They were paid through my employment wages. Ive deputed it several times to remove it, they refuse and continue to dig my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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 previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2024-11-28 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: CA

Complaint narrative:
Went on Transunion and discovered that there was a XXXX Loan opened on XX/XX/year>. I do not claim and reporting this as fradualent actiivity. The reported balance is {$1300.00} and have reported and submitted a calim to TransUnion.

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 2024-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX Appliance, charged off/settled in 2020, and have been claiming Ive missed payment for payments 4 years after the account was closed. After numerous times Ive reached out they have tried to extort money from me, and after I refuse they add changes to my credit report in order to keep something closed relevant. This has not only been damaging to my credit but has been a contribute factor to my personal growth, Ive tried working with them, but they have been extremely difficult, rude and unhelpful. Also the original loan amount was for {$2100.00} and it turned into over {$3700.00}. It was for around 2 years around {$4800.00} which is over double of the amount, which I confronted them and was unsuccessful. After using a credit team to try and solve this mess, they lowered it on my report, which proves they have no idea what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to seek your urgent assistance in resolving a persistent issue with accessing funds in my American Express High-Yield Savings Account. Below, I have detailed the situation, which has caused me significant distress and financial hardship.

Timeline of Events Account Opening and Deposit ( XX/XX/year> ) : I opened a savings account with American Express and deposited approximately {$68000.00}. 
Since then, I have earned monthly interest on the balance. 
Attempt to Withdraw Funds ( 3 Months Ago ) : I urgently needed to withdraw my funds but encountered technical issues. 
I contacted American Express, and they informed me that I needed to notarize my identity using a form they provided. 
First Notarization Attempt : I completed the notarization process with a local legal notary and submitted the documents to American Express. 
American Express rejected the notarization, stating I must use their specified online service, XXXX. 
XXXX Issues : I scheduled a meeting with XXXX, but the session was interrupted due to a disconnection.

When we reconnected, I provided my Social Security Number, but the notary claimed it was incorrect despite my verifying it directly from my official card.

The session could not proceed further, and I was told to reschedule.

Subsequent sessions were missed by XXXX, and when I contacted them, they informed me they would not notarize my documents and had relayed this decision to American Express. 
Continued Efforts : I attempted another local notarization and submitted the documents to American Express. Again, they rejected it, insisting on XXXX. 
XXXX, however, has refused to provide their service, leaving me stuck in a loop with no resolution. 
Escalation Attempts : I have spent countless hours on the phone with American Express representatives, but they repeatedly insist that XXXX is the only option. 
No alternative solution has been offered despite XXXX 's refusal to assist me. 
Current Situation My funds remain inaccessible, and I urgently need them for personal and financial reasons.

No notarization was required when depositing the funds, yet I am now being subjected to a convoluted process to withdraw my own money.

Despite my best efforts, I have been unable to get assistance or clarity from American Express or XXXX. 
Request for Assistance I kindly ask for your help in resolving this matter. I believe the requirements being imposed by American Express are unreasonable and have left me without a viable path to access my funds. I hope you can intervene to ensure the release of my funds and prevent further undue hardship.

Thank you for your time and attention to this matter. Please feel free to contact me if additional information or documentation is required.

Company response to consumer: Closed with explanation