vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: EQUIFAX, INC.

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not FIX these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I open my Care credit account for the purpose of taking care of medical bills and medical fees. Purchases were supposed to be interest free until the promotional balance expired- if there was an expiration on those purchases. CareCredit has not been forthright with payments I made to them I've made multiple payments within the same month sometimes over the course of my account opening. Those payments were to be made towards the promotional balance on my account. The website does not allow consumers to pay towards those promotional balances and it is an inconvenience to call customer service to do so when there is a website available. Upon calling an agent, the services do not allow you pay towards promotional balances either, you must be routed to a customer service agent. I also noticed on my personal profile on the website all of the promotional balances are not listed. Rather they are expired, or terminated. The payments that I've made over the course of a year were supposed to be applied to the promotional balances specific to the listed dates. I applied for those credits to be applied over the phone today. Had those payments I made towards the promotional balance been applied I would not have been charged the high interest rates that exceed the balance on the promotion owed. CareCredit has been decitful in their tactics on listing all promotional balances and I want my card payment security fees waived for the course of the contract term if my application is not approved. There is no point of being charged for a service that was not utilized and therefore should not reflect in the rates and charges on my account- regardless to the terms and conditions, the practice is unjust especially when it effects the balance on the account. The promotional balance does show up on the statements but it does not show on the websites mobile or desktop. The agent could not explain why or rectify the issue. 

This has caused the card to be over the limit and it is effecting my credit score. Had the payments been applied to the promotional balance the intrest on the promo balance wouldn't be so high ; resulting in me being entrapped with high interest rates.

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 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal blocked my access to my account and my money. Without any agreement with me they created some additional obstacle to prevent me the access to my account and my money. PayPal made up the false request in order to let me access my money I have to provide the credit card number that I do not use and do not have with ending " XXXX ''. Print of the page is attached. When they provided another option to get a code on the phone it was also failing, didn't send a code claiming that something went wrong. It was set up to fail that it didn't work either. I conclude that they intentionally locked my money. It happens not just for the first time. It was happened before not just one time. I lost my trust to PayPal completely. They do not learn their lesson. It is not my first complaint and PayPal never was held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: CA

Complaint narrative:
XXXX, XXXX, & Equifax are reporting the account listed as XXXX Account # XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: CA

Complaint narrative:
XXXX, Experian, & XXXX are reporting the account listed as XXXX Account # XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-28 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: GA

Complaint narrative:
This COMPLIANT is a request to investigate the accounts listed below in my credit file. Credit bureau NOT DOING YOUR JOB to investigate and remove these accounts in my credit file. Until now they are reporting in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I recently applied for an American Express XXXX card and was denied. I received the Adverse Notice to my email. The reference # is XXXX. This factors on the adverse notice are discriminatory and violate the Equal opportunity act. I provided my social security number to extend credit based on law 15 USC 1602. My social security number has already funded this transaction the moment my credit was ran. According to 15 USC 1411 & 15 USC 1611, I have a right to my unlimited credit and any withholdings to my securities is securities fraud and violates the Consumer Protection Act. You can not run my credit and not provide a benefit to me via 15 USC 1602 ( P ), means a use of a credit card also as in my SSN by a person other than a cardholder who is me does not have an actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Signed ALL CAPS ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: CT

Complaint narrative:
I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. 
It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 
XXXXXXXX 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 2024-06-28 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: CT

Complaint narrative:
I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. 
It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 
XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: GA

Complaint narrative:
I an following up on with XXXX, XXXX, and Equifax to update my personal information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has acknowledged that the account reported by XXXXTransUnion has been settled and closed paid/ Never late. We request XXXX/TransUnion to accurately reflect this updated information on the credit report. 

Furthermore, XXXX XXXX XXXX XXXX is being accused of engaging in corporate malfeasance, including detrimental credit reporting practices and the unauthorized repossession of a vehicle owned by the consumer. While the account in question has been closed, the inaccuracies surrounding the incident have not been rectified. 

In addition, it should be noted that I have not previously raised this issue with XXXX. This communication serves as formal notice that inaccuracies present in the credit report are adversely affecting the consumer. Despite being aware of the disputed nature of this account and its involvement in legal proceedings, TransUnion has persistently maintained the erroneous reporting. 

I am hereby requesting a compensation of {$3000.00} for the harm caused by these inaccuracies. Failure to address this matter adequately will compel me to seek redress through appropriate legal channels, utilizing this communication as evidence to support my claim.. 

Furthermore, it is imperative to highlight that TransUnion 's actions may be in violation of the U.S. Code concerning late payments, specifically 15 U.S. Code 1666b. This violation is pertinent as the transaction in question was conducted using a credit card and a negotiable instrument. Such non-compliance with federal regulations further underscores the gravity of the inaccuracies in the credit reporting system and their detrimental impact on the consumer. 
TRANSUNION CONSIDER THIS YOUR OPPORTUNITY TO CURE

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 2024-06-28 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: FL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-28 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:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX Balance : {$2000.00}

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 2024-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a phone call from someone impersonating a representative from WellsFargo Bank. They said that I had Fraudulent activities on both my checking and savings account. I believed them since this has happened before and turned out to be true. So the representative asked me if I traveled to XXXX and I said no. He also claimed that there were four flagged Fraudulent amounts on my account. He proceeded to tell me that they might have access to my account and know my routing number and account numbers so I need to change my username and password. He sent a Wells Fargo message saying to put my username and cancel. I did. He sent another Wells Fargo message, but this time, it said put my password and cancel. I told him that I dont know my password since its saved on my phone. He gave me a temporary password so I can get into my account. So the representative told me that I need to make a wire transfer of money from both accounts to new accounts. I proceeded to send my checking account money to the new account and I was moving the {$13000.00} from my savings account to the new account also, but I made a mistake and put {$1300.00} only. It was canceled. I tried to send the {$13000.00} three times, but it wouldnt allow it. The representative told me that he was going to send me a new debit card since my accounts were supposedly compromised and to go to a bank and take out {$13000.00} from my account so I can transfer it to my new Debit card. I went to the bank and withdrew {$13000.00}. The representative gave me the debit card to put it on XXXX XXXX. After I did, I tapped the phone to the ATM tap and deposited the {$13000.00} into this Fraudulent debit card that I thought was mine. After an hour, I called Wells Fargo to see my progress and thats when I saw that it was Fraudulent. Even thou i sent in a substantial amount of evidence that i was frauded, WellsFargo refused to refund me.

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 2024-06-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-28 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: LA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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