vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXXXXXX 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

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 2024-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: South West Recovery Inc (CA)
State: NJ

Complaint narrative:
I have been receiving a ton of calls per day from XXXX. I have a total of 155 calls in the past 30 days. I am receiving more than 7 calls a day within a 7 day span. It's completely spamming me and i have had to use my cell providers service to try and block the non stop spamming to my number. You will see that in some instances i get multiple calls within seconds of each other so the minute looks the same on timestamp but thats how many times they are calling even within 60 seconds! I will include screenshots of my call log just in the past two months, this has been happening for well over 3 months now. this is the company : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts needs to be deleted from my credit report as soon as possible ; DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts needs to be deleted from my credit report as soon as possible ; DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .

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 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I'm in the process of getting my ex-wife removed from the timeshare deed that I'm also trying to get canceled. Now I'm in collections and it's thrown a wrench in everything. I asked for them to validate the debt which they've failed to do. Blackwell needs to return the debt and move onto someone else. I've just changed jobs after being laid off and I need this off my plate. I intend on working this out with XXXX which I was in the middle of before Blackwell got involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
Reporting of illegal lates per U S Code 1666B and U S Code 1681B. I've requested on several occassions that these accounts be removed immediately or updated to paid as agreed. They're also in violation of. U S Code 6801 Protection of non public personal.

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 2024-06-26 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: TX

Complaint narrative:
Reporting of illegal lates per U S Code 1666B and U S Code 1681B. I've requested on several occassions that these accounts be removed immediately or updated to paid as agreed. They're also in violation of. U S Code 6801 Protection of non public personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

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 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
I have reviewed my credit report and there is unauthorized inquiries on my profile- I have never applied for all the inquiries I have on my file. please see below - XXXX Inquiries - 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 TRANSUNION 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26 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: FL

Complaint narrative:
I have reviewed my credit report and there is unauthorized inquiries on my profile- I have never applied for all the inquiries I have on my file. please see below - XXXX Inquiries - 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 EXPERAN INQUIRIES - 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 XXXX XXXX XXXX XXXX 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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear Paypal, I am writing to formally request a refund for a charge made to my credit account for a service on XXXX that I neither subscribed to nor used. The charge in question was unauthorized. On the same day and within the same hour I noticed the transaction, I contacted your customer service department to report the fraudulent charge. I expressed my concern and requested an immediate resolution. Following my report, I contacted XXXX directly to cancel any services that may have been erroneously linked to my account. I have provided your team with documentation confirming that I requested the cancellation and did not authorize the charge. During my investigation, I discovered multiple reports and complaints from other customers indicating that XXXX has a history of charging users ' cards without proper authorization or consent. I shared this information with your team to highlight the fraudulent nature of the charge. Despite my efforts and the evidence provided, your institution processed the charge for XXXX, forcing me to temporarily pay to avoid incurring interest, which has caused me significant inconvenience and financial strain. I felt coerced, the payment made was only temporary to avoid further financial penalties, even though I do not agree with or acknowledge the legitimacy of the charge.

As a longstanding customer with a credible history, I expect my financial institution to protect my interests and address fraudulent activities promptly and effectively. Failing to do so is a disservice to your institution, as you may not be aware of the number of customers who stand behind me. I am asking you to reimburse the full amount of the unauthorized charge to my account and to implement measures to prevent such incidents in the future and ensure that your customers are protected from unauthorized transactions from companies like XXXX. I trust that you will treat this matter with the urgency and seriousness it deserves.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion refuse to remove account off my credit report that is do from Id theft they also still reporting inaccurate accounts with out my written consent I contact transunion 5 to 10 times a day and yet they has did anything dishonoring my police report and ftc reports on the account and questions I ask for the account to be removed and block transition refused to do any thing but causing financial harm and stressed and my living saturation transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX DID NOT NOTIFY ME OF THE DEBT IN MY NAME ALSO REFUSED MY FTC REPORTS STATING THAT I DID NOT LIST THE ACCOUNT ON MY FTC REPORT THEY RECIVE MANY REPORTS BUT FAIL TO ACCEPT THAT I WAS A VICTIM OF ID THEFT. VOILATING MY RIGHT I ASK THEM REINVESTAGATED THE DEBT CODES BEEN VIOLATED AND RULES WAS IGNORE WAS NOT PROPERLY NOTIFY OF THE DATE BEFORE ADDING ON MY CREDIT REPORT. WHEN ASK FOR VAILDATION THEY SENT ME A STATEMENT OF PURCHASES I DID NOT MAKE not accurate DOCUMENTS SHOW ME WHERE I SIGN OR THEY GAVE ME XXXX THEY HAVE YET TO SHOW ME I TOOK OR THEY GAVE ME ANYTHING. THIS COMPANY IS NOT APPLYING THE FRCA RULES FAILING TO REMOVE THE ACCOUNT FROM ALL REPORTING AGENCY .TRANSUNIONS AS WELL SATING AS XXXX XXXX XXXX XXXX  REFUSED ME OF MY RIGHTS UNDER THE FCRA SHE SAID HER BACK OFFICE TRANSUNION DID NOT ACCPECT MY FTC OR POLICE REPORT CAUSING FINANCIAL HARM AND DEFORMATION OF CHARACTER CAUSING ME BE DENIAL FROM HOMES CARE THE ACCOUNTS THEY REPORTED HAS BEEN REMOVE FROM THE ACUTAL CREDITOR BUT TRANSUNION STILL COMING SAYING THEY VERIFY PROOF. when it. from id theft,

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 2024-06-26 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: IL

Complaint narrative:
the company website was down on the XXXX to make payment, called XXXX  they informed you will be fine if you make payment by XXXX by XXXX i have attached copy of my payment that was done before the time, called XXXX to make sure that my account was not reported late since they took the money out onthe XXXX i have attached payment conformation, i called them yesterday the account manager stated your payment was on time and you will not have no late payment reported, this am i see they reported in all the three bureaus late, they need to remove the late payment on my report or remove my account i dont want to do business with dishonest companies, i have a right to opt out of reporting if its unfair and unjust.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
the company website was down on the XXXX to make payment, called XXXX they informed you will be fine if you make payment by XXXX by XXXX i have attached copy of my payment that was done before the time, called XXXX to make sure that my account was not reported late since they took the money out onthe XXXX i have attached payment conformation, i called them yesterday the account manager stated your payment was on time and you will not have no late payment reported, this am i see they reported in all the three bureaus late, they need to remove the late payment on my report or remove my account i dont want to do business with dishonest companies, i have a right to opt out of reporting if its unfair and unjust.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This card in question was opened without my authorization, using my partial personal information to obtain benefits, despite having a freeze in the credit bureaus and a red alert for identity theft fraud victim in the past. 
The phone number a email address do not match my current contact, as well as my legal name, mailing address, bank account information and other information used for the purpose of obtaining, collecting and receiving benefits from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
the company is furnishing old information as newly attained, most information isn't mine or incorrect. I also have never given them consent to furnish any negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My account was locked as a result of a XXXX payment that I authorized. 
This was only the second time using XXXX for me. 
I called to authorize this, provided my information, and the account was further locked. 
I was told to call a local branch, and when I did they directed me to the XXXX  phone line, which I had already called. 
I called the XXXX  line again, provided my information, and was told there was nothing I could do, except go in person. 
I live in AZ as of XX/XX/XXXX, and moved from XXXX, which is where physical offices existed. 
I have since called a local branch again, provided them with info, validated my account, and still not been granted access to my funds. 
My funds have been kept from me for 23 days and no one has given me an option to help, aside from flying to a brick and mortar bank. 
This is unacceptable and I want access to my funds so I can close my account. 
I have been with Truist since XXXX when it was SunTrust.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had wired money XXXX from myself account of XXXX XXXX XXXX to myself account in Chase checking ( XXXX ), but it is rejected because Chase think that it is suspicious and fraud as attached. XXXX XXXX XXXX  has contacted Chase for many times, but the wiring still rejected and return back. I had went to Chase XXXX XXXX fo

r three times. I had made an appointment with XXXX XXXX XXXX XXXX, on XX/XX/scrub>XXXX XXXX, 2024, but she was not there without early notice and apologize to me, and no results.

I made an appointment with XXXXXXXX XXXX XXXX XXXX on XX/XX/year>2024 again, but she didnot supply any service to me. XXXX XXXX XXXX refused any service from this branch to me. I had filed complaints to Chase, but no any results.

Chase closed my checking, saving account, and credit card, the emails showed that it is " To help protect against fraud, we restricted and may need to close your account soon '', but I received the mail from Chase that it is " inappropriate conduct with our employees ''.

I am confused about different reasons, and the behavior of Chase branch employees are very bad.

Currently, my checking saving account and credit card were closed by Chase.

Company response to consumer: Closed with explanation