vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: NV

Complaint narrative:
I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with Experian, XXXX, and XXXX several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX Loan was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on Experian, XXXX, and XXXX after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I tried to log in to make a payment on my XXXX  credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX  The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XX/XX/2023, I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXXXXXX XXXX support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score XXXX XXXX XXXX XXXX XXXX XXXX, which then caused the XXXX to lower the credit limit on the XXXXXXXX XXXX XXXX  by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX XXXX XXXX XXXX ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I tried to log in to make a payment on my XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX. The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XXXX XXXX XXXX I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXX XXXX  support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX XXXX ), which then caused the XXXX to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX by XXXX XXXX  ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX  error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX  down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I tried to log in to make a payment on my XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XXXX XXXX XXXX I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXXXXXX XXXX  support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX points ), which then caused the XXXX to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX by 25 % ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the XXXX major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: SC

Complaint narrative:
A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: SC

Complaint narrative:
A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX. This inquiry is Inquiry :XX/XX/2023. Not mine I - Demand it be XXXX. REMOVED 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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to express my extreme dissatisfaction with the recent delay in posting my payment to my Capital One credit card account. On XX/XX/2023, I made a full payment of {$550.00} with my checking account I normally use. However, I was informed that the funds will not be released until XX/XX/2023, resulting in a six-day delay. 

This delay is unacceptable and unfair. My payments to this card, issued by the same bank I used for payment, typically post within 24 hours. This sudden and unexplained delay is not only inconvenient but also raises concerns about the reliability and efficiency of your system. 

This delay have negative consequences for my credit score and even cause late fees on other accounts linked to my credit card. I have not been able to buy food, pay my bills or buy my medicine due to this. It is unacceptable that paying my bill in full, through your own systems, could lead to such penalties. 

I request immediate action to expedite the posting of my payment and ensure this issue does not occur again. I expect a clear explanation for the delay and a confirmation that no late fees will be applied to my account as a result of this error. 

Furthermore, this incident has significantly eroded my confidence in Capital One as a credit card provider. The inconsistency and potential risks associated with delayed payments are extremely concerning. I urge you to address this issue and provide assurances that such delays will not be a recurring experience for your customers. 

I look forward to a prompt and satisfactory resolution to this matter. Please feel free to contact me at to discuss this further. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
XXXX XXXX credit card was not made by me. Theres an outstanding balance there under my name which im not responsible for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has failed to handle my automatic payments for my XXXX XXXX XXXX XXXXXXXX on a timely manner due to their own faulty payments systems and broken website. Every month since I made the initial purchase in XX/XX/2023, they have failed to auto-debit my bank account for my monthly payment and have sent collection notices stating that I'm past due. I have had to call Synchrony directly every month to make the manual payments due to broken email links and the inability to log into my account at XXXX XXXX XXXX Every customer service person I've talked to has insisted my bank details must have been wrongly entered and that it's my fault that payments are being received late. This is despite having a Synchrony account representative manually enter the bank and routing number directly back in XXXX and receiving assurances from him that I would no longer have any issues after he confirmed my bank information and a payment finally went through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Inquiries were made without my authorization I have filed a FTC report. 
FTC report # XXXX The followings inquires were not authorized ; 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Recurring ACH Debit Dear Sir/Madam, I am writing to formally file a complaint regarding an unauthorized recurring ACH debit from my bank account. Despite multiple attempts to resolve this issue with my bank, TRuist, they have not taken appropriate actions to address my concerns. 

The details of the unauthorized transaction are as follows : - Transaction Amount : {$38.00} - Monthly - Most Recent Occurrence of the XXXX - Bank Account Number : XXXX I have contacted the bank multiple times stating that I did not authorize these charges. Despite my clear request for them to stop this recurring debit and issue a credit for the unauthorized transactions, my request has been repeatedly ignored or denied. 

I request the Consumer Financial Protection Bureau to : XXXX. Investigate the unauthorized XXXX transactions debited from my account. 
XXXX. Ensure that [ Bank Name ] stops any further unauthorized debits immediately. 
XXXX. Secure a refund of all unauthorized charges debited from my account, totaling [ Total Amount Disputed ]. 
XXXX. Investigate the practices of [ Bank Name ] in handling such disputes. 

I trust that the Consumer Financial Protection Bureau will take prompt action on this matter. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Please make sure to replace the placeholders with your specific details. Also, it's advisable to send this letter via certified mail or another trackable method to ensure it is received and to keep a copy for your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: GEM Financial
State: NE

Complaint narrative:
REM financial is not willing to give me any information about my collection. I have called multiple times to try to get the matter resolved and they will not give me any information and suggested I get an attorney, I also was threatened with a law suit over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CHECKredi of Kentucky, LLC
State: VT

Complaint narrative:
Every XXXX days I receive a text message that says ; we are attempting to reach ( my name ) regarding your gas payment account 's. We can help you get reactivated. Simply respond to this text message to chat with one of our agents or call XXXX. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Thanks, XXXX XXXX Checkredi Also it was from XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation