vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security 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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I mailed in a cashier 's check in XXXXXXXX XXXX XXXX in which they cashed at the end of XX/XX/year>. Since then Citi Bank Costco Card has not applied the payment to my account. They continue to request a payment when one was mailed to them. I even mailed a copy of the processed check showing that they cashed it and they still will not post a payment. I've launched payment investigations with them and they will not respond back with any results.

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 monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information I am seeing on my report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

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 2024-06-18 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: VA

Complaint narrative:
My account with ( XXXX, XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING 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 XXXX  days before the payment due date. 


( XXXX, XXXX XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My account with ( XXXX, XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING 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 XXXX  days before the payment due date. 


( XXXX, XXXX XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I called Venmo regarding two pending transactions. Both charges are from XX/XX/2024 and XX/XX/2024. I was advised the transactions were pending because XXXX did not release the charges. I was advised to call XXXX. I immediately called XXXX that stated they would investigate the issue. On XX/XX/2024 that the charges were released for payment immediately and to call Venmo back and ask for a supervisor. I called on the XXXX XXXX, not speaking with a supervisor, but a specialist. This person was curt and flippant with me, indicating it takes 30 days for pending charges to drop off. I call back today, XX/XX/2024, speaking with a supervisor who stated he would listen to the call and transfer me to the correct department that could reverse the charges. After sitting on hold almost 5 minutes, the call was disconnected. I decided not to call back because theres many prompts in order to even get to a rep. I took to social media ( XXXX  ), and sent a message at XXXX EST to the support account. I have yet to hear anything as of the filing of this complaint. I also had sent an email on XX/XX/2024 and have not heard back via email either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a Capital One credit card. Someone who was living in my household ( former foster child ) used this card without permission and signed up for a XXXX subscription ( I believe it is called a Dash Pass ). This subscription continues to charge the card monthly and no matter what I do, I can not make it stop. We have reported the subscription as fraud, but it returns again the next month. We have gotten a new card, but then Capital One gives XXXX ( and other recurring charges ) the new card number to keep the subscription going. We have called XXXX, but they claim they can not find the charge because I don't have all the information about the subscription. In the meantime, I am charged month in, month out. 

My primary complaint about this situation is : why does a credit card company continue to give the new card number to the firm with the fraudulent subscription without my permission? It is as if I reported a card lost or stolen, but then they contacted the XXXX and gave them my new card number. This practice needs to stop. 

I will have to end my relationship with Capital One. But I doubt I'll ever see those 12 months of charges back, even though I've been fighting this for most of that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
There were a host of inquiries filed on my report without my concent I havent applied for credit from any of these companies I need these inquiries deleted now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There were a host of inquiries filed on my report without my concent I havent applied for credit from any of these companies I need these inquiries deleted now

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 2024-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I just received two letters from Aidvantage and they are telling me that I am delinquent in my payments but I have never been contacted by them since XXXX. I was then told that another servicer, XXXX, had my loans from XXXX until Aidvantage received them in XXXX of XXXX. The agent said that they had the wrong email address and this was the only way they tried to contact me since XX/XX/XXXX- XX/XX/XXXX. Why were letters not sent for 2 years? Why did you only try to contact me via email when you knew it was being sent back? I'm not paying extra fees for this company 's mistakes. My wife has known her loan servicer since she started taking out loans. Why am I just receiving this information 2 years and a delinquency later? If you want to get technical, 8 years later. Thank you so much, XXXX and Aidvantage for making life even more difficult than it ever needed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had scheduled a same-day ACH that was to be delivered on the next business day. Chase called me in the morning, apparently needing to verify my identity, and I missed their call. I called back within minutes, and was told that the agent cancelled my ACH and that I needed to re-place it. Luckily it was about XXXX EST or so I was still well within the same-day ACH timeline. I re-placed the ACH and the agent made a note that I already verified my identity with her. XXXX and behold, hours later another agent calls, and I miss the call. They call minutes before Chase 's ACH cutoff. I, again, call back immediately, but am on hold for over 30 minutes. This time, the agent put the transaction on pause, with a delivery date of XX/XX/XXXX ( as expected ). I speak with the agent, they validate my identity a 2nd time, and state that the ACH will go through in the next batch, still hitting on XX/XX/XXXX. The day ends and it never goes through. It is delivered on XX/XX/XXXX without any explanation on the multiple touch points of mismanagement by Chase. This date issue causes multiple issues with payroll and requirements by the bank this ACH was being sent to and is why I made sure, multiple times, that the date was completely correct, spending hours on the phone with Chase over a minor issue.

To add insult to injury, I ask for a manager to look into the issue as no one could tell me what happened. A manager never calls me, yet closes the case that was opened ( XXXX ). No notification whatsoever. I then open a new case and, of course, no manager has called me within the stated timeline despite multiple follow-ups. This is not my case to continuously follow-up on nor should this issue have ever happened to me. New case is XXXX. 

Chase, please refund the fees associated with the late ACH that I did not agree to, explain what happened in the above, and explain why multiple managers have failed to call me when I have raised this more times than I ever should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my 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 non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my 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 2024-06-18 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX, BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR XXXX XXXX XXXXXXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT XXXX DIRECTLY. APPARENTLY THIS HOME IMPROVEMENT LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU

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 2024-06-18 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX, BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR XXXX XXXX XXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT XXXX DIRECTLY. APPARENTLY THIS XXXX XXXX LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX, BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR XXXX XXXX XXXXXXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT XXXX DIRECTLY. APPARENTLY THIS XXXX XXXX LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU

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 2024-06-18 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation