vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Deposited a check for XXXX XXXX Check was first held from the XXXX of XXXX to the XXXX. During that time they locked our account for suspicion of fraudulent activity. We sent in the papers they required from us on the XXXX, during which they said it can take up 5 to 10 business days for the tax department to fix our account. It has been 10 business days and our account is still restricted, and we have to pay our rent late because of this. We called multiple times and they said all we can do is wait since there is no contact with the tax department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Due to XXXX XXXX and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: LA

Complaint narrative:
KIKOFF whom which is a credit building online resource that help consumers BUILD credit has violated my rights of shared personal information to the major credit reporting agencies, this company has reported a late payment in which deteriorated my credit score by over XXXX points. 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. Please remove this tradeline from occurring on my consumer report ( XXXX ) as I have not received proper correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX and XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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:
Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX XXXX XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.

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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XX/XX/23 Western Union is violating the Equal Credit Opportunity Act by being discriminatory against me accessing my own funds from my own account. 

I have given them all the documentation they have requested but they have banned me for life in a discriminatory way. 

They have given me no reason why they will not let me access my own funds nor why I am banned for life. This is clearly discriminatory. 

Please investigate this and not just pass their reason along. You are here to protect me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Prince Parker & Associates
State: MI

Complaint narrative:
PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX NC XXXX contacted me via phone repeatedly after the attached C & D was sent and evidence received by the signed USPS certified card shows they have knowledge of it which they previously told the cfpb they did not. I want the debt validated. Two credit reporting agencies accept XXXX have removed this because I showed them this evidence. The cfpb has not done their job and neither has this creditor to follow the laws. If the that is not validated within the next five business days by USPS mail and if they do not stop contacting me I have all the evidence to pursue legal action and collect damages by law. I'm also not required to communicate with them via email or provide them my email address as I am harassed enough by them I don't need any more harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prince Parker & Associates
State: MI

Complaint narrative:
PRINCE PARKER AND ASSOCA XXXX XXXX XXXX XXXX XXXX, NC XXXX has been on my credit reports for months. XXXX and XXXX have removed the debt as Prince Parker has refused to send me a validation of debt per my letter to them. XXXX XXXX is the only company not respecting the laws and cease and desist despite numerous attempts along with Prince Parker. I've attached the signed certified green card from PP showing they did receive my letter AND the letter attached to XXXX XXXX to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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:
Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX and XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I received an email from USAA that if I did not use my credit card, which I have not used in three years, they would close my account. My understanding is that a closed credit card account will reduce my credit score which, at that time, was over 800. For that reason, I spent approximately {$5.00} on the account to keep the account open. 

USAA, unlike every other credit card I own, never sent me a notification that my bill was due and then past due. While it is not their responsibility for me to pay my bills on time, I have 18 years of perfect credit history overall and 11 years with them, including car insurance always paid in full and on time. 

Nevertheless, they submitted this {$5.00} charge late. Notably, I have a little over {$7.00} in rewards that would have covered it as well as money in both my savings and checking account that would have covered it. Yet, they reported this {$5.00} charge as late. I was only notified by my credit reporting agency when my score dropped 70-86 points ( depending on the credit agency ). 

I immediately sent a letter to USAA asking them to remove it. While the information is correct, the consequences do not reflect my credit history with them or with any other company. Furthermore, I anticipate that the reporting is automatic and was hoping to get a human to review the account and see how unnecessary it was to report because there were at least 3 different way ( rewards, checking, and savings ) that the card could have been paid. They denied my request so I called and again my request to remove the information from my credit report was denied. 

While the information is correct, it is an inaccurate reflection of my credit history and the consequences are also not commensurate with my credit history. Therefore, I am hoping to get someone to look at my account to recognize that it should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
A fee of {$140.00} was made on a subscription that I did not allow. I emailed the company to refund the fee. Amex would not contest it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing this formal complaint to bring to your attention Experian 's failure to provide me with my credit reports by mail, as requested in accordance with the Fair Credit Reporting Act ( FCRA ). I believe this conduct is in direct violation of the FCRA and has caused undue inconvenience and concern.As a consumer, I have the right to access my credit reports from each of the major credit reporting agencies, including Experian, free of charge once every 12 months. In adherence to the FCRA, I made a written request for my credit reports from Experian via mail on XX/XX/2023, XX/XX/2023, using the address provided on their official website for such requests.Despite my request being made in accordance with the FCRA guidelines and providing all necessary identification information, Experian has failed to fulfill my request. As of today 's date. I received an email stating that could not adhere to my request via section 611 ( a ) ( 3 ) ( A ) of the fair credit reporting act. I am simply asking Experian to mail me my credit 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 2023-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I was sent an email from the debt agency in which they are not the original debtors. I asked them for written validity and verification of this debt they saying I owed and I dont receive anything and not they have reported to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. 

I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. 
I have supplied appropriate proof of your identity to the CRA. 
I have supplied the identity theft report from a federal, state, or local law enforcement agency. 
I have identified the faulty information on the credit report. 
I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. 
EXPERIAN has failed to follow these regulations set by the Federal government.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/2023 I disputed that there are inaccurate accounts on my report that need to be deleted immediately. 2 collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) 2 closed accounts ( XXXX  XXXX ). I'm pursuant to the FDCPA and FCRA SECTION 15 USC 1681 ( a ) ( b ) and Section 15 USC 6802...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Credit bureaus stated that my account was properly investigated but how is that possible if the balance is in accurate, open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate ( please see attached credit report ). This is ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigations here is my certified mail tracking number. XXXX XXXX ; XXXX XXXX ; Equifax XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is XXXX XXXX I received a call from Bank of America while at work in XXXX MA stating that my XXXX account was being used so they needed me to verify if I made the transactions. I said no I didnt he gave me a reference number and told me as a BOA rep he would contact the 3rd party XXXX and we needed to send the money to the email XXXX in my name to hold the money for 24 hours and block the account so that whoever was trying to get the money in Connecticut could not. Well all this was a scam it was not the bank and my account balance is {$0.00} a claim was placed but they wont guarantee Ill get my money back, {$2700.00}. 

I just survived XXXX for the 2nd time, I am newly XXXX  and have a young child. I really need some help recovering my money. The existing claim number I was given is XXXX. If anyone can help me I would greatly appreciate it. 

XXXX XXXX ( maiden name on file at BOA ) 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 monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
on XX/XX/23 I recieved a transfer of {$50.00} from my son 's vemo account to my XXXX account. I then did a instant transfer from my XXXX account to my valid chime account ( account ending in XXXX and card ending in XXXX ). My {$50.00} transfer from my XXXX account never made it to my Chime account. 
I contacted XXXX and XXXX research it for me. XXXX sent me some info ( see attached docs ) and said it made it to Chime ( never did ). 
I contacted XXXX ( manager at Chime call center ) XXXX said it was venmos problem. I contacted XXXX again and they said it's Chimes problem. I will escalate to XXXX  and attorney General if I don't get my {$50.00} transfer. Someone has it and it's not me!!!!!

Company response to consumer: Closed with explanation