vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I was originally issued XXXX {$500.00} pre-paid debt cards ( total of {$2000.00} ) by XXXX XXXX XXXX  on XX/XX/year>. Upon my attempt to redeem the amounts today, my previous digital wallet to PrepaidDigitalSolutions was instead redirected to XXXX, as the cardholder website has changed to XXXX ( or perhaps was sold to XXXX- this part I do not know ), so I was automatically redirected to XXXX XXXX XXXX I attempted to redeem my XXXX cards with the digital wallet codes I was originally provided ( excluding the codes here in accordance with your guidance above to not include personal information and account numbers ). 

The website indicated that these prepaid cards had expired and the balance could no longer be used. I was under the impression that the CARD Act provided protections up to XXXX  years for these types of cards, so I called the company asking if this was in error - and if they had expired, if I could have new cards issued so that I could access my balance. The business explained that it was against their internal policy to reissue cards, that the balance could not be accessed and was thus lost. 

Obviously, this is deeply frustrating. I'm not a person of means, so {$2000.00} is important to me. Granted, I could have used the funds more quickly- but I was under the impression that I had years to use these funds and thus treated the balance as XXXX savings that I could access at a later date when I needed the funds. 

If any additional information is needed I'm happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 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 60 days 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 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 8

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 2024-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
My insurance was supposed to pay and for some reason it did not, and I have since had several other insurance companies I have belonged to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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:
Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I can't access the statements. nor the information about my loan. This bank does not provide them to me. I made a previous claim. I do not have access to those documents that they sent. They do not provide me with the correct information about my payments and they charge me surcharges

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
This account is being fraudulently and inaccurately to my credit report. Identity Fraud is a Federal Crime and punishable up to {$5000.00} or prison time or both.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reported errors on my credit report at least 3 time this year, the latest being XX/XX/year>. I submitted the requested information as requested by Equifax according to their letter dated XX/XX/year>. My full name is XXXX XXXX, XXXX and I submitted legible copies of my driver 's license and social security card to the address their letter told me to submit to : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. 
Today, XX/XX/year>, I received XXXX separate letters from Equifax Information Services LLC, XXXX XXXX XXXX, XXXX GA XXXX with incorrect information, stating that " you recently contact us because you may have been a victim of fraud or identity theft and have included a copy of Remedying the Effects of [ ID Theft ''. I did not!! The other letter, both ltrs. were dated XX/XX/year>. However, the 2nd letter, XXXX XXXX XXXX, XXXX, GA XXXX indicated " that they received my request concerning inaccurate information on your Equifax credit file. We were unable to locate a credit file in our database with the identification you provided ''. They were asking for the same information that i provided several times. I have never lived in Georgia, and it appears that they are shifting the information that I sent them and never, never seem to correct the proper information. This is the only Credit Reporting Agency that does this. Please help get this cleared once and for all. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: IN

Complaint narrative:
I do not have a contract with the current creditors. Please remove the following accounts from my credit report.

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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Hatfield, Inc.
State: IL

Complaint narrative:
I owe {$100.00} to Grid/Synapse/Hatfield . I've tried to call, email, everything in my power to connect with them so I can pay my debt and get this removed from all 3 credit bureaus. they will not accept payment. They are hurting my credit. I've even called the number on my credit report for them, turns out its A XXXX XXXX PHONE NUMBER SO NOT EVEN A REAL WORKING PHONE NUMBER WITH AN OFFICE XXXX SOMEWHERE. This is a tough predicament to be in because I only owe {$110.00} and no one from that company will respond to me. Only bots. they have no human agents. I still have access to the Grid app, but I am not able to pay my debt off. this are trying to ruin my credit report and they are trying to keep charging me for monthly subscriptions even though I've tried to cancel my account multiple times. No one will help so I'm turning to CFPB. The company known as Grid ( shows up as Grid/Synapse/Hatfield on my credit report ), none of them will let me pay my debt off and get this deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There was some fraudulent activity in 2 of my accounts and they closed my accounts before even attempting to replace the card with new numbers or anything first, i was never advised on why or when they closed the accounts. I ended up finding out when i called to make a fraud claim after i noticed the charges on my account and i was told the closed my account due to the activity or something i still don't really understand the reasoning it doesn't make sense but i informed them that my identity was stolen and this activity was not authorized by me neither payments that were made or the charges. After the fraud claim was made I asked to get my accounts reopened and i was transferred to the department that closed the accounts where I told them everything that had happened and they told me the accounts couldn't be reopen at the time to wait until the fraud claim was resolved and then i could call back and get the accounts reopen. I did exactly this and call them when the claim was resolved around 3months later and then they still did not want to open the accounts and basically told me I was lying and no one ever told me that my account could get reopen when i had multiple associates tell me this and I informed them of this but they didn't want to believe and said even if it was true that its had already been past 3 months so the accounts couldn't get reopen anyways cuz its too late. This is ridiculous they should be embarrassed of how horrible they agents are and how contradicting everything they say is, always spreading misinformation and not doing their jobs right.

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 2024-07-15 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: IL

Complaint narrative:
Someone tried to used my personal information to apply for an auto loans without my knowledge or permission which put XXXX inquiries on my credit report.

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 2024-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WI

Complaint narrative:
We were on an autopay program for our medical bills with XXXX XXXX. In XX/XX/XXXX our credit card expired. I did update our digital billing information online but the autopay never transferred to our new card. We did not know the payments weren't going through because our digital billing account listed a {$0.00} balance owed every time I checked it. When I checked our credit report recently I noticed a debt collection item on it, I did a dispute because I didn't know what it was. I discovered the debt was originally with XXXX XXXX through the dispute. I called them and they explained to me what happened and they sent me to the collection company. I talked to a XXXX XXXX at IC Systems. She said they sent me a letter in XX/XX/XXXX, which I never received. I asked repeatedly for another letter to be sent or emailed so I could have a written statement. She kept asking me to pay the bill and I told her I would once I received something in writing about the bill. She repeatedly kept telling me to pay and that they already sent me a letter in XXXX. I again told her multiple times that I never received anything and asked her to mail or email me a letter so I had something in writing. She told me they had tried to call me multiple times and I let her know I don't answer potential spam calls and even if I did I would have never paid them over the phone for a debt I knew nothing about. I told her with all the scams going around that nobody should be paying for something over the phone that they have no knowledge of. Eventually I asked for them to email me the letter/statement, I confirmed they had my email and I ended the call. I called XXXX XXXX back and they are sending me the XXXX statements so I can have a record of them. I am incredibly frustrated. I will absolutely pay this bill ; I just didn't know it was out there, I didn't know it went into collections, and I still haven't received anything from IC Systems about it.

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 2024-07-15 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: AL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-15 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: AL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-15 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: NY

Complaint narrative:
This account is being fraudulently and inaccurately reported to my credit report. Identity Fraud is a Federal Crime and punishable up to {$5000.00} or prison time or both.

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 2024-07-15 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: UT

Complaint narrative:
My credit score dropped XXXX points XX/XX/XXXX. No one can explain it. 
I have never missed a payment in XXXX years. I have not had a house payment since XXXX or a car payment since XXXX. XXXX staying out of debt makes your score go down and makes you a bad credit risk??? I used XXXX different credit cards each month and pay them off each month. Equifax does not even report that. they are poorly run and don't care unless they are selling you something.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
am writing to bring to your attention a concerning issue regarding fraudulent information on my XXXX credit report. The erroneous entry is an address listing at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which I have never lived at nor do I have any association with it. 
Upon discovering this incorrect information, I immediately contacted XXXX to dispute the address. XXXX advised me to XXXX Bank of America, the institution that reported this address, to request its removal. I followed their advice and contacted Bank of America on XX/XX/year>, to resolve the matter. However, despite my efforts, Bank of America was unable to assist in removing this fraudulent address from my credit report. 
This erroneous address listing is damaging my creditworthiness and could potentially impact my financial standing. I am concerned about the accuracy of my credit report and seek your intervention to rectify this issue promptly.

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