vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: AZ

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: AZ

Complaint narrative:
I called Wisely at XXXX on Monday, XX/XX/XXXX, one day after the suspicious transactions started on my account. I reported I had the card in my possession and had several transactions declined the previous day while I was out shopping. I let the representative know which purchases I had made, or attempted- 2 were declined when I tried to make a purchase ( listed below ). 

I made these purchases : 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 declined but mine In Addition to my charges, these charges were fraudulently made and paid out to merchants : 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  My card was deactivated and they sent me a new card. They said the investigation would be pending on the purchases that were made and were paid to merchants already. 

All of the charges below were automatically declined/flagged by the bank before I reported any fraudulent use and the funds were not disbursed to anyone : 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 About 6 weeks ( late XXXX ) later I received a letter stating the 3 largest charges were not being refunded but all others were refunded. I called them and stated I had not received any documentation about how they came to that decision. 
I received a one page sheet with no specific info other than the charge and the merchant in early XXXX I called again disputing again the XXXX largest charges, for {$910.00}, {$100.00}, {$100.00}. 
In XXXX, I later received a letter that the 2 charges for {$100.00} were now also refunded leaving just the charge for {$910.00}, not refunded despite all other charges on the same days being deemed fraudulent. This charge was deemed " not an error. '' I sent them a letter on XX/XX/XXXX noting all of this ad demanding that they call me, give me more info or refund the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Last month I noticed a charge of XXXX cents charge on my Synchrony Rooms to Go card. Today, I received my statement and again, there is another XXXX cent charged. They called it the PAPER STATEMENT FEE. I am requesting that every XXXX taken/stolen from my account be replaced. Why do these multi XXXX dollar companies remain a parasite to consumers?

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 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did get a refund but not thy right amount, They charged me again after they cancelled my account? They gave me a Refund for {$260.00} but was suppose to be {$340.00}, & still charged me a extra {$29.00} on XX/XX/2024, They stold again, & my account is still cancelled? Please investigate TransUnion they keep taking extra money & hide the truth about their thieving, I can show payment records thru XXXX XXXX XXXX. for later documentation.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: IL

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

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 2024-09-10 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated. 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. 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-10 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: FL

Complaint narrative:
I have submitted over XXXX letters over XXXX months requesting verification of the debt accounts listed on my credit report. I have received requests for verification of my identity and that documentation was included with each letter, each time I mailed it. I responded to the request for additional documentation, providing what was required and their response to my submission was the exact same letter they responded with each time requesting the same documents I had previously provided.

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 2024-09-10 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: FL

Complaint narrative:
I have submitted over XXXX letters over XXXX XXXX requesting verification of the debt accounts listed on my credit report. I have received requests for verification of my identity and that documentation was included with each letter, each time I mailed it. I responded to the request for additional documentation, providing what was required and their response to my submission was the exact same letter they responded with each time requesting the same documents I had previously provided.

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank & CITIZENS FINANCIAL GROUP , INC . 
EIN # XXXX Principal Executive offices : XXXX XXXX  XXXX XXXX R.I. XXXX Vice Chair and CFO : XXXX XXXX XXXX XXXXOn XX/XX/scrub>XX/XX/2024 I started a fraud claim Claim # XXXX, For {$13000.00} And the multiple associates of Citizens Bank wouldnt give me a email or link to upload documents for proof. So it was denied. 
***And I once again filed another fraud complaint on XX/XX/2024 for {$13000.00}, Claim # XXXX I was able to upload proof and all the and fraud etc. Now they want more and more and its so beyond frustrating that I am the one who was stolen from and they treated me like a Criminal after being a member for over 12 years. So in their SEC XXXX and XXXX filing they state they have to by law give the amount disputed by 10 days if they have not come to a decision, but always give the provisional Credit to their clients because were important to them. Well its coming up on day 9. Tick tick tick.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX XXXX  and Portfolio Recovery Associates ( PRA ) regarding two accounts : XXXX XXXX  secured account ending in XXXX Capital XXXX unverified account ending in XXXX For the Capital One secured account ( ending in XXXX ), I provided a {$1000.00} security deposit when I opened the account. This deposit should have been applied to the account balance or refunded upon closure. However, XXXX XXXX failed to apply the deposit or refund it to me when the account was closed. Portfolio Recovery Associates ( PRA ) then purchased this account, but neither company has addressed the missing security deposit. 

For the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), I do not recall opening this account, and I requested validation of the debt. Despite this, PRA has only provided statements, which do not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have not received original contracts or any proper documentation verifying this account. 

Portfolio Recovery Associates continues to report inaccurate information to the credit bureaus despite my multiple disputes, and they have not properly verified the debts. Their failure to provide adequate validation has caused harm to my credit profile. 

Actions Taken : On XX/XX/year>, I disputed these accounts with XXXX XXXX and Portfolio Recovery Associates, asking for proper validation of the debts and the application or refund of the {$1000.00} security deposit for account XXXX. 
On XX/XX/year>, I followed up on my dispute as the accounts were still inaccurately reported on my credit profile. 
Amounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX balance and a {$1000.00} security deposit that was not applied or refunded. 
XXXX XXXX XXXX XXXX : {$460.00} balance. 
Despite my multiple requests, these accounts remain unverified and inaccurately reported, and I am requesting immediate deletion of the accounts from all credit bureaus and resolution of the security deposit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TN

Complaint narrative:
I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.

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 2024-09-09 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: PA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-09 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit report contains false and misleading information in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Specifically, the report lists the bankruptcy court as the furnisher for an account, which is forgery and misleading since bankruptcy courts do not furnish information to credit reporting agencies. 

I contacted the courts in my state, and they confirmed they do not provide any data to credit reporting agencies. This means the reporting agency has committed fraud by misrepresenting the bankruptcy court as the furnisher for this account. 

Details of the violation : Data Furnisher Misrepresentation : A data furnisher is any entity that reports information about consumers to consumer reporting agencies ( CRAs ), including credit bureaus and tenant screening companies. Bankruptcy courts are not considered data furnishers.

Violation of 15 U.S. Code 1681s-2 : Despite multiple disputes, the so-called furnisher ( the bankruptcy court ) has never reached out to me, which confirms they have no involvement in this report. This shows the information is false and the reporting agency has been lying about its accuracy. 

Failure to Notify Dispute : Under 15 U.S. Code 1681i ( 2 ) ( A ), the reporting agency is required to notify the furnisher of a dispute within XXXX business days. The agency failed to do this and continued to falsely list the bankruptcy court as the furnisher. 

Account in Question : Bankruptcy - XXXX This account is reported inaccurately under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The reporting agency forged the bankruptcy courts name as the furnisher, which is fraudulent. This account should be immediately deleted. 
I demand that this item be removed from my credit report immediately. If no action is taken, I will proceed with legal action for forgery, fraud, and violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief