vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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 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

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 2024-07-19 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: DC

Complaint narrative:
The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XX/XX/2023. I demand the deletion of this inquiry from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I do not know anything about this debt. I have not received anything in the mail concerning this debt therefore I have not been able to verify anything about it. It just showed up on my credit reports claiming to have begun on XX/XX/year>. This company has violated my rights as described in the Fair Credit Reporting Act by not allowing me the 30 days allotted to dispute this debt before reporting the debt to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to XXXX 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 2024-07-19 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: NY

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I applied and was approved for the Amex XXXX XXXX Credit Card. I applied through a XXXX promotional offer link, however only received XXXX points. I have called multiple times and the agents have not been able to help or explain why. It was extremely misleading because every time I refreshed the page it showed a different amount of points for the bonus, however I clicked on the XXXX offer. I thankfully took a photo because I sent it to XXXX of my friends to also inform her of the great offer. I am requesting that I be made whole for the additional points. I have contacted numerous times and unfortunately got no where by contacting Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Requested statement from collection company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company mailed me a letter stating. 

After reviewing your correspondence, we are unable to process your request because we were unable to determine the nature of your request or your request was illegible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: Synovus Bank
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section XXXX o XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: 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 XXXX 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Re : Settlement Offer for Charged-Off Account My name is XXXX XXXX XXXX XXXX and I am writing to address a critical issue that has come to my attention regarding an account with your bank. Recently, I was informed by my background XXXX that there is an account with Citibank that is past due and has been charged off. This information has been brought to light as I am in the final stages of securing a federal job, a position that I have worked tirelessly to attain. 

I am deeply distressed by this revelation, as I have no recollection of ever opening an account with Citibank. Nonetheless, I am committed to resolving this matter swiftly and amicably, as it is impeding my opportunity to join the federal agency. 

I want to emphasize the urgency and gravity of my situation. My mother, who has been diagnosed with XXXX, is currently XXXX and under my care. The financial and emotional burdens of her illness have been overwhelming. As a result, my resources are extremely limited. Despite these challenges, I am determined to clear this issue to secure my future and continue to support my mother. 

In light of my circumstances, I am proposing a settlement amount of {$1000.00} to resolve the outstanding account. This is the maximum amount I can afford given my current financial situation. I implore you to consider my offer with compassion and understanding of the hardships I am facing. 

XXXX this account will not only help me move forward in my career but also alleviate some of the immense XXXX I am under as I care for my sick mother. I am hopeful that you will see the sincerity and urgency in my request and accept my settlement offer. 

Please take this settlement proposal seriously and respond at your earliest convenience. I am eager to resolve this matter and am available to discuss any details necessary to facilitate a swift resolution. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-19 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: TN

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to this fraudulent item on my report that need to be removed but as of now still have not.

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 2024-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC
State: TX

Complaint narrative:
Dear Team, I hope this message finds you well. I am urgently reaching out regarding a XXXX situation involving an online coaching program offered by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX specifically their course titled XXXX XXXX XXXX XXXX XXXX XXXX which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only three days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party XXXX XXXX XXXX XXXX XXXX, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community. 

Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for their practices. Assistance in navigating this matter and protecting my family from further harm is crucial. 

Additionally, ongoing health challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account name : 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 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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong 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 non-monetary relief
Consumer complaint received 2024-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I used the service XXXX to accept a payment for my work performed for an insurance brokerage. I had worked for XXXX full weeks, XXXX hours a day, appointment setting for this company. I sent them an invoice for {$600.00} and they paid the invoice in full. I have been trying to transfer these funds into my bank account for XXXX weeks now and today XXXX asked me to provide more information to initiate this transfer even though it said pending for XXXX weeks. I provided my insurance license, my drivers license, screenshots of the business conversations with the employer, my bank info, and all of the employers contact info. XXXX emailed me a few hours later that my account is being deactivated and my balance would be frozen for 90 days. The money I had genuinely worked for is being held from me for absolutely no reason, so I contacted support and I received XXXX message back that said they were unable to provide any additional information but the decision was final. 

I am horrified and upset. I have no recourse to elevate this or ask why this decision that hurts me significantly was made. This is my money and I did not expect to be antagonized. This is an abuse of consumer finance. I would like to have access to my funds, as I live paycheck to paycheck, and my business is completely legitimate. I can not wait 90 days. Additionally, the site will now not let me link a bank account so I dont even know how the money will get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT 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