vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: OH

Complaint narrative:
XXXX credit card has failed to inform Experian credit reporting Bureau that my credit card account was closed when I filed bankruptcy in XX/XX/year>. I need for XXXX credit card to contact Experian and to indicate to Experian that this credit card account was closed XXXX years ago and that is no longer open. XXXX credit card needs to add a remark onto their account on my Experian credit report saying that my account was closed in XX/XX/year>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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Today, XX/XX/year>, I was on the Credit Karma app and viewed personal loan offers. The app said that I could find out what my rate would potentially be - risk free. There would be no hard credit pull and the companies would not be given my personal information for solicitation. I viewed the offers listed and closed out of the app without applying/taking the offer. Approximately XXXX hours later I received an email from XXXX informing me that my loan application was denied and they could not offer the rate offered. I contacted Credit Karma immediately and was told to monitor my credit for a new inquiry, then dispute it with the XXXX credit bureaus. They offered no explanation for why this happened, they did not offer any resolve on their part although it was an error on their part. I contacted XXXX and opened a fraud case. I was told that Credit Karma submitted a completed application, including all of my personal information with only my telephone number missing from the application. XXXX sent a follow up message stating that they canceled the application in their system. They state that they did not perform a hard inquiry on my credit report so no corrections to my credit history with XXXX is necessary. I will still have to monitor my credit on the other agencies, all thanks to Credit Karma 's " credit monitoring services and risk-free offers ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Today, XX/XX/year>, I received numerous calls from a man who said he was with Chase bank. Here are the various phone numbers he called from : XXXX, XXXX, XXXX, XXXX the first XXXX calls were identified as " Chase XXXX XXXX ''. The man said his name was XXXX XXXX and he was calling from Chase because someone in XXXX, XXXX had applied for credit card on XXXX, XXXX  for {$10000.00}. They were ready to approve it but they noticed i was located in XXXX, He knew my Social Security number, name, phone number and city and state of residence. When i said I had not applied, he said he would decline the application. He then gave me a case ID number of XXXX and said he was transferring me to the CFPB. A man answered and stated his name was XXXX XXXX with the CFPB and he would get this straightened out. He talked in circles about how federal law protected senior citizens from high interest rates being charged by bank. He said the banks were in violation of federal law and they had shared my SSN on the public domain and that's how somebody had applied for credit in my name. He said he would fix it for me and my XXXX would again be private but first he had to cancel all my credit cards. At that point, I knew it was fraudulent, so I hung up. The man supposedly from Chase called again and started the whole conversation again .... denying having called before and then screamed that he would just approve the cc application. I called the CFPB to see if that man was an employee and if the case ID was legit ... NO..Neither was legit. I called Chase to see if any pending cc applications existed ... .NO. I checked the credit bureaus to see if a credit report had been pulled on XX/XX/XXXX. No .... nothing showed up on any of the XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My complaint is against XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX utah and against XXXX XXXX XXXX  XXXX  in XXXX XXXX XXXX utah. They both did hard inqirurys against my credit report with out permission. XXXX XXXX XXXX  conducted XXXX on XX/XX/XXXX XX/XX/XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX did XXXX inquirys on my credit report. Starting on XX/XX/year> through XX/XX/year>. I did not give them written permission to do these. I never went to these places and only spoke to a sales person over the phone agreeing to XXXX inqirury each auto group.

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 2024-07-09 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: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Citizens Pay Line of Credit attempted to make a payment to my account tied to my XXXX credit card. However, XXXX erroneously closed my card for fraud. I explained the situation to them, and they assured me that they would remove the erroneous report from my credit report since I had proven the error was on XXXX 's part, not mine. Despite their promise, they have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NJ

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 2024-07-09 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: PA

Complaint narrative:
I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please be deleted.

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 2024-07-09 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXX XXXX UNDER ACCT # XXXX XXXX  OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely 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 non-monetary relief
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Im working with a debt resolution company called XXXX XXXX XXXX XXXXXXXX. Citi card is one of my debts I have enrolled to pay off. Ive been enrolled in this program for over 6 months & I make monthly payments to them. Citi calls me multiple times a day and leaves voicemails. Citi calls me 7 days a week from different phone numbers which Ive blocked. Ive contacted Citi multiple times & explained my financial situation and Im working towards paying them off. Ive given the ACCS phone number to verify my enrollment in the company, yet the calls continue. I called Citi again yesterday XX/XX/XXXX & reiterated my situation and a representative told me to get a power of attorney statement & send it to them. I told the representative that if I could afford an attorney I wouldnt be in a debt resolution program. Ive been dealing with Citi never ending harassment for over 6 months. It is nerve wracking at this point. Im a senior on a fixed income and Im doing my best to resolve my debts. I simply want the volume of phone calls and voicemails to stop.

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 2024-07-10 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: MO

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 explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report this morning and was saddened with what came up. Inaccurate accounts are showing up! I don't know why so please check the documents that I've sent in regards to these.

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 2024-07-09 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: IL

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 non-monetary relief
Consumer complaint received 2024-07-10 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: MI

Complaint narrative:
My account with XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was laid off from XXXX in XX/XX/year>. At the time, I had an autopay amount of {$200.00} per month set with Best Buy with a remaining balance of {$2200.00}. After I was laid off, I changed my auto payment amount to minimum due, which at the time was {$29.00} per month. In XXXX, Best Buy charged me {$29.00}. Same for XXXX. On XX/XX/year>, I purchased a XXXX XXXX for my photography business with my Best Buy credit card. The total cost of {$2400.00} for the lens was added to my remaining balance. This then changed the monthly minimum amount due from {$29.00} to {$56.00}. On XX/XX/year>, Best Buy charged me {$930.00}. I call their customer service, and let them know and they apologized and sent me a refund. The refund of {$870.00} was deposited in my bank account on XX/XX/year>. In XX/XX/year>, Best Buy withdrew the correct scheduled minimum due which was {$46.00}. On XX/XX/year>, Best Buy withdrew {$820.00} from my account setting my checking account to $ XXXX. I turned off my auto payment and called customer service, and they apologized again and opened a dispute. I asked if they could expedite it, as my bank account was now negative with upcoming bills due. Several weeks went by and I did not see anything. I called again and the representative looked into it and said they will submit a note and get things moving. It was not until XX/XX/year> that I received an email stating that I received the refund. Only when I checked my bank account, I saw that Best Buy refunded me {$48.00}. I proceeded to call customer service again and was never able to get anything else done. To this day, I still have not received anything from Best Buy. This mistake on Best Buy 's part triggered a chain reaction of failed/late payments that not only destroyed my credit score, but led to 6 accounts being closed with a debt amount of {$50000.00}, and potential pending lawsuit. I will be immensely grateful for any help I can get. I dont believe they acted fairly.

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