vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: TX

Complaint narrative:
My account with XXXX XXXX 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.

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 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 2024-08-08 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: TX

Complaint narrative:
My account with XXXX XXXX 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.

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 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 2024-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Opened a credit card in XXXX of XXXX and made a purchase of less than {$200.00}. Made my first payment on XX/XX/XXXX, in the amount of {$100.00}. My bill came towards the end of XXXX not showing the payment of XXXX with a late fee of approximately XXXX. I paid the payment on XXXX XXXX, including the late fee in the amount of XXXX. Once again, I get the bill not showing payment. I then reached out to Commenity and they have no records of payment. Meanwhile, the collection agency if after me. I reached out to my bank, and they sent me letters and the checks which they sent to Commenity. Months later I am still dealing with this, and continue to get late fees and again collection agency is after me. I spoke to the women from the collection agency, told her the background and she could see in the documentation that I was in fact giving information to clear this up. She removed me from her list and sent me back to Commenity. I recently sent the documentation in again. This has hurt my credit score tremendously. I need this matter resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
I was taken aback when I saw unauthorized inquiries on my credit report this morning, without any explanation. I regularly check my credit report, and today I found discrepancies that shouldnt be there. I even tried refreshing my browser, hoping it was a technical issue, but the unauthorized inquiries stayed. This situation is very upsetting, and I ask that my documents be carefully reviewed to ensure this is resolved for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, which was quite shocking. I regularly monitor my credit, and this time I found discrepancies that weren't there before. I even tried refreshing my browser, thinking it might be a glitch, but the inquiries remained. Im deeply concerned about this, and I urge you to thoroughly review the documents I've provided to prevent this from happening again.

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 2024-08-08 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, AL XXXX tel. No. XXXX I have CDs, joint account, with XXXX bank located at XXXX bank, XXXX XXXX XXXX, NY XXXX, this is my second complaint against XXXX XXXX bank, I am a non white XXXX citizen, over XXXX XXXX XXXX. 
XXXX bank is illegally, based on the XXXX of my skin, deducting interest calling as backup holding. 
I am informing under Oath and under penalties for perjury that I am NOT subject to either Federal backup with holding or state of Alabama with XXXX. 
Based on the above, XXXX bank must immediately add all the amounts, illegally with held, to my CD accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call from Chase bank, where I hold several accounts. They asked me to verify a large XXXX payment that was trying to be made through my checking account. I absolutely did not authorize any XXXX  payments and so the customer service agent put a stop to the funds being transferred. I asked her how this could happen ... she did not know but told me to cancel my current account and open a new one with new passwords and new debit card... I immediately went to the branch to do as instructed. When the person at the bank pulled up my accounts to make the changes he informed me that there was a XXXX  payment made the day before which did go through my account. Upon examining the date and name, I confirmed that I DID NOT authorize or submit any XXXX payments to anyone. I do not ever use XXXX. He called the fraud department, explained my situation... I spoke to the agent and verified that I NEVER authorized any XXXX tranfers from my account. The transaction was for {$4700.00}, an enormous amount for me. I was horrified and expected the bank to credit me back that money. They told me it would take 7-10 business days for a credit to be issued. I was not happy with that since it is alot of money to be without, but I had n choice but to wait. Three days later I received a letter stating that I would not be receiving my money back. I was very upset and called immediately. The agent told me when they investigated they found the transfer was made from my IP address and so, they would not be crediting me since it shows on their end that I did the transfer. I believe that is very unfair to a valued long standing customer. I have banked with Chase since 1983 and I have a substantial amount of accounts/money with this bank. I use them because I expect Chase to guard my money... isn't that what we use a bank for. I do not know how my account was hacked or compromised or whatever happens in this cyber world we live in, but it is completing unfair for me to lose my hard earned money. It is not a small, insignificant amount to me. Doesn't Chase have insurance for these purposes and furthermore, I believe they should try to recover the loss from the " person '' who the money was sent to. Shouldn't they find out the account it went into and get it back from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: NJ

Complaint narrative:
Please check the documents I've sent as there are inaccurate public record information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
Please check the documents I've sent as some of personal information is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
This morning, I was shocked to see unauthorized inquiries on my credit report without any explanation. I regularly monitor my credit report, but this time there were discrepancies that seemed to appear out of nowhere. I tried refreshing the browser, hoping it was just a technical error, but the inquiries remained. I'm deeply disturbed by this and request that the documents I've provided be thoroughly checked so that I can avoid this kind of issue in the future.

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 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OR

Complaint narrative:
I filed a dispute with Key Bank for a XXXX transaction regarding XXXX for {$690.00}, on XX/XX/year>, the bank then advised that no error has occurred and didn't process a refund on the dispute. 

On XX/XX/year>, I purchase four aisle but when I received the tickets the seats were different. I tried to contact the seller-the contact feature was blocked didn't work. I listed the ticket for sale but XXXX XXXX, limited the price to {$140.00} per tickets. XXXX XXXX was sellling tickets for {$80.00} per ticket. I try to transfer the tickets to someone else but the transfer feature was blocked. XXXX XXXX blocked the resellling of the tickets by limiting the price and also block transferring the tickets to another person so the tickets were unable to be used. 

I filed a complaint with the XXXX  also, # XXXX I had to repurchase tickets that I used to see the concert. So there was two transactions. I'm requesting a refund for the tickets that I wasn't able to use or transfer for {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
My account with 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: OH

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
I would like to dispute the following inaccurate accounts on my credit report listed below : Experian : XXXXXXXX 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 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 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 2024-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX my CareCredit spending limit was cut from {$740.00} to {$270.00}, this after having on time payments that equal to {$300.00} in just the past 2 months, significantly reducing the debt i owed them. I asked a reason why my credit limits were significantly lowered after I had paid down my balance significantly in the past two months, therefore upping my credit card utilization and damaging my credit which I have been working so hard to improve. I believe they did this with my Sam 's Club Synchrony card as well when I had paid more than usual on it as well. This is quite obviously an unfair practice to keep people 's credit card utilization high, therefore damaging a person 's credit score in order to keep them from getting more reputable cards with lower APRs on them and forcing them to have to stick with their cards. Paying down your cards should improve your credit score, and they make sure it does the opposite. This is not the first time this has happened with them, so shame on me. When I had an Ashley 's homestore card with them and finally got down to a XXXX balance, after a while they closed my account negatively impacting my score, like they were punishing me foe not having to pay them any interest. I don't care what it says in the fine print, there's no way this can or should be legal. They are taking advantage of people already with their ridiculous APRs, and then punish them for paying down their debts because, God forbid they collect less interest then!

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 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

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