vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXDate Opened XXXX BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: CA

Complaint narrative:
I did not become aware of any debt owed to genesis credit FS until a couple months ago. As soon as i received notification that a collection agency was seeking me to pay debt owed, I checked the legitimacy of thr lawyer and collection company and it showed to be legitimate. At that point i called and asked for proof of purchase or telling me where i accrued the debt. They sent me past invoices sent to a very old address using an account that i have no awareness of. It looks as though XXXX is the original company and I have never purchased anything from them. I could search through years of bank statements to prove that. I need to know how to clear my name of this debt. And properly address the collections agency, as they are fulfilling something that they have been legally hired to do, even though their is some sort of fraudulent activity behind this. 

The current name of creditor is Galaxy International Purchasing XXXX XXXX XXXX sending me the collection paperwork is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
About a month ago I signed up for a Venmo account. I work at the XXXX XXXX XXXX XXXX and XXXX ( XXXX ) and we are having a training session in XXXX for XXXX of my coworkers. I have been tasked with organizing catering for the training so we can have lunch delivered to our training classroom. I opened the Venmo account to collect each participant 's portion of the catering bill. The government ( and therefore XXXX ) does not pay for food and drink at trainings. Three people so far have transferred {$40.00} each to my Venmo account for their portion of the catering bill. However, last week, I received a notice from Venmo saying my account was frozen due to suspicious activity. They said I needed to verify my identity. So I followed their instructions to verify my identity by submitting photos of my driver 's license. They kept my account frozen and sent me another message saying after further review that I have violated their terms and conditions of use but they will not tell me what I violated. All I did was open the account, receive XXXX transfers of {$40.00}, try to connect my bank account, and send my identification to verify my identity. But my account is still frozen. I can not connect my bank account. I can not send the money I received back to the XXXX senders. Venmo says they XXXX wipe the funds from my account. Meanwhile, when they say they XXXX wipe the funds from the account, I am concerned they will just keep the money. I have requested that since they will not let me use the account, that they just send the money in it back to the senders and close my account. They responded by saying they are sending my account to another department to review further. I have canceled the catering for my fellow coworkers. I want Venmo to return the money back to the people who sent it and close my account and delete my data. I do not want to use their service for any reason. This is a scam what they are doing. Please do something. My Venmo username is @ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 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 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received a summons to appear in court on XX/XX/24 at XXXX for an American Express Credit Card bill that I owed in the amount of {$2200.00} I showed up but was told that court would not be in session that day. The clerk said that I would be notified of the next session but I never was. A few days ago I received a notice from XXXX XXXX saying that they would be taking the money out of my account on XX/XX/24. I did not get to have my day in court and it was not my fault. The law firm handling the case is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone XXXX Attorney XXXX XXXX. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: PA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 

Account Name : XXXX XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!

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 2024-08-27 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: FL

Complaint narrative:
I was shocked to discover unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I checked my report as usual, but this time there were unexpected discrepancies. I even refreshed the page, hoping it was just a glitch, but the unauthorized inquiries remained. Im asking for a thorough review of the documents I've provided so I can stop worrying about 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 2024-08-27 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: MI

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-08-27 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: Self Financial Inc.
State: AL

Complaint narrative:
Dear debt collector : I have reviewed my Credit Report and found out that you are reporting a debt that I believe is incorrect. I do not recognize the original creditor, the date opened and or the amount of the debt. You can contact me in writing, and provide me with the following information. 

Be advised this is not a refusal to pay, but this is a formal notice that your claim is disputed and FULL VALIDATION is requested, under the Fair Debt Collections Practice Act ( FCDPA ) made under 15USC 1692g Sec. 809 ( b ) of the FDCPA and section 609 ( a ) ( f ) ( A ) of the Fair Credit Report Act ( FCRA ), this is NOT a request for ver ification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from Commenity at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$XXXX}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
In XXXX, we filed XXXX XXXX XXXX  because they cut my husband salary and we could not afford the bills that we had. Then the pandemic came and so we applied for the XXXX XXXX XXXX  We were approved for them to make the payments on our mortgage. So, the first amount that was paid to the company was XXXX and this amount was applied to months that were already paid by us personally. Then there was another amount XXXX that was paid XX/XX/XXXX and then there was another payment of over XXXX and still was being applied to months that were already paid. So, when I would call them about the payments being applied to the wrong months, they would never fix the problem. Then we stopped getting our mortgage statements in XXXX of XXXX for a whole year. Then all of a sudden the statements stated back in XXXX of XXXX. We allied for a loss mitigation loan in XXXX of XXXX and we would send them all of the information that was required every time they stated that the application was incomplete. I even called every other day to make sure that they received the required information. Then in XXXX they tell us that the information that we sent in for the mitigation was expired even after sending the information several times. They still stated that we needed to resend the information all over again. So, by this time I am exhausted with this company because we have had so many problems with them and have not received the correct information. So at the end of XXXX we were served a foreclosure seizure notice with the loss mitigation still in process. Then, they approved the loss mitigation for XXXX months of the current payment amount. They we received XXXX of the same letters in the mail stating the same thing with another letter stating that the loss mitigation application was incomplete even though they approved the application. I do not know what else to do. I have kept in contact with this company to work out a plan for us to keep our home but we have been getting so many mixed messages from different employees who do not know what they are doing. I just need to make someone aware of how this company is practicing with their customers. I also noticed on a current statement that they have increased the mortgage payment for the month of XXXX with is totally different on other statements. So, I want to know why there was an increase for XXXX, XX/XX/XXXX with no explanation. I just need someone to help my husband and myself with this 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 2024-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian.com is reporting incorrect information on my credit report. 

XXXXXXXX XXXX XXXXXXXX has put a derogatory remark on my credit report. I have never done business with XXXX XXXX XXXX and have no contracts and have never had any contracts with this business. XXXX XXXX XXXX has been disputed off of my XXXX and XXXX credit reports. This is a final warning against Experian to remove this negative remark or I will have my attorney sue Experian for damages. Original creditor XXXX XXXX XXXX account # XXXX Collection account. {$660.00} past due as of XX/XX/year>.

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 2024-08-27 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: I.C. System, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Numbers : XXXX These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-08-26 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: IL

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX will not credit our account for two {$2400.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that we never made. My wife was scammed by someone with a XXXX XXXX XXXX XXXX. She made what she thought was a {$5.00} donation to charity that she was not given a receipt for and then a day later ( without a fraud warning from Capital One ) we saw that two {$2400.00} charges were made with XXXX XXXX XXXX XXXXn XXXX. We have been trying to get XXXX XXXX XXXX to put in writing that we never made the order and though they will verbally confirm it to us, they will not get on the phone with Capital One or write an email to support our claim, when it would take them just a short time to do so and someone is impersonating them. We have reported them to the XXXX XXXX XXXX and the State of Illinois.

Capital One has consistently given us the run around and has not contacted XXXX XXXX XXXX on our behalf to get their side of the transaction. We would think if someone was scamming on their name that they would care about that, but they do not. Capital One says because it was a chip transaction that they can not call it fraud and they can not put the dispute in our favor because we do not have proof from XXXX XXXX XXXX that the order never happened or the receipt from my wife.

Company response to consumer: Closed with monetary relief