vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
My account with XXXX & 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 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. 


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 8

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 2024-07-03 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 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint Against American Express - Unauthorized Charges and Dispute Resolution On XX/XX/2024, I made a purchase using my American Express card for order a dress for {$58000.00} from XXXX XXXX XXXX. Unfortunately, the merchandise was lost during the delivery process, and I did not receive it. As a result, I initiated a dispute with American Express to request a refund for the charges. 
To my disappointment, American Express repeatedly holds the disputed charges and then releases them when the merchant claims that the package had been delivered. This procedure has been ongoing, and it puts me in a difficult position as I am unable to pay for merchandise I never received until American Express can provide proof that I actually received it. 
I have made multiple attempts to communicate with American Express to resolve this matter, but the issue remains unresolved. I have explained the situation and provided all necessary documentation to support my claim, yet the charges continue to be reinstated without any further investigation. 
I kindly request your intervention in this matter. I believe that American Express 's handling of this dispute is unfair and unjust. I am concerned that their actions may have a negative impact on my credit history and financial well-being. 
I urge the Consumer Financial Protection Bureau to investigate this case thoroughly and ensure that American Express follows proper dispute resolution procedures. I request that American Express be compelled to provide a fair and prompt resolution to this dispute, either by providing evidence that I received the merchandise or by refunding the charges. 
I appreciate your attention to this matter and the assistance you can provide in resolving this dispute. Please feel free to contact me if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove 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 explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MN

Complaint narrative:
I opened an account with Chime a few days ago and transferred some money into the account. Then I realized I needed to transfer that money somewhere else, so I tried to transfer it back out of my account via the Chime app. 

The app disallowed the transfer, saying " Oops - Before you can complete this transfer, you'll need to activate your Chime card. '' I talked to their customer support, and they confirmed that although the account 's virtual card was already active, their software would not allow me to transfer money until I activated my physical card. That card is still in the mail, so I have no way to transfer the money out of the account as of today. 

Their customer support could not provide a reason why this transfer restriction is in place. I don't believe this policy benefits the consumer. 

While Chime 's terms of service do mention a few restrictions on new accounts that haven't activated their card yet ( Section I. C. 13. of their Deposit Agreement ), it does not mention this particular restriction on transfers. 

I believe that this restriction on transfers is not permitted, and Chime should be liable under 15 US Code 1693h for any damages that a consumer suffers as a result of Chime 's failure to initiate one of these transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am writing to express my concern regarding the suspension of my online banking profile after attempting to transfer {$10000.00} to an external account that I own with another financial institution. 

On XX/XX/year>, I visited the XXXX, Ohio branch to restore access and confirm the transfer. I was informed that I needed to provide a statement or a voided check to prove ownership of the external account. I submitted the required statement to a teller, who faxed it to the back office. I was assured that my account would be unsuspended and the transfer completed after the XX/XX/XXXX holiday. However, no resolution was provided. 

I returned to the branch on XX/XX/year> to inquire about the delay. A different employee informed me that the back office never received the document. The statement was faxed again, and I was promised a resolution within a few days. After XXXX business days with no resolution, I emailed the same branch employee, who advised me to wait a few more days. Despite their assurance, I received no follow-up. 

On XX/XX/year>, I contacted customer service and was informed that the documents had not reached the correct department. I was assured that the documents were now in the right hands and that the issue would be expedited and resolved by the end of the day. However, as of XX/XX/year>, my account remained suspended. 

On XX/XX/year>, I called customer service again. The advisor informed me that there was no record of the documents and that they could not contact the previous representatives I spoke with, as they were not in the office. To date, my account remains suspended and I am unable to initiate the transfer to the external account. 

This situation has caused significant inconvenience and frustration. I request immediate action to resolve this matter and restore access to my online banking profile. 

Thank you for your prompt attention to this issue. 

Let me know if you need any further adjustments or additional details included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: PA

Complaint narrative:
There are unauthorized inquiries on 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 2024-07-03 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:
I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED BELOW, WHICH APPEAR ON MY CREDIT REPORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$500.00} XXXX XXXX {$300.00} XXXX XXXX  {$72.00} XXXX XXXX {$180.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$140.00} XXXX XXXX XXXX$88.00}

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED BELOW, WHICH APPEAR ON MY CREDIT REPORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$500.00} XXXX XXXX {$300.00} XXXX XXXX  {$72.00} XXXX XXXX {$180.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$140.00} XXXX XXXX  {$88.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TN

Complaint narrative:
My account with XXXX XXXX XXXX XXXX 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 in those account 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 XXXXNever 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 non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a collection account in my report that i don't recognize and its creditor. This is fraud and i want it to be removed as soon as possible. I have the right to have an accurate reporting per FCRA. Please remove it : XXXX XXXX XXXX account # XXXX date opened XX/XX/year> 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: DE

Complaint narrative:
I went over my credit report ( XX/XX/year> ) and noticed inaccurate information reporting on my credit. My credit report is reporting I was late for an car loan account which I was never late for. I reached out to the creditor as well as the credit bureaus and requested material evidence supporting that I was ever late for this account. I asked for proof via statements, late payment warnings, anything that can validate this inaccurate information reporting on my credit report which nothing has been supplied by neither creditor or credit bureaus. I really feel as though the credit bureaus are neglecting their responsibilities under the FRCA as far as investigating and substantiating the errors and the consumers are suffering as a result.

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 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: ME

Complaint narrative:
Since the beginning of XXXX I have been dealing with this company and trying to get my card replaced. Each time they request info for my address. I provide the info and they tell me is invalid. It has been XXXX weeks that I've been trying to get my stuff updated and my card replaced but they do not contact or communicate and when called, they give you the bs running around instead of helping you. At this point either they need to replace the card or pay me for the wasted time. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX info was sent out. Nothing was done, no correspondence sent to me to acknowledge receipt until weeks after sending the info in. Original card was lost and I called to have a replacement sent and I got the run around. This is absolutely egregious to deal with and the practice at this point is 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 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
In late XXXX or early XXXX a XXXX representative allowed a scammer into my account. The result of the scammer gaining access to my XXXX account was my phone number being stolen and from their access to my email was gained, then access to my bank account ( XXXX ), then access to my crypto currency account where over {$300.00} of bitcoin was taken. XXXX fix to my bitcoin being stolen, without the possibility of recovery, was to credit my account with a {$300.00} credit against my wishes. While still having around {$100.00} of credit on my account when I switched back to XXXX XXXX, I closed my XXXX account and transferred my phone number to XXXX. Upon doing this, I verified with XXXX that I still had a {$100.00} of credit on my account that I would not be able to recover, along with verifying my phone number was transferred. Around XXXX or 5 months later, I received a bill for {$78.00}. I called XXXX and was transferred through multiple departments and representatives to figure out what the {$78.00} charge was. No one could give me an answer even though I received multiple bills about every XXXX or 3 months or so. I called back everytime I received a bill in the mail and nobody could gain access to my account even though I gave them every verbal password I would have used and nobody could give me an answer about what the {$78.00} bill was for. Once they sent the amount to collection, they were also unable to tell me what this bill amount was being billed for. If they were sending out a bill, they should have been able to tell me and explain to me what it was for. I do not have a copy of the bill, nor the collection notice as I did not know this was an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation