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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have had ongoing issues with Cashapp. I have had transactions occur where money was taken from my account without my knowledge or permission. When I ask the company I am told I need to start a dispute from the app, which I do. They offer no explanation as to why the money was taken only that I need to file a claim/dispute. This happened most recently for the amount of {$27.00}, & {$24.00}. I was treated rudely by customer service and was removed from a customer service chat without explanation or warning.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/year> I attempted to attach my XXXX credit card to my PayPal wallet via the PayPal app to make a secure purchase. While attempting to attach my XXXX credit card to my PayPal wallet, PayPal asked me to verify my personal information. After I entered my personal information, I received a notification from PayPal congratulating me on my new PayPal credit card. I immediately contacted PayPal who confirmed that PayPal ran my credit, and was granted their credit card. I had no intention of applying or obtaining a PayPal credit card. PayPal transferred me to Synchrony Bank, at which time I immediately canceled the PayPal credit card, and asked them to take off the hard inquiry on my credit report. The Synchrony Bank representative canceled my PayPal credit card and informed me that a letter would be sent to the credit bureau to remove the hard inquiry off of my credit report. 

On XX/XX/year> I received correspondence from Synchrony Bank informing me that the hard inquiry would not be removed off of my credit report. ( See attached letter )

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6. Which states I have the right to privacy and consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is conjunction with my previous complaint ( # XXXX ) filed with Equifax ( XXXX XXXX ) and CFPB on XX/XX/2024. It was NOT properly resolved and as a result my credit score is suffering. This is impacting my everyday life and credit redlining at its best. I plan to pursue legal action at this point. I received a response from Equifax Inc, stating that they could not identify me by Social Security #, which is odd being that they told CFPB that they were working on the complaint but managed to close it at this point on their end without remedy. This needs to be fixed immediately. There has been no changes on my end that would caused a XXXX point credit score reduction. I will pursue legal action if this is NOT fixed.

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: MO

Complaint narrative:
I am disputing all items named in this letter and pursuant to 15 U.S. Code 1681a ( m ) that express The term credit '' that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account. Therefore, under Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. But Experian did not do this and has been reporting negative information.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX 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 a hard inquiry appearing on my consumer FICO credit report. This hard inquiry is the result of fraudulent activity and was not made or initiated by me. 

The fraudulent hard inquiry is as follows : Inquiry at XXXX on XX/XX/year> I do not recognize this hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you was not initiated by me and is the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that this hard inquiry is the result of identity theft and fraud.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, XXXX XXXX  monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent 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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, XXXX XXXX monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, XXXX XXXX monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent 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 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XX/XX/24 : I was booking a room for XXXX nights at XXXX XXXX. On the payment screen, was offered a credit card offer ( Wells Fargo ) that offered {$150.00} off my purchase and bonus points. It showed on a graphic that my room purchase would be immediately reduced by {$150.00}. 
I clicked on the offer, applied for the card. 


I received an email less than XXXX minutes later : Your XXXX XXXX disclosure access code XXXX XXXX  XXXX Here 's the code to access your XXXX XXXX and other important information. 
XXXX XXXX To enter your access code, open the approval email we previously sent you and select the linked PDF for " Your XXXX XXXX and the Price You Pay for Credit. '' Your information will be available for the next 90 days. You can return and review it anytime with your access code during that period. 


I hadn't received a " previous email '' so I called the automated application approval line. The recording stated that I had been approved and my credit line was {$10000.00}. I stayed on to speak with an agent ( again, couldn't make my hotel purchase without credit card information ). 

I was bounced around to XXXX different people ( wrong department or could not/would not help ). Was then told that they couldn't give out the credit card information. They also told me that I would have to return to book and pay for my room at a later date. 

I asked to cancel the application. I also requested that Wells Fargo contact credit reporting agencies and report that the credit inquiry was a result of their advertising as I don't want this to impact my XXXX XXXX. 
I was " elevated '' to a manager, XXXX ( XXXX ) who said there was nothing she could do for me at this time. She further told me that I would have to wait and receive a letter in the mail XXXX business days later to ensure that the card was cancelled. 

I am looking to : * ensure that the card application was indeed canceled. 
* have all misleading credit card application click-on ads removed, or disclaimers clearly stating that the customer will not be able to use the credit card to pay for a room immediately * have Wells-Fargo report to major credit reporting agencies their policy that led to a credit inquiry for this credit card * have Wells-Fargo 's procedures investigated to avoid consumers from having to be bounced around to XXXX  people for similar issues.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing these wrongfully reported accounts on my credit file and requesting an investigation. As stipulated by the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

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: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

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: MI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union account ( Account Number : XXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navy Federal Credit Union account ( Account Number : XXX ). The report lists a balance of {$2500.00}, a balance updated on XX/XX/XXXX, a credit limit of {$3000.00}, a XXXX  XXXX monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, highest balance {$3000.00}, status closed, and responsibility individual. The payment history shows 1 late payment which is incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payment. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have a PayPal credit account and I make purchases ad pay them off before the interest is due. Last month, i paid more than was due calculating what I would owe for this upcoming month. When I opened my statement for the month, it said that my minimum payment due was {$670.00}. when I added up the payments with expiring balances through XX/XX/XXXX, it came to {$370.00}. 
I called PayPal and asked them how they were calculating the balance due? they responded that my account was purchased back in XXXX and that there were XXXX balances with 0 % interest that totaled {$300.00}. 
I asked why if they keep including this amount in the balance due why the amounts had not been paid off, I was told that I needed to call them and instruct them to pay off the old amounts or they would continue to add them to the total amount due. It is also unclear if they have a 0 % interest rate why are they asking for payment in full and then not applying off the balance? 
I then asked them to move the overpayment to those amounts and I was told that could not be done because the funds were already allocated. 
I fail to understand how they are requesting these monies and then not applying them to the balances they are requesting them for. 
They continue to practice deceptive and confusing practices despite my prior complaint.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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