vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It has been brought to my attention that although I have written several letters asking for validation of debt, verification of debt, original promissory note, off ledger accounting statement I have not I am not getting any response because of the automated system you have in place which in fact is a violation as well. 

When it comes to uploading my documents on their portals, it is difficult for the consumer to upload the pending documents needed to expedite their dispute claim. They have been notified various times in attempt to cure that they continuously dismiss. That is also a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. They are not investigating the legitimacy of these accounts I did not give consent to these accounts or permissible purpose and are in violation of the Gramm Leach Bliley Act.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company 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 2024-08-22 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company 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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon Fifth Third bank I tried to call several times today XX/XX/XXXX to the call center to open a merchant dispute. 
Was impossible to reach someone because the system requested the SSN all the times ( I dont have one ) so the call was ended all times. 
Details : XXXX XX/XX/XXXX and XXXXXXXX XXXX I went to the store XXXX XXXX in XXXX XXXX to buy XXXX XXXX XXXX XXXX for a work project that I was developing there at that time. The purchases took almost 1 month to arrive so at the time of the delivery were no longer needed, so I went to the store in person on XX/XX/XXXX to return the Ipads and requested a refund. 
The store accepted the return and return slip was issued on the same day, giving not more than 5 days to have the credit posted back to my account. They have a return policy of 30 days after delivery date for a full refund. 
The refund was never posted to my account so I contact them again on XX/XX/XXXX and they didnt provide any solution for the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I was never late on this account. 
XXXX XXXX XXXX Account Number XXXX Please correct/update this information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this information on my credit report. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sold a record on XXXX, an online marketplace, with PayPal as the payment processor. The buyer listed his shipping address in NY, United States. However, after completing the sale, I discovered that the buyer had a different address listed on their PayPal account, which was in XXXX. 

I shipped the record to the address provided on XXXX, as this was the address given during the transaction. Tracking information confirms that the item was delivered to the NY address. However, I later realized that PayPals Seller Protection policy only covers shipments sent to the address listed in the PayPal transaction details. This discrepancy in addresses creates a loophole that can be exploited by dishonest buyers. 

I am concerned that the buyer may have deliberately used two different addresses to exploit PayPals policies, potentially enabling him to claim non-receipt of the item and request a refund, even though the item was delivered. This situation leaves me vulnerable to losing both the item and the payment, with no protection from PayPal, despite following the instructions provided on XXXX. 

PayPals strict policy of requiring sellers to ship only to the address listed in the PayPal transaction details, without consideration of legitimate discrepancies, essentially allows buyers to manipulate the system and obtain goods for free. This not only results in significant financial losses for sellers but also undermines trust in online transactions. 

I believe that this loophole in PayPals policy facilitates fraudulent activity and leaves honest sellers unprotected. I am filing this complaint to bring attention to this issue and to seek resolution, as well as to advocate for changes in PayPals policies that would better protect sellers from such exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-22 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my repfrts and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my repfrts and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
So I have been sick with XXXX for the last several weeks, I recently received an email from First Access Credit Card Company because I was sick it allowed a lot of interest to accrue to my account and a ton of negative tradelines to report to my credit reports.

The email sent offered a settlement amount which in turn would close the account out, I refused the offer and went with the Hardship Program they offered which was a more better option for me. And I want to thank the Representative at First Access for making this possible and dedicating the upmost best customer service that I have seen in a quiet a long time this man deserves a promotion in my book. 

But again, I need additional help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A company claiming to be CT XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Georgia has been harrassing me by calling from multiple numbers including XXXX and XXXX. 

They have stated they would serve me court papers on Friday of every week, however they have not issued any court papers. They just keep calling and threatening me. 

I have asked them to stop calling me, and they refuse. 

I have asked them for their mailing address or the state where they have licensed attornies so I could file state attorney general complaint, and they hang up on me, but then they call me again. 

They claim they are calling regarding a Chase debt, however I have documentation from Chase that I do not owe them money. 

I believe these people have either mistaken my identity or are fraudsters hoping I will pay. 

My credit report shows I owe no money to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I bought a fridge, washer, and dryer from Best Buy using their Citi credit card. Total cost was over {$7000.00}. 
Unfortunately, I had some downturn in my finances in the past year. I negotiated with the bank and was placed on a payment plan of XXXX to pay off the balance while I stopped using the card. I have been paying this diligently and a little more, and now I have a total balance of less than XXXX. I was shocked that the bank made an unauthorized charge of {$3900.00} from my account on XXXX XXXX. This left me stranded, and speaking with their arrogant staff shattered me! I was told the " promo '' I enjoyed was over. Not only did they clear my bank account to pay the balance, but I will also be charged an outrageous {$4000.00} as accrued interest for not paying off before the promo elapsed! After a long, XXXX conversation, they reluctantly agreed to withhold the interest charges for 60 days but, in turn, told me the 60 days started counting in XXXX. So, I am due to pay the outstanding balance by the XXXX week in XXXX, or they will apply the extra {$4000.00} charges. They promised to reverse the unauthorized charges to my bank account but did not do so for over XXXX after which I was forced to call my bank to cancel the transaction. Since then, Citi Bank has repeatedly called me during my working hours, creating a lot of distraction for me at work. Today alone, I got over four calls! 
What is most disturbing to me is Citibank 's plot to see I'm never going to get out of this debt by surreptitiously having clauses not clearly stated when signing for this card and not honoring the forbearance plan they drafted for me. It is very abusive of my trust to sign up for autopay without notice, wipe out my bank account, take almost all I have, and refuse to refund my money promptly. The intended additional charges are predatory and deviate from fair lending practice.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
My debit card was apparently physically stolen from a XXXX gas station in XXXX, Alabama, where I live, on XX/XX/year>. While I was sleeping, the thief went on a spending spree overnight to several gas stations. I realized what had happened the next day when the thief attempted to make a purchase for approximately {$950.00} at a XXXX XXXX, and SoFi denied the charge as fraudulent. Clearly, SoFi was aware that someone had stolen my card. I also called immediately after I saw the attempted charge to alert SoFi.

My claim for reimbursement for the fraudulent charges was denied as no fraudulent activity occurred. Clearly, it did, and SoFi was aware it did, hence flagging the XXXX XXXX XXXX. The last XXXX digits of my checking account are XXXX. The fraudulent charges are listed below : BP # XXXX XXXX XXXX - {$110.00} Highway XXXX Convenience - {$17.00} XXXX XXXX - {$43.00} XXXX - {$95.00} XXXX - {$35.00} Circle K - {$37.00} XXXX - {$43.00} Total : {$380.00} Also, note that I attempted to report all fraudulent charges within XXXX hours of them being charged to my account. However, charges that were " XXXX '' I was not allowed by SoFi to report until they were " Posted. '' I suspect this may have been an attempt to get around the XXXX hour reporting rule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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