vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and reported by XXXX, XXXX, and Experian. 

According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.

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 2024-10-24 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-24 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: MA

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 explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I came forth as the Investor in the way of a Consumer Credit Transaction for a Ford Truck on XX/XX/year> I submitted my Principal ( Security As Collateral ) on the application. ALLY BANK Denied an extension of my principal credit which should have never happened. I sent the Tender of Payment out to the CFO of ALLY BANK to be attached with the application that was submitted on XX/XX/year>XXXX  with no response from ALLY BANK or action its now XX/XX/year>XXXX   which Im very unhappy with this service they are providing and mismanagement. This is unfair and Inaccurate I should have never been denied an extension of my Principal Credit. I Have Full Capacity To Contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: NY

Complaint narrative:
I've found errors on my credit report tied to 15 USC 1681c-2, specifically unauthorized inquiries that are damaging my score. Kindly remove all unauthorized hard inquiries. Thank you!

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-24 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
US Bank is not honoring the bonus of {$400.00} even if maintained the salary deposit of $ XXXX for 3 months. Called multiple time and confirmed that Bonus code was correct, visited office at well at XXXX XXXX. 

Initially got some response, but past few weeks no response of my email. Please help me here, as I have blocked my money for more than 4 months to get the bonus.

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 2024-10-24 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: NY

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: MI

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 2 out of 3 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. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The credit card company Capital One Quicksilver seems to be having difficulties receiving the monthly payments. This has happened 3 months in a row. Last month I had provided the requested information from my bill pay company through XXXX XXXX XXXX and the information was accepted by Capital One and payments were posted as dated and fees were reversed. Again this month the payment has not been received. It was debited from my account on XX/XX/XXXX. I have been calling the company every day since the XXXX of the month to check on receipt. I made the minimum payment through the company when the due date ( XX/XX/XXXX ) arrived and it had not been received. I am in process of filing another investigation through Capital One but find this process unacceptable. No other credit card company or utility company has difficulty receiving the payments through my bank on time. This company is saying they dont receive them at all and then after investigation seem to find them. I think the problem is on the companys end and I should not have to do this every month. I have closed my account and will pay off balance as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have on multiple occasions reached out to this collector that is reporting negative information on my credit report stating I wanted this debt to be verified by providing me with the original contract with my wet signature that shows I owe this debt to them and that they are within 100 % of their rights to collect this debt from me or to report it on my credit report without my permission. I also requested they provide the method in which they used to verify this debt. I have never received any type of response let alone the information I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private D.O.B. ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer 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 consist of a personal credit card accounts, Auto loan accounts and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the negative accounts reported on my credit report. Upon review, I found that your company is reporting inaccurate and incomplete information that has caused significant harm to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the negative accounts reported on my credit report. Upon review, I found that your company is reporting inaccurate and incomplete information that has caused significant harm to my financial standing.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
11 unauthorized fraudulent inquires on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: EQUIFAX, INC.
State: NE

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, my phone and tablet were stolen. After the theft, the individual who stole my devices accessed my PayPal account and purchased cryptocurrency without my authorization or knowledge. 
I initially filed a claim with PayPal on XX/XX/year>, but it was denied the same day. When asked why they denied my claim their response was that my police report wasnt enough information for them to really know that these charges were unauthorized. After this denial, I called PayPal XXXX more times to follow up. The first time i was passed around only to be disconnected from the call right before closing. On the second attempt, the representatives informed me that their superior would call me and advised me to hold onto my additional documents, including my XXXX information, and XXXX XXXX XXXXXXXX detail, until I was contacted. Despite these promises, I never received a call, and my case was not escalated as they claimed. 

On XX/XX/year>, I called PayPal again to check the status of my claim and was informed that it had been closed without any escalation or further action. I reopened the case that same day, and while doing so, I was advised by the PayPal representative to submit new documentation such as the ones i had been waiting to file for almost XXXX weeks. I began gathering my documentation, but within just XXXX hours, PayPal closed the claim again, before I had the chance to submit anything. 

The premature closure of my claim, despite the advice from PayPal to file additional evidence, has left me without a fair opportunity to prove that these transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) is reporting on my credit as a mortgage. 
I have obtained information from FHA that a time share is an INSTALLMENT loan and NOT A MORTGAGE. Due to the fact they are calling it a Morgage, it is affecting my eligibility to refinance my home. I reached out to my time share and asked if they would change my credit report to list it as an installment loan and they said NO, so I contacted Experian and filed a dispute and they came back and told me the information was correct and they would not change it. My lender has told me a time share is not a mortgage and I have written documentation from the XXXX XXXX XXXX that says a XXXX XXXX is not a mortgage. I want this changed on my credit report so that I may refinance my home.

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