vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This account was sold at auction and Ally never sent me balance letter or informed me of sale. Today I called them and was told the balance is currently XXXX. The balance that is showing as past due on my credit report says XXXX. The amount is not correct and affects my debt/ratio based on this showing an Incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was grabbed by an XXXX XXXX  man as I walked into the XXXX XXXX at XXXX. I asked what the problem was, and told no problem as I have XXXX XXXX correct. Yes why? He asked to see my card as they were setting people up for the XXXX XXXX line. Told him I did not have that and he looked at my cc and told me I qualify for XXXX XXXX  for 1 year. I will get a refund of {$190.00} after XXXX weeks. It's been XXXX weeks with no refund and I called Amex. They were so happy to hear from a customer for 26 years but said my card did not qualify. Then why was your representative telling me it did and actually pushing me through the steps. I called Amex who told me to call XXXX XXXX, I called XXXX XXXX who was like sorry but it is what it is, I have had people complain about this lately but I can't do anything for you sorry sorry sorry. Sorry is not going to cut when you lie and commit fraud. She told me it was my perogative to file a complaint. Yes it is. I am over the fraudulent claims and harassing nature of these companies, It needs to stop now. I hope you can help. I was up there with my sister who got diagnosed with XXXX on XX/XX/XXXX and died XX/XX/XXXX. I do not appreciate the fraudulent tactics of this company. I was traveling alone and had my husband when with me he may have scared them off. Please help with this egregious situation, praying on women alone is also very shabby business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a Menards card through Capital One. The billing statements are difficult to read and do not clearly specify what the payment amount needs to be in order to avoid paying interest for that month. Menards offers 2 different types of promotional purchases ( 6 month and same as cash ). In addition, there are regular payments. The billing statements clearly break up each of these different types of entries. However, nowhere on the statement does it tell the consumer what they have to pay each month in order to avoid paying interest. 
On XXXX, I called to ask " What do I have to pay in order to avoid paying interest. '' Long story short, I talked to 2 agents and 6 different supervisors. One agent and 2 supervisors did not even know how to read the statements. I received 6 different answers as to how much I had to pay to avoid interest ( not all of these are exact because I got frustrated ) : {$340.00}, {$520.00}, {$560.00}, {$570.00}, {$630.00}, {$1100.00}, {$1300.00}. And these differed from what your website said ( Interest Saver Payment ) : {$470.00}. The last agent I spoke with said she saw notes that showed what the agents told me I had to pay, and they differed by {$1000.00} ( {$340.00} to {$1300.00} ). 
I am filing this complaint because Capital One is not being transparent in telling consumers what they have to pay every month to avoid interest charges. They are most likely doing this to collect interest charges. Every agent and supervisor had to use a calculator, had to break down the different types of charges, and took a long time to calculate, yet still 6 different answers, all of which were different from their own website. 
My second complaint is I told several supervisors I needed a way to communicate with Capital One in writing, since I was getting so many conflicting verbal answers. There is no way to do this. Capital One does not allow consumers to go to their branches. Capital One does not have a secure message center. Capital One does not have a live person on their chat, only AI, even though they kept insisting that they did, but when the agents tried it, there was no live chat. There has to be a way for consumers to communicate in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
I am writing regarding your attempts to collect a debt you claim I owe. According to correspondence I received from XXXX, this debt was transferred to XXXX XXXX XXXX XXXX XXXX, and not to your organization. Therefore, you have no legal right to collect this debt or report it to the credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease all collection activities related to this debt. Furthermore, if you have reported this debt to any credit reporting agencies, I demand that you retract those reports as they are inaccurate and unauthorized. 

Continued attempts to collect this debt or failure to remove inaccurate credit reporting will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil litigation. 

Please confirm in writing within 15 days that you have ceased all collection activities and corrected any erroneous reporting.

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 2025-01-10 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: V and H Portfolio
State: TN

Complaint narrative:
I am writing regarding your attempts to collect a debt you claim I owe. According to correspondence I received from XXXX, this debt was transferred to XXXX XXXX XXXX XXXX XXXX, and not to your organization. Therefore, you have no legal right to collect this debt or report it to the credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease all collection activities related to this debt. Furthermore, if you have reported this debt to any credit reporting agencies, I demand that you retract those reports as they are inaccurate and unauthorized. 

Continued attempts to collect this debt or failure to remove inaccurate credit reporting will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil litigation. 

Please confirm in writing within 15 days that you have ceased all collection activities and corrected any erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
I am writing regarding your attempts to collect a debt you claim I owe. According to correspondence I received from XXXX, this debt was transferred to XXXX XXXX XXXX XXXX XXXX, and not to your organization. Therefore, you have no legal right to collect this debt or report it to the credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease all collection activities related to this debt. Furthermore, if you have reported this debt to any credit reporting agencies, I demand that you retract those reports as they are inaccurate and unauthorized. 

Continued attempts to collect this debt or failure to remove inaccurate credit reporting will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil litigation. 

Please confirm in writing within 15 days that you have ceased all collection activities and corrected any erroneous reporting.

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 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Verification of debt.. Not owed to creditor as it has not been validated. I have included a handwritten letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XX/XX/year> l received multiple credit notifications about hard inquiries that I did not authorize from XXXX  XXXX XXXX, USAA Savings Bank, and XXXX XXXX XXXX. These hard inquiries immediately negatively affected my credit report and credit score causing my credit score to go down.

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 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have tried to dispute this through XXXX XXXX. I will attach pictures also, when i tried to fix the date of birthday so I may look into this more then another screen popped up. That picture is uploaded as well. 

XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Request Account Number : XXXX Dear Jefferson Capital Systems, This letter serves as a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease and desist all communication with me regarding the alleged debt associated with the above-referenced account. 

According to the information reflected on my credit report : The account was opened on XX/XX/XXXX, with a current reported balance of {$730.00}. 
The original creditor is listed as XXXX XXXX, and the account is classified as a debt buyer account. 
I do not acknowledge any obligation for this alleged debt and dispute its validity. Additionally, as required under 15 U.S.C. 1692g ( b ), I request that you provide complete and verifiable validation of this debt, if you believe it is valid.

Effective immediately, I demand : That Jefferson Capital Systems cease all communication with me regarding this matter, except as specifically allowed by law. 
That Jefferson Capital Systems refrains from furnishing inaccurate or unverified information about this account to any credit reporting agencies. 
Failure to comply with this cease-and-desist request will leave me no choice but to pursue my rights under the FDCPA and other applicable laws, including but not limited to filing complaints with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX the Federal Trade Commission ( FTC XXXX XXXX and my state attorney generals office. 

Please address any further communication regarding this request in writing to my address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
I am writing to dispute items on my credit report that I believe to be inaccurate. Upon reviewing my credit report, I was shocked to find these accounts listed as negative. However, after conducting thorough research, I discovered that these same accounts are not being reported as negative with other credit bureaus, such as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I disputed the inquiries and informed I didnt recognize the them XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: WI

Complaint narrative:
my information has been exposed in a data breach. Experian have been tarnishing my credit reputation for months even after I've shown these accounts below do not belong to me. 

XXXX XXXX # XXXX, Bal- {$3300.00}, Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$6600.00}, Date 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 2025-01-10 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: TX

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed a XXXX XXXX account XXXX that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX. XX/XX/XXXX. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief