vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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! 


Update 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 2024-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ) from XX/XX/XXXX - XX/XX/XXXX. 

Due to proven misconduct and litigation involving the XXXX XXXX, my federal loans were XXXX by XXXX XXXX to Repayment on XX/XX/XXXX. 

In XXXXXXXX XXXX began offering a XXXX XXXX XXXX XXXX for borrowers qualified by Navient and previously had their federal loans forgiven. I was qualified and received the application on XX/XX/XXXX. 

On XX/XX/XXXX, I submitted my XXXX page application, with loads of evidence and a detailed letter of harm due to predatory lending and attending a for profit school, ( that has since closed ). XXXX then notified me they received my application, put my loans into forbearance, and said it would take XXXX to reach a decision. 

On XX/XX/XXXX my application was denied with the generic reasoning of " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I do not agree with this decision, or Navient 's vague and generic description as to why I was denied, even though I met qualifications for the application. Navient has not been transparent on why some applications are approved for XXXX and some aren't. I firmly believe there is really no approval process in place, and that loans are being forgiven randomly, and at an extremely low percentage. This does not reflect the rate of loans forgiven through XXXX, which have the SAME qualifications. 

On XX/XX/XXXX Mohela began servicing my private loans ( via Navient ). 

My loans come out of forbearance and into repayment on XXXX. 

I had to delete a lot of pages from my original application to meet the XXXX requirement. Password for the uploaded document is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2024-10-31 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: AZ

Complaint narrative:
Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXXXXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA XXXX XXXX has relisted XXXX fraudulent inquiries.

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 2024-10-31 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital 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 XXXX 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 2024-10-31 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: NY

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-10-31 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: SC

Complaint narrative:
I recently review a copy of my credit and noticed fraudulent accounts on my credit report. Please remove these accounts, they are hurting my ability to obtain credit.

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 2024-10-31 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: SC

Complaint narrative:
I recently review a copy of my credit and noticed fraudulent accounts on my credit report. Please remove these accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Good morning my name is XXXX XXXX XXXX on XXXX XXXX at XXXX I received a email from capital one stating that my account ending in XXXX was being closed without any explanation. When I checked my email later that day and seen them email I called them at XXXX XXXX. I asked several time why was my account closed. The first person said that an internal review was done on my account and capital one has decided to end out banking relationship. I explained to them how can they just close my account without explanation she further more couldnt give me a reason. I called back again at XXXX the next person told me I was a risk factor completely different from what the first person told me. I called again at XXXX I was told I had to call in the morning and ask for an investigator so they can relinquish my funds. I called back at XXXX I was told that there is no way to connect me to an investigator. So making the last person I talked to statement not true. Lastly I called at XXXX with no update or time frame of when I willl receive my money. Im a single parent of XXXX children my youngest is XXXX months. She needs XXXX XXXX XXXX food to survive. Capital one took all my money and are treating me like a criminal. I feel like Im being discriminated for being a women and a XXXX XXXX. They have access to all my information and decided well shes XXXX XXXX lets close her account because of I see no reason why it was closed from the start. All my large deposits come from my job that I have worked for XXXX years. Im distraught over this I need help getting my money back please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. SUNRISECRED bal. {$520.00}, POSSIBLEFINA bal. {$170.00}, XXXX XXXX XXXX. {$1800.00}, XXXX XXXX XXXX. {$7000.00}. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
So there are multiple accounts on credit report starting from about two years ago XXXX is fir XXXX Other is for XXXX And then there is a car loan that I never got but here is the proof of identity stolen

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance with an unresolved issue regarding a fraudulent transaction on my Cash App account. Despite repeated attempts to address this with Cash App, I have not received an adequate investigation or resolution. On XX/XX/year>, a fraudulent charge of {$350.00} was made to my account to XXXX XXXX, which I did not authorize nor initiate. I immediately reported the issue to Cash App 's customer support team, expecting a thorough investigation to be conducted. However, despite providing all necessary documentation and details, Cash App has failed to take appropriate action to investigate this transaction and has not refunded the funds. The lack of response and attention to this matter has left me frustrated and concerned about my account 's security and financial information. As a consumer, I rely on digital payment platforms like Cash App to safeguard my financial transactions, and their inability to provide proper support and resolution is unacceptable. The amount was deducted from my case app balance, not my checking account,, and I can not be disputed it through my banking institution. I am requesting that the CFPB take appropriate action to investigate this case and ensure that Cash App conducts a full and fair review of the fraudulent transaction, resulting in the prompt return of my {$350.00}. I have attached copies of all relevant documentation, including the transaction details, my communications with Cash App, and any other supporting materials. I trust that the CFPB will help resolve this matter promptly. Thank you for your attention to this urgent issue. I look forward to your response. Sincerely, XXXX XXXX I have attached the XXXX receipt and I am waiting on PR to be mailed as I am not in XXXX GA and I was there at the time my phone was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
I contacted XXXX and Experian about the XXXX reporting collections they both have on my consumer report. The debt has been cancelled with a XXXX for both reporting collections and I have disputed the collections but XXXX and Experian fail to remove the collections even after I disputed them. They are in violation of my rights.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT 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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation