vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
XXXX requested to have false eviction removed my account came back verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
A purchase was made while I was incarcerated in the total amount of {$1600.00}. 
Im not responsible for the purchase, but can give you an idea who might. The XXXX XXXX  card was closed on XX/XX/XXXX, and when I tried to get the financial debt dealt with, theyre saying I could possibly still owe that amount. I just want to dispute the payment with the company by providing them with correct and accurate information, yes I did open a credit card in XXXX the year of XXXX XXXX not denying that. I reassured issue that its wasnt me that could possibly had make a purchase in that amount, I was incarcerated. I have fraud on my credit report that includes addresses and phone numbers that were unverified by me. Also I have my XXXX XXXX XXXX XXXXXXXX transcript from my conviction date and release 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: AZ

Complaint narrative:
A purchase was made while I was incarcerated in the total amount of {$1600.00}. 
Im not responsible for the purchase, but can give you an idea who might. The Discover credit card was closed on XX/XX/XXXX, and when I tried to get the financial debt dealt with, theyre saying I could possibly still owe that amount. I just want to dispute the payment with the company by providing them with correct and accurate information, yes I did open a credit card in XXXX the year of XXXX XXXX not denying that. I reassured issue that its wasnt me that could possibly had make a purchase in that amount, I was incarcerated. I have fraud on my credit report that includes addresses and phone numbers that were unverified by me. Also I have my XXXX XXXX XXXX XXXXXXXX transcript from my conviction date and release date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My previous bill due date was XX/XX/XXXX. I paid the XX/XX/XXXX bill on XX/XX/XXXX ; above the minimum. On XX/XX/XXXX, I paid the bill for the XX/XX/XXXX due date in the amount of {$550.00} ; above the minimum. I received notice that a minimum payment was due again on XX/XX/XXXX or late payment fee would be assessed. I contacted Capital One and spoke with two different customer service representatives, one spoke with a supervisor. Capital One said the payment that was made on XX/XX/XXXX posted to the previous bill that was due on XX/XX/XXXX and that is why I'm receiving notice of a payment due. They instructed that I need to pay at least the minimum payment or a fee would added for late payment. I asked if I made a payment 3 days after the due date would I still receive a late payment fee. They replied I would still receive a late payment fee. The did not disclose that any payment made after the due date would be applied to previous bill, nor would they allow the payment to be 3 days late without a fee. All of my payments have been early and above the minimum due, but I am being punished for paying early. I have since closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and inconsistent reporting of the following XXXX XXXX XXXX accounts on my credit report : * Account # XXXX : Reported as " Derogatory '' with inconsistent last payment dates and status updates across different credit bureaus. 
* Account # XXXX : Displays similar reporting discrepancies, and my previous consumer dispute remains unresolved. 

I believe that XXXX 's reporting and collection practices may violate several federal statutes, including 15 U.S. Code 1681i, 1681s-2, 1692g, and 1681n.

I respectfully request that you : 1. Conduct a full investigation into the inconsistent reporting of these accounts.

2. Require XXXX to validate the debts with proper documentation, including original agreements and payment histories. 

3. Remove the accounts from my credit report if XXXX can not provide accurate and verifiable records. 

4. Ensure XXXX complies with all relevant federal laws regarding fair credit reporting and debt collection. 

I kindly request a written response detailing your findings and any actions taken to resolve these discrepancies. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and inconsistent reporting of the following XXXX XXXX XXXX accounts on my credit report : * Account # XXXX : Reported as " Derogatory '' with inconsistent last payment dates and status updates across different credit bureaus. 
* Account # XXXX : Displays similar reporting discrepancies, and my previous consumer dispute remains unresolved. 

I believe that XXXX 's reporting and collection practices may violate several federal statutes, including 15 U.S. Code 1681i, 1681s-2, 1692g, and 1681n.

I respectfully request that you : 1. Conduct a full investigation into the inconsistent reporting of these accounts. 

2. Require XXXX to validate the debts with proper documentation, including original agreements and payment histories. 

3. Remove the accounts from my credit report if XXXX can not provide accurate and verifiable records.

4. Ensure XXXX complies with all relevant federal laws regarding fair credit reporting and debt collection. 

I kindly request a written response detailing your findings and any actions taken to resolve these discrepancies. Thank you for your attention to this matter. 

Sincerely, 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-30 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: TN

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating that the account is accurate without providing evidence of a thorough investigation of disputes. This practice violates the fair credit reporting act. ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
These negative inaccurate accounts on all three of my credit bureaus should not be there. From XX/XX/year> until present. 

XXXX TranUnion XXXX Has not done a proper investigation on none of my 3 major credit 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 2025-01-30 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: NJ

Complaint narrative:
These negative inaccurate accounts on all three of my credit bureaus should not be there. From XX/XX/year> until present. 

XXXX XXXX Equifax Has not done a proper investigation on none of my 3 major credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX  XXXX Account Number : 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 2025-01-30 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: MI

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 explanation
Consumer complaint received 2025-01-30 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 account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company 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 2025-01-30 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company 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 2025-01-30 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: GA

Complaint narrative:
I Recently Received A Copy Of My Credit Report And Noticed Several Inaccurate and Unauthorized Accounts/ Information Reporting To My Credit Report. These Remarks Have Been Detrimental To My Life And Credit Health.

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 2025-01-30 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: GA

Complaint narrative:
I Recently Received A Copy Of My Credit Report And Noticed Several Inaccurate and Unauthorized Accounts/ Information Reporting To My Credit Report. These Remarks Have Been Detrimental To My Life And Credit Health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I paid the XXXX in XX/XX/year>. Got notice that I had fulfilled the obligation and nothing more was needed. Starting getting delinquent notices IN XX/XX/year>. Called and was told to send an email and they would close it. They never did. Then they said the money was sent to title company but never provided the Federal number for the wire transfer. Now saying again they sent the funds back to the title company but the title company doesn't have the funds and when I called Shellpoint they still can't provide me with a federal wife transfer number. I got told I had to submit the request in writing in a letter to Shellpoint

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 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I enrolled in a payment plan for dental care with XXXX XXXX and had agreed with them to make a monthly payment of {$140.00}, including the interest for a bill of {$2500.00}. The payment plan started by XX/XX/XXXX and was suppose to end XX/XX/XXXX. I made the payments monthly and always more than the minimum amount ( {$36.00} ) required monthly. To my greatest surprise i was notified that i am still owing about {$4300.00} just for interest. I called their office and the told me i was on a promotion and that the promotion ended XX/XX/XXXX, which I was not aware of. I had finished the {$2500.00} by XX/XX/XXXX as concluded but issuing a new bill of {$4300.00} just for interest after I had paid the the outstanding balance. I find it very abusive and extremely heartless with the financial constraints and commitments i have. I will appreciate your help. Thanks

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