vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Lendtable Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I saw a XXXX about a company that would reimburse you for the amount you contributed to your XXXX so you could get your full match and then you could pay them back plus a small fee after a year or more. They said they would work with your XXXX company to extract what was owed to them from your XXXX. There was nothing about it being a loan or there being interest charged beyond a {$10.00} fee per disbursement. It sounded like a great way to get my full company match and a little breathing room for my expenses. I should have known it was too good to be true. 

The company didn't disclose that they expected that you would take out a loan from your XXXX to pay them back. They also didn't disclose clearly that they could increase their fees at anytime by any amount. Once I owed about {$3500.00} or {$4000.00}, they increased their fees from {$10.00} per disbursement to {$50.00} per month. You could either pay the full amount owed or continue at the new fee. I didn't have that kind of money available to pay to them, so I was forced to continue. 

A few months later, in XX/XX/XXXX, they said they could no longer continue disbursements until either I paid half of what was owed to them ( $ XXXX ) or I could stop participating and I would owe them all a payment in full immediately ( $ XXXX ). This notice was provided with no notice to change my paycheck and my contribution status and only 25 days to when the full payment was due. 

No one who would participate in a program like this has money just sitting around or the wouldn't participate. I reached out to XXXX to see if they offered payment options, but none of the options would allow my balance to stop accruing and none of them would offer a payment amount lower than {$400.00} per month. Again, this was provided to me with 25 days notice. 

A change in payment terms and a half or full balance due feels predatory in nature especially when these were not the terms I agreed to at the start of the program and this was not how the program was advertised. It was only once I was enrolled and already owed over $ XXXX that they started changing the repayment timeline and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Both files are fraudulent and dont belong to me. Both accounts are reporting different balances even while company tried to say they verified debt. Company has stated they won run disputes because theyve ran them accurately. XXXX will show that was a lie as well as their attempts to collect incorrect amounts with information they stole from my person file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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:
This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian and XXXX failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
Dear CFPB, I am filing a second complaint ( following # XXXX ) regarding U.S. Bank 's recent actions concerning my accounts and those of my minor daughter, XXXX XXXX XXXX 

U.S. Bank is planning to close several of my personal, business, and credit card accounts ending in XXXX, XXXX, XXXX, XXXX and XXXX on XX/XX/year>, without providing a clear explanation. Simultaneously, they have requested that I increase the credit line on XXXX of my remaining accounts. This creates confusion. 

Furthermore, U.S. Bank has involved my XXXX daughter, XXXX XXXX, who also has a deposit account with them. 

I have attempted to obtain a clear explanation from U.S. Bank, but their responses have been vague and unsatisfactory. While I understand they may have the legal right to close accounts, they did not disclose this right during account opening, especially the personal, business, credit cards and line credit accounts opened by XXXX XXXX XXXX. 
and his suggestions. 

I believe consumers deserve transparency and a clear explanation, especially when the actions involve a minor. These actions may negatively impact my financial standing and my daughter 's future. 

I request that the CFPB investigate this matter and take appropriate action to protect my rights and those of my minor daughter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Kindly update my account this causing me a lot of stress and anxiety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atchison Account Management
State: MO

Complaint narrative:
I had a medical bill go into collections through atchison account managment from XXXX XXXX ive never recieved a bill with an amount or was shown an amount ive been paying on this debt for XXXX years and still owe almost the full cost of the bill the debt started out at XXXX and is just now under XXXX thousdand i havent received and documentation on this bill or what service i was being billed for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Credit Karma, LLC
State: FL

Complaint narrative:
I had a free Credit Karma credit monitoring account that someone was able to get into and change my login credentials. I've had my account for about XXXX  years now with the same email address. On XX/XX/2024, I noticed that I have not been receiving my weekly/monthly notifications from Credit Karma and hadn't for several months now. I tried logging into my account, and message stated there's no account associated with my email address, which is the way to log in. I am now confused as to why I am getting this error, so I contact Credit Karma. I explained that I am not able to log in. They asked me a few questions regarding my personal information and advised that I can create a new account. Also, I advised company that I have been receiving an unusual amount of credit offers and adverse notice actions, even for creditors I already have an account with. I asked if they could track down the user, since you do have to provide an email address to log in and they told me the only thing they can do is close my account. I contacted the XXXX  and filed a complaint. I also provided XXXX of many communications received from creditors I have no knowledge of. I am now convinced that my personal information has been breached, and I want this matter investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: KY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX : NUMBER XXXX Date : Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. 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 non-monetary relief
Consumer complaint received 2024-08-21 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: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I am Call all collection accounts in major violations Of XXXX and defamation of my character for Reporting debt Without sending Me proof of correspondence of Debt Validation notifying me that I had a debt by phone or mail was never sent me to Also All collection agencies below are under Violation of Try to collect charges in addition to the debt unless they are allowed by the contract or law Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt XXXX address or business name that doesnt indicate its in the debt collection business XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX All collections need to be removed from the account XXXX XXXX XXXX, and transunion XXXX also be facing arbitration suit if they keep defamation information on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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:
I am Call all collection accounts in major violations Of XXXX and defamation of my character for Reporting debt Without sending Me proof of correspondence of Debt Validation notifying me that I had a debt by phone or mail was never sent me to Also All collection agencies below are under Violation of Try to collect charges in addition to the debt unless they are allowed by the contract or law Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt XXXX address or business name that doesnt indicate its in the debt collection business XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXS Opened XX/XX/XXXX All collections need to be removed from the account XXXX XXXX experian, and XXXX XXXX also be facing arbitration suit if they keep defamation information on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: LEXISNEXIS
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

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 2024-08-21 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: TX

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 2024-08-21 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: AZ

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer 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 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I experienced a hardship and an account with Capital One was charged off. My accountant requested that I ask Capital One for a XXXXXXXX XXXX form. I have repeatedly asked for this from the creditor but I was told that they do not issue the XXXXXXXX XXXX  form for a credit card with a security deposit that is not an interest bearing account. This was not a secured credit card and I never put up front any security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: AZ

Complaint narrative:
This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX and Equifax failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief