vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
My account with XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 those account 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. 


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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
The company negligently mishandled my accounts and personally mistreated me for years. They then retaliated against me and closed my accounts after reporting them to the CFPB. They were told to STOP sending me solicitations or communications of any kind. The company has seemingly decided to sign me up for credit monitoring communications without my consent. I received a " XXXX '' communication on XX/XX/year> without any consent to receive such information from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-06-12 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Affirm issue me an installed loan in the amount of {$3200.00} for purchase of an item from a third-party using their Affirm virtual card product.

The merchant from whom the purchase was made is XXXX, an online seller marketplace. 

I ended up returning the purchase and was issued a full refund to my Affirm virtual card by the merchant, XXXX which they confirmed had been settled by their payment processor, XXXX on XX/XX/XXXX. Additionally, XXXX has provided a trace ID number from XXXX substantiating that the refund was settled successfully. 

In other words, Affirm received a refund in full for this purchase with the money posting to their account on XX/XX/XXXX. 

To date ( XX/XX/XXXX ) I have yet to have that refund applied to my Affirm card and/or account. The loan is still active, still being charged interest, and I have been unable to resolve this in a timely manner.

I have contacted Affirm at least three separate times on this issue. They placed the loan in dispute and have claimed to reach out to their payment processor. My loan continues to be marked as delinquent and Im unsure if they will mark it as such on my credit report.

Additionally, Affirm relays deceptive and misleading information regarding returns on their website. They claim fairly standard 3-5 business days for a return to process on their website and any published articles and materials, yet through their online automated prompts and service representatives claims a much longer 3-45 days. This is wholly and entirely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CA

Complaint narrative:
XX/XX/XXXX XXXX  XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report, XX/XX/XXXX XXXX  ran a credit check on my report XX/XX/XXXX XXXX XXXX account open I would like to remove the open account and remove the inquiry on my 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 2024-06-13 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 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 those accounts 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. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-06-13 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
When booking my stay with Marriott XXXX on my app and with physical brochures on site at the hotel, XXXX offered XXXX bonus points after I spend {$3000.00} and a {$250.00} E gift card received upon approval instantly to use for my stay or for future stays not only do I have the brochure physically I have screenshots from the day. My approval was given showing the gift card and disclaimers after I contacted the company Marriott. They told me that it was XXXX that provides the offer and I would need to contact them to receive faster service I contacted them the day XX/XX/XXXX ( same day as application and approval ) and did not receive a response until the XXXX of XXXX. I can provide all the proofs and documentation if needed I contacted the company a second time after receiving the response stating that they do not offer a {$250.00} E gift card I provided them with the proof as well. They seem to not care much about it and told me that is not something they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NM

Complaint narrative:
XX/XX/year> {$540.00} 15 USC 1692C ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication.

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 2024-06-12 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
recently i found several inaccuracies on my recent consumer reports on the account by the name of XXXX XXXX XXXX account # XXXX this account is hurting my ability to obtain credit. all the bureaus need to investigate this account for me because I found multiple inaccuracies. Experian, XXXX, XXXX please ensure accuracy 100 % accurate with all information verified as accurate.

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 2024-06-12 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: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I would like to file a complaint against Sequuim and XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each XXXX was initially sent to all companies on XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX or more times a day Portfolio recovery associates calls using numbers that show as spam with same area code as mine when my XXXX assistant inquires as to the nature of the call there is no reply On the occasion I have answered they are using autodial and after stating that it's portfolio recovery associates the machine disconnects. Also when I return the call blocking my number it say portfolio recovery associates and hangs up. It's spam and possible fraud as I have no outstanding debit in collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
While reviewing my XXXX credit report I notice the following collection. But I have no idea about this account, this is a fraudulent account opened with my name. 
Account name : XXXX XXXX XXXX Account number XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$690.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$690.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Months ago, we received a letter from XXXX XXXX XXXX XXXX that a data breach had exposed our personal information and that we were being offered " free credit monitoring '' for a year from Experian credit monitoring services. Only XXXX of us could register for the " free credit monitoring '' so we used my personal information. We are a married couple and our credit is very entertwined. So I entered all my personal information to start my " free credit monitoring! '' account with user name, password, all my information including Social Security number, email address. 
I started getting email messages nearly weekly from Experian, with the subject " Your credit information has changed '' or " activity on your credit report '' or " see the activity on your credit history '' So I log on to Experian and my account is unavailable to me. If I enter my user name and password, I get the message " no account under this name or password '' Then I try to contact Experian to see why I can not get into my " FREE CREDIT MONITORING '' and they do not reply. Ever. If I call them, they say I must mail in all kinds of personal ID etc. It's a waste of time. 
I gave up on my supposed " FREE Credit Monitoring! '' Months pass. About weekly I get those emails from Experian " Check your credit report! '' " New activity on your Credit report! " You have a new Credit report! '' Still can't log in. 
More months pass. We get a second letter from XXXX XXXX XXXX. Same as the first. THIS time we enroll my husband in the free credit monitoring. Enter all his numbers etc. I made extremely careful notes of the User name, Password. Careful. Now we are getting more and more emails " New activity on your Credit Report! '' " Log in to see the activity on your Credit Report! '' I go to log in, enter his user name and Password. get the very same message " No account under this user '' try again " Incorrect Password '' WRITE customer service at Experian. NO reply. I want to know why Experian is able to conduct this scam. They email us, but refuse to log us into our credit report. Which is supposed to be free. Experian has no intention of allowing us to get the free credit monitoring due to the XXXX XXXX XXXX breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I would like to file a complaint against Department of education, for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each XXXX was initially sent to all companies on XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: Tower Loan of Mississippi, Inc.
State: GA

Complaint narrative:
I would like to file a complaint against XXXX and Towr Loan for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NC

Complaint narrative:
i recently review a copy of my credit report and i notice i had fraudulent accounts on my report. please remove these accounts from my report, 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