vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH 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 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 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 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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I paid a XXXX XXXX  with my Navy Federal Credit Card and the guy made a charge for {$610.00} dollars on my credit card and the charged should has been no more than the eauivalent to {$20.00} us dollars. I been asking Navy Federal hundreds of times to complete an investigatino with the financial institution in XXXX and they refuse to help me. Navy Federal want me to produce documents that I don't have : XXXX Receipt from the vendor ( XXXX XXXX ) the guy never gave me a receipt. I don't have it, IT'S IMPOSSIBLE FOR ME TO REPRODUCE XXXX. THAT WILL BE FRAUD ON MY END. 

XXXX Navy Federal wants me to produce documentation that I paid the vendor ( XXXX XXXX in a diferent wat or form. I DID NOT. I ONLY PAY WITH MY CREDIT CARD. I CAN NOT PROVIDE SOMETHING THAT NEVER HAPPENED. 

And becasue I don't have the documents, -Becasue they never existed_ Navy Federal refuses to help me.

This is not going to end here. Im willing for misery {$610.00} cents to make some noise againt Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
Have had a XXXX XXXX account since XX/XX/XXXX. Have never had a late payment. Father was primary contact on card until deceased on XX/XX/XXXX. No problems until XX/XX/XXXX. I requested to become primary contact on account. Was given a form to fill out, which I did and returned to XXXX. Was then told I filled out incorrectly, so I requested it to be sent back to me to be corrected by email. XXXX agreed to do that & send it by regular mail. I didn't receive either email or regular mail. 

XXXX then cancelled the whole account on XX/XX/XXXX due to not receiving their KYC form back. When I called to explain situation & get account back active I was told multiple times that wasn't an option. The best scenario they gave me was to re-apply for a new account. 

I'm fine with having to do that or get a different card company to give me an account, but we had XXXX rewards points to redeem. XXXX will not honor those points as they stated the account was closed, not due to non-payment, and could not honor the request. 

Being delinquent, lying on an application, or just wrong on how to operate business is grounds for termination with cause. This is not that scenario.

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 2024-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NM

Complaint narrative:
XX/XX/XXXX We requested to have XXXX accounts merged into a Payment Plan. We made payments on this plan from XX/XX/XXXX to XXXX XXXX ( XXXX payments ). At the time of this agreement we were informed that we would receive a monthly statement with a payment slip that we returned with the payment and the statement had a running balance of our XXXX accounts and the amount of payment we had agreed upon. The XXXX XXXX XXXX XXXX running balance of our account matched our records of payments made until XX/XX/XXXX. Then in XX/XX/XXXX when we received what we thought was our monthly statement, instead we received a new bill with a different amount. We contacted the XXXX XXXX XXXX XXXX billing department to get copy of our Payment Plan Agreement and the history of our payments made. Since XX/XX/XXXX until today we have not been able to get this information. From the beginning of this process we were concerned that we would be turned over to a collection agency. However despite repeated assurances from XXXX billing department that we would resolve the issue, we have now been turned over to a collection agency. If you would be able to assist us in this matter we would appreciate any help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: MD

Complaint narrative:
This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-16 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
FTC Report XXXX : XXXX. XXXX XXXX XXXX XXXX response was a clear stall tactic to ask for a FTC Report when I've already submitted it through the XXXX website. Clearly you don't understand consumer law. So let me send this again FTC Report XXXX : XXXX. Look it up! This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You { XXXX XXXX XXXX XXXX } You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged XXXX immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. XXXX XXXX XXXX XXXX stated they need to reach out to the original creditor WOW! So you only have an itemized bill with my name on it and no proof that I own this debt! But XXXX XXXX XXXX XXXX XXXX stated to proceed to ask the original creditor for the contract Wow! XXXX XXXX XXXX XXXX purchase this account and I dont have any contracts with Express XXXX XXXX XXXXDELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 
Account name Acct # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding LLC. This company wants me to pay for a credit card I paid on but refuse to work with me. Have now sent my information to a lawyer and they are coming after me. They wouldnt work with me I paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: CA

Complaint narrative:
This is my second notice about these fraudulent items that I have already reported to the Federal Trade Commission. These fraudulent items on my credit report are allowing unauthorized access to my 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 explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - 1997 Listed below are the Accounts that are being challenged XXXX - XXXX XXXX/DEPT OF ED - XXXX XXXX/DEPT OF ED - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-16 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: FL

Complaint narrative:
XXXX tried to call me during my work hours to resolve an issue, but she provided incorrect information to CFPB and did not adequately resolve the problem. Additionally, I never consented to Capital One to open a bank account ; I only agreed to open a savings account to receive {$300.00} as an incentive to open a savings account. When I called them before filing this complaint at CFPB, they were confused and unable to provide a consistent explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I did not apply for the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was involved in an auto accident with a vehicle owned by the State of Utah. I gave my insurance information at the scene. 

My insurance ( XXXX ) paid out. 

After my insurance paid out, the state ( I think their Division of Risk Management ) mailed me asking for ~ $ XXXX. My car insurance company said don't pay it, they've already paid and will handle it. 

Two years later, I get mail from the Division of Finance saying to send ~ $ XXXX to their Office of State Debt Collection. 

I call them and say it's not legitimate. They say they won't verify the debt, but I can try to figure it out myself. I confirmed with my past insurance company that the claim was already settled. I emailed the Division of Risk Management and they said they'd fix the debt collection issue. 

Two months after that, I just received mail from Transworld Systems Inc. asking for even more money, again related to the car accident that they keep trying to double-charge me for. 

Can these clowns stop mailing me false bills before I have a XXXX  XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received an offer from Chase Bank quite a few times over the last year. I finally relented and decided to try them out a few months ago. The welcome offer that I decided to try had a welcome bonus of XXXX dollars if I opened a new checking and savings account and created a direct deposit and deposited {$15000.00} into a savings account and maintained that balance over the course of 90 days. After creating the accounts with the coupon code and fulfilling the balance requirements and getting a direct deposit from the IRS, I double checked with them that all the requirements were fulfilled. The representative said they were and that I would be receiving the XXXX dollar bonus. After waiting some time and not seeing the bonus I called again and spoke to a XXXX and a representative who both told me that it was merely delayed and that I would be receiving the bonus the next XXXX. After calling a third time, I was sent to someone who said that I would not receive the bonus. She believed it needed to be a direct deposit that was reoccurring every week or XXXX and that once a year deposits would not qualify. When I told her that her stipulation wasn't even in the fine print and that I had been told it did qualify by several others, she did not appear to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I filed the same complain again, as XXXX XXXX XXXX is not resolving the issue, i.e. to credit my earned XXXX XXXX miles to my XXXX XXXX number XXXX, which number are shown on my XXXX XXXX XXXX monthly statements since XXXX, XXXX! 

The number XXXX that XXXX XXXX XXXX linked to in XXXX was NOT my XXXX XXXX number! I had the XXXX XXXX XXXX XXXX corrected it and linked my XXXX XXXX XXXX to the my correct XXXX XXXX number XXXX. As XXXX XXXX XXXX corrected their mistake on incorrect XXXX Member number, the company should correct their mistake and to credit my earned XXXX XXXX miles to my XXXX Member 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 2024-07-16 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:
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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-16 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:
" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute inaccurate information on my credit report. The following information is incorrect : XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXXXX/XX/year>. Not Authorized XXXX XXXX XXXX XXXX  XX/XX/year>. Not Authorized I have carefully reviewed my credit report and have found discrepancies in the information provided. I have never applied for credit with the following companies, which are liste above. These inquiries listed above, are beaing reported are incorrect, and misleading. This misinformation is negatively impacting my credit score and financial standing. 

I am requesting that Equifax, investigate this matter and remove the inaccurate information from my credit report. I have enclosed copies of relevant documents, including proof of payment history and correspondence with the creditor, to support my dispute. 

I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed information within 30 days of receiving a consumer dispute. I kindly request that you expedite this process and provide me with an update on the status of my dispute. 

Please send me written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation