vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Consulting Agency LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I sign up for home security services with XXXX XXXX XXXX located in XXXX NC, an authorized provider for XXXX, XXXX. 
Due to military XXXX to the XXXX XXXX, I cancelled my service in XX/XX/XXXX. I informed the XXXX customer representative of the reason for the cancellation and provided a copy of my official military orders. The representative informed me that I would incur no early cancellation cost because my cancellation is protected their policy. 
Shortly after the cancellation with XXXX, I received a suspicious XXXX invoice ( # XXXX ) from XXXX XXXX XXXX for the amount of {$2200.00} on XX/XX/XXXX for early termination. The invoice was suspicious because I never made any payments to XXXX XXXX during the time I had home security service. All payments were made to XXXX. 
I continued to receive multiple phone calls from them even after informing them that my cancellation is covered by XXXX policy and the Service member Civil relief act ( SCRA ) and that I have a zero-balance letter from XXXX. 
The phone calls eventually stopped after forwarding the letter to one of their employees. 
On XX/XX/XXXX, GLOBAL CONSULTING AGENCY flagged my account as Collections on behalf of XXXX XXXX XXXX for the amount of {$2200.00}. 
On XX/XX/XXXX, at around XXXX, XXXX customer service representative XXXX XXXX call reference # : XXXX ) reiterated that my cancellation is protected by XXXX XXXX and that Impulse XXXX XXXX XXXX not have charged me for any fees. I filed a dispute with XXXX on XXXX XX/XX/XXXX and submitted my official military orders, a XXXXbalance letter from XXXX and the XXXX invoice. On XXXX XXXX, the report was finalized with the following statement from XXXX : The dispute for the account with GLOBAL CONSULTING AGENCY that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
I should not have incurred a debt per XXXX policy and the Servicemember Civil relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank NA/Macy 's has a predatory habit of assessing late charges to accounts before the due date. Most recently, my CBNA/Macy 's bill due date was XX/XX/24 and they charged me a {$41.00} late fee on XX/XX/24 despite the fact that I had already made a payment by phone on XX/XX/24. I made several attempts to speak with agents for explanation and to request reversal of the late fee since I made payment by phone on the due date, dated XX/XX/24 however they refuse to reverse late fee.

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 2024-06-25 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: WA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Equifax for not removing a closed charge-off account from my credit report despite disputing it three times. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ). 

The account in question is beyond the seven-year reporting period allowed under the FCRA. The charge-off occurred more than seven years ago, from the date of first delinquency, and should have been removed from my credit report. Both XXXX and XXXX have already removed the closed charge-off account, but Equifax has failed to do the same. 

Please assist in ensuring Equifax complies with the FCRA and removes this outdated account from my credit report. 

* Attaching credit reports from XXXX and XXXX to show closed/charge-off account arent being report by them* Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a credit card with Capital One. XXXX charges it once a year for XXXX XXXX. My wife signed up for it several years ago, but she XXXX XXXX XXXX year 's ago. I was finally able to get through to XXXX last year and they assured me that no future charges would be forthcoming. Yet on XX/XX/XXXX of this year they charged me once again. I have made repeated efforts to contact XXXX both by phone and by their web page, following their instructions. However, they have set up things so that there is not option to cancel the service, and they automatically hang up on you when you call their help line, or thier XXXX XXXX headquarters. You should try it, and you will see exactly what I mean. it is like a boilerhouse operation. They should be ashamed of themselves. I am so disappointed that a major U.S. based company behaves like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I applied for an account with XXXXXXXX XXXX. WAS DENIED and was sent a letter stating my early warning services report had that i did fraud with XXXX XXXX, which incorrect. I filed a complaint to have this updated via XXXX XXXX and received a letter that my claim was valid. this was back in XXXX. 

Early warnings service still haven't removed this derogatory mark on my account which prevents from from other banking accounts, or anything financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NJ

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

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

I demand the late payment reported to be removed/updated.

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Unverified and unauthorized inquiries appear on my Experian credit report. I have called to request their removal, but no action has been taken. 

XXXX. XXXX XXXX XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XX/XX/year> AND XX/XX/year> XXXX. XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Under the FCRA, it is a legal requirement to delete unverified and unauthorized items.I have requested Experian to delete. has not been completed.

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 2024-06-25 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: NM

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 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: NY

Complaint narrative:
I asked transunion to remove items from my account. I intent to sue this company. They have yet to do so.

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 2024-06-25 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-25 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: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 months reported 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 non-monetary relief
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from XXXX XXXX XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.

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 2024-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is in regard to report # XXXX. On XX/XX/year>, I contacted Experian regarding inquiries on my account that I have not authorized I do believe they're stalling to not address the issue. I'm attaching a copy of my social security card, a bill with my address, the letter I mailed then, and a certified copy of receipt.

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 2024-06-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Debt was paid and settled, company is reporting that it was never paid, have sent in copies of endorsed checks by the company and they are still reporting that it is unpaid

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 2024-06-25 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: NM

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: AR

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX  XXXX Listed below are the Collections that are being challenged FAIR COLLECTIONS & OUT - XXXX Listed below are the Inquiries that are being challenged ADVANTAGE XXXX XXXX XXXX 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 OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with 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 months reported 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 2024-06-25 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Company NEVER sent verification of debt I never received notice of debt before applied to credit never received anything in writing multiple calls outside of business hours. 
Sent cease and desist letter awaiting response and removal from credit. Shows as open and past due. Also, National Credit System has no license to work in Texas per the XXXX XXXX XXXX XXXX XXXX. Below is copy of the letter sent. 

Dear National Credit Systems, I am writing to formally request that your company, National Credit Systems, cease and desist all communication and collection efforts regarding the alleged debt associated with my account, XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( b ), I am exercising my right to demand that you refrain from reporting any information about this debt to any credit reporting agency. 

Please take note of the following details related to my account : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX I dispute the validity of this debt and request that National Credit Systems provide verification of the debt as required by the FDCPA. Until such time as you can provide adequate verification, all collection activities must cease immediately, including any reporting to credit bureaus. 

Please consider this letter as a formal notification under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

Furthermore, any further attempts to contact me via telephone, mail, or any other means except to confirm receipt of this notice or to provide requested verification will be considered a violation of the FDCPA. 

Please send all future correspondence regarding this matter exclusively through written communication to the address provided above. Your compliance with these requests is expected and appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a natural person, i am a living human being. i have right under 15 USC 1681 Equifax is goven by 15 USC 1681. and they violated my right numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief