vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: FL

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

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

I demand the late payment reported in 60 days 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 XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-13 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:
XXXX XXXX XXXX XXXX SS # XXXX XXXX Complaint Experian This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C {$1600.00} c-2 ) that you, the Experian credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards opened at XX/XX/XXXXXX/XX/XXXX with an account number XXXX, an auto loan with XXXX XX/XX/XXXX NA opened on XX/XX/XXXX with an account number XXXX and a balance of {$38000.00}, an auto loan opened with XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number XXXX, a bank account at XX/XX/XXXXXXXX XXXX XX/XX/XXXX. XXXX with an account number XXXX, a credit card with XX/XX/XXXXXXXX XX/XX/XXXX with an account number XXXX, XXXX XXXX a charge card opened XX/XX/XXXX with an account number XX/XX/XXXX****. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report maintained by you which shows the aforementioned accounts, collections, charge offs, and hard inquiries, are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint # as proof of the federal trade commission that all of the aforementioned consumer credit account, charge offs, collections, and hard inquries are the result of identity theft and fraud.

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
{$79.00} should have been subtracted from the {$300.00} XXXX XXXX hold on XX/XX/year> leaving me with {$220.00} back into my account from a pending transaction from XXXX XXXX in XXXX. I have the receipt showing that I am due that amount. I have spoken to Cash App several times via chat and phone channels and each time they have refused to provide the money back to me despite proof and receipts from XXXX being sent to them. I checked out of the hotel on XX/XX/year> and the hotel says they released the hood upon checkout. Cash App is using deceptive practices, avoidance techniques and trick their users into believing that it is the hotels fault and standard practice to make someones pending transaction remain in pending status until more than a month which is when they claim they will then investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XX/XX/year>, I've experienced ongoing issues with Experian. For half of the past four years, I've struggled to remove fraudulent accounts. One moment I have a credit score, the next I don't. I felt forced to use their XXXX XXXX XXXX, which temporarily provided a score, but today, it's gone again. Whenever I request a supervisor or manager, they're unavailable and never return calls. I'm fed up with the excuses and run around. They advised removing the Boost and reapplying it, yet my score remains absentit was XXXX just two days ago.

I refuse to be caught off guard by an unexpected zero score and the rejections that follow. Moreover, I'm frustrated with Experian sharing my information with telemarketers and student loan companies despite my opt-out.

Now, facing another year 's delay in addressing my housing situation, I hold Experian accountable for the {$47000.00} loss I've suffered. For four consecutive years, I've been negatively impacted by Experian 's failures, living with mold, a leaky roof, unsafe flooring, and now the potential loss of my property.

I believe Experian is committing serious ADA violations, in addition to disappearing acts with my credit score.

The ordeal began with inaccurate credit reporting, followed by fraudulent activity and the addition of unfamiliar names, compelling me to declare bankruptcy to halt the identity theft Experian continuously overlooked. 

I am weary of being told that purchasing their product is the solution to these issues and will not be forced to buy a product just to fix their failures. 

I will not wait 30 days for a response to this before filing legal action. I want Experian to deal with this issue directly without further delay, unless of course, they want to pay for the damages and take their sweet time fixing their problems once and for all. ANY Score less than what I had two days ago is UNACCEPTABLE!

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 2024-08-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always pay my bills on time. I am confident about this. I don't understand why this company reports me as late some months. According to USC 1666b, any billing errors should be corrected and marked as paid on time.

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 2024-08-12 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 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 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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Credit report shows expected to be removed in XXXX however this lease was in XXXX. This is a huge mistaking and impacting me finanically. 

This account information needs to be updated and removed as it continue to be inaccurate. Please remove this tradeline as these mistakes continue to impact my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Early Warning Services, LLC
State: MI

Complaint narrative:
Subject : Complaint Against XXXX XXXX  for Violations Related to a Fraudulent Checking Account Dear Sir/Madam, I am writing to lodge a formal complaint against XXXX XXXX regarding their attempts to collect a debt associated with a fraudulent checking account at XXXXXXXX XXXX . I believe their actions constitute a violation of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ). 

On [ XX/XX/2024 ], I was contacted by XXXX XXXX concerning a debt they allege I owe on a checking account that I did not open or authorize. This account is fraudulent, and I have taken steps to report the fraud to XXXX XXXX  and the appropriate authorities. 

My specific concerns are as follows : 1. **Fraudulent Account** : The checking account in question was opened without my consent, and I have no association with this account. XXXX XXXX has no legitimate claim to collect any debt arising from it. 

2. **Lack of Proper Notification** : I did not receive any prior written notice from XXXX XXXX regarding this alleged debt or its origin. 

3. **Unauthorized Access** : XXXX XXXX appears to be attempting to collect on a debt related to a fraudulent account, which raises serious questions regarding their permissible purpose to access my personal information. 

4. **Failure to Provide Verification** : Upon my request for verification of this alleged debt, XXXX XXXX has not provided adequate documentation proving their right to collect on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Apelles, LLC
State: MI

Complaint narrative:
Subject : Complaint Against APELLES LLC for Violations Related to a Fraudulent Checking Account Dear Sir/Madam, I am writing to lodge a formal complaint against APELLES LLC regarding their attempts to collect a debt associated with a fraudulent checking account at XXXXXXXX XXXX . I believe their actions constitute a violation of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ). 

On [ XX/XX/year> ], I was contacted by APELLES LLC concerning a debt they allege I owe on a checking account that I did not open or authorize. This account is fraudulent, and I have taken steps to report the fraud to XXXX XXXX and the appropriate authorities. 

My specific concerns are as follows : 1. **Fraudulent Account** : The checking account in question was opened without my consent, and I have no association with this account. APELLES LLC has no legitimate claim to collect any debt arising from it. 

2. **Lack of Proper Notification** : I did not receive any prior written notice from APELLES LLC regarding this alleged debt or its origin. 

3. **Unauthorized Access** : APELLES LLC appears to be attempting to collect on a debt related to a fraudulent account, which raises serious questions regarding their permissible purpose to access my personal information. 

4. **Failure to Provide Verification** : Upon my request for verification of this alleged debt, APELLES LLC has not provided adequate documentation proving their right to collect on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
This was a dispute with XXXX XXXX. I went to have a XXXX  put in and provided all my insurance information and they did a full review and provided me with my portion of the procedure, which I paid immediately. The entire procedure took about 45 days. After everything was complete, they stated I owed {$670.00}. I told then they had every opportunity to make the unverified amount prior to the procedure being started, after they contacted my insurance and determined what was going to be covered. 
They have tried to make this collection with at least 5 other companies, all of which denied to move forward with the collection attempt based on my feedback to them. 
The current collection agent, Wakefield & Associates made no attempt to contact me prior to adding the collection account to my credit report. If they would have done their due diligence, they would know this collection attempt is not a valid one

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting delinquencies inaccurately on an account that is a forbearance status. Resulting in Derogatory reporting on my credit report by Transunion.

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 2024-08-12 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: TN

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2024-08-12 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: GA

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 account listed without my expressed written consent.

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 2024-08-12 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: EQUIFAX, INC.
State: GA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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