vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: VA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING, AlSO INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called XXXX to get credit report and I noticed some inquiries that I dont know about due to law 15ufc1681b I have the right to dispute this and would like this off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
According to my previous complaint filed on XX/XX/XXXX Im requesting that you remove this debt immediately from my credit report and not sell to any other collection agency. Im requesting due to your response with the documentation provided with no balance from original creditor. The Fair Credit Reporting Act ( FCRA ) XXXX became effective on XX/XX/XXXX. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection XXXX such as the Truth in Lending Act and the Fair Debt Collection Practices Act. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On or about XX/XX/XXXX you called XXXX and asked if they showed any record of late payments. The said " NO ''. Then on XX/XX/XXXX XXXX supplied you with a document that verified no late payments were showing. See Attached Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I was trying to refund money from merchants who did not provide the service or effective service and then PayPal Discrimately limited my account and failing to give me my funds immediately to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-05 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
My account with XXXXXXXX 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 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 on my 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
My account with 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 on my 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made XXXX deposits into my account on XX/XX/year> at the ATM, during the transaction a notice appeared advising the deposits would be put on hold until XX/XX/year>, without giving me the option to cancel the deposit, therefore I no option in retrieving my checks back and was FORCED to continue the transaction. Chase bank then advises me that they could not " verify '' the checks using a phone number from the banks own proprietary verification system and they will not be proving me with my funds. After numerous attempts to have Chase rectify this matter they continue to hold my funds, a bank supervisor stated to me " we know the funds have cleared, we have received the funds from the Federal Reserve but unless we can contact the maker from a verified number using our system, you won't be getting the money. I was advised to have the maker issue a stop payment on the items, which is not possible and even if that were possible the funds have already been paid by my client 's bank which was XXXX XXXXXXXX XXXX and XXXX XXXX. Chase Bank is breaking the law and is causing me severe irreparable financial harm and they should not be allowed to continue this as I am just XXXX of many people that XXXX does this to, and this is not a " Fraud prevention '' measure which they claim as the supervisors I have spoken to clearly stated on recording that the funds have cleared, and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CT

Complaint narrative:
Capital, One claims to have resent an affidavit, in which case, nothing received to date. Affidavit is regarding check in amount of {$4200.00}. Their rep, XXXX, claims they can not recover funds due to length of time, in which case, this is their own error, failed to send affidavit when XXXX to their attention in XXXX, affidavit sent several years later, closed out in error, refused to reissue affidavit, has now decided to reissue .... Further, the rep claims any further attempt at recovering funds would have to be done with person who cashed check, in which case, person is nowhere to be found and not my responsibility to attempt to locate ... As stated, numerous times prior, the loss of funds is partly Capital One 's error, having stopped payment on initial check prematurely, did not allow sufficient time for check to receive, stopped payment on it after I had deposited it to my XXXX account, check then got returned back due to stop payment, second check reissued to my address while on vacation .... Check was intercepted by another party, cashed in my name, signature forged... When brought to Capital One 's attention, their rep, XXXX XXXX, failed to send affidavit, another error on end of Capital One .... If Capital One can not recover funds, it is party their own fault, as explained above. XXXX, XXXX, leaves a number to reach out, in which case, Capital One reps do not accept or return calls, as is evident from past experience...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NE

Complaint narrative:
Jefferson Capital systems is attempting to collect on a debt not owed and paid to the original creditor already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX accounts, a XXXX account and a XXXX Bank account were paid in full on XX/XX/year>. XXXX and XXXX show paid in Full with no negative remarks. 
XXXXXXXX XXXX  accounts show paid in full on XXXX and XXXX with no negative remarks. 

On Experian credit reporting in shows that all of these account have a negative remark and money is still owed on the XXXX XXXX accounts. 

I have confirmed with XXXX a week ago that I am paid in full and have a XXXX balance. I contacted Experian and they were very unhelpful. All they said was to call 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 non-monetary relief
Consumer complaint received 2024-06-05 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/year> I deposited {$620.00} into the Wells Fargo atm at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The atm starting glitching and taking forever to count my money I deposited, which it never has done to me before. I started recording the issue then a message eventually popped up saying your deposit is jammed and can not be returned and I took pictures of that error message. I called the Wells Fargo customer service number that was provided on the screen and they told me I had to wait XXXX business days for them to investigate and that stressed me out because its not my fault their machines are not working, but Im a single parent and I needed that money for school fees that I am trying to pay and they were really non chalant about the situation, I even spoke XXXX people and a XXXX person, and they all just carelessly said the same thing and I am needing my money returned back to me that was took.

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 monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NE

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt not owed and paid to the original creditor already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Account XXXX I received a copy of my credit report. I noticed that you are reporting this account incorrectly. The payment summary is not accurate at all. The following Dates are inaccurate, For the year XXXX XXXX is reporting XXXX, 90 days late, XXXX is 120 days late, XXXX is 120 days late and XXXX is 180 days late. EQUIFAX is reporting XXXX 90 days late, XXXX  120 days late, XXXX 120 days late and XXXX is reporting PAID ON TIME. XXXX is showing NO DATA CHARGE OFF AS BAD DEBT. Therefore is inaccurate credit reporting. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I filed bankrupcy in XXXX and it was finalized in XXXX but I wasn't allowed to claim my student loans at that time. I do not understand why because I filed on all my other debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: LEXISNEXIS
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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I deposited a certified {$2000.00} check into my USAA checking account. This was completed as a mobile deposit because the bank does not have branches. This was Friday XX/XX/year>. I had access to only XXXX. I needed at least XXXX. I logged into mobile app and chatted with an agent who said the money would not be available until the earliest XX/XX/year>. 

XX/XX/XXXX the money still was on hold. I filed a complaint and requested tge written policy and proof that I had acknowledged a policy that holds funds of a certified check for 8 days. 

XX/XX/XXXX and XX/XX/XXXX I continued to request my funds. By this time I needed gas and groceries. I also had to cancel seeing my son and his family because I did not have tge funds. 

I believe holding funds from a certified check for 7 days is unnecessary and excessive especially when mobile deposit is only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation