vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: CA

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 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 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 Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
An application for a Capital One credit card was initiated on XX/XX/XXXX. I received a letter in the mail today, XX/XX/XXXX with the application ID number, requesting additional information from me ( photo ID ). I did not initiate this credit card application. I called Capital One to report this as fraudulent activity and Capital One indicated the application was started via their website ( not by me ). Capital One stopped this application and marked it as fraudulent on XX/XX/XXXX. I was instructed to notify credit bureau, which I did with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
XX/XX/year> for {$4600.00}. I filled a dispute, I gave the company a police report and also a reference number and information from the company where the transactions took place, all this information showing them it wasnt me. Also hospital papers showing them I was hospitalized having my newborn baby. Also I appealed this dispute about XXXX times and they never even tried to look at the information Ive gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
My credit report is showing that I owe {$7800.00} to Jefferson Capital System - regarding a " XXXX Rewards ''. I have never had a XXXX account and so I called XXXX capital to dispute. When I called them they told me that this account was from XXXX  and that XXXX XXXX and XXXX owned it. They told me that they would mail me proof. I would like to see this proof as I have never had a XXXX card and also, from what I can tell XXXX  and XXXX are not associated with each other so nothing that he said made any sense. CFPB, please help. This fraudulent charge is really hurting me. I am waiting for this so called proof and I would also like that call listened to by Jefferson capital management as what this guy said made NO sense. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I made a purchase online for a virtual Business card through a company called XXXX for XXXX. Affirm was offered at the checkout as a payment option and after a credit check I was approved. XXXX sends you a physical business card they people can scan with they're phone to see your virtual information. I made the order on XX/XX/year> and was supposed to receive it by XX/XX/year>. I contacted XXXX on XX/XX/year> and requested a refund because the tracking information from XXXX showed that the order was never shipped out and it also did not arrive. XXXX said they would not issue a refund unless I returned the original product that I never received. After threatening to file a dispute XXXX said they mailed out another XXXX Bundle. As of XX/XX/year> I have never received THE XXXX Bundle or any XXXX product and want a full refund as the product was never received in the mail. 

XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
Hello, I purchased this card on XX/XX/year> with a load amount of XXXX XXXX The card was opened on XX/XX/year> and found to have the numbers on the front of the card missing as well as a sticky substance on the back of the card on the magnetic strip. We called the XXXX XXXX customer service and he assured me my XXXX $ was safe and he would open a case. I received a notification today that they are unable to give me the money back. We were unable to even use the card. I would like to have my XXXX $ back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: CA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
XX/XX/year> - I called US Bank. Asked why I am no longer receiving monthly email notifications stating that my Cash Back Signature credit card statement and bill is available to view online. Spoke with : XXXX, XXXX and XXXX and got no answer as to why. XXXX sent a request internally for someone to resend an email notification - I received the manually generated email, but without calling US Bank, I would not have received the bill notification. 

In addition, I have another US Bank credit card which is a XXXX XXXX card. Until XX/XX/year>, I received a separate email statement and bill notification for each credit card for years with no issues. Now, all of a sudden I am not receiving the email notification for only the Cash Back Signature credit card, I confirmed the correct email address is stated on my online account. 

XX/XX/year> called US Bank again about this same issue. Received no assistance from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. It seems to be impossible to get assistance. I should not have to change my email address to " test '' US Bank 's system. 

I am only receiving manually generated email notifications for my Cash Back Signature card. I am not receiving an automatically generated email notification. If a manually generated email can be received by me, then why is the automated email not received? 

As stated above, I received email notifications for both of my US Bank credit cards on the same day and at the same time of day, so what has changed since XX/XX/year> so that now I only receive an email for one credit card and not the other. 

I rely on these email notifications to ensure that I download, print and mail my payment on time as required by US Bank.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NH

Complaint narrative:
I contacted Transunion about various accounts appearing in my credit report that I dont recognize. This indicates that my Identity has been compromised and my personal information is been misused. I dispute these accounts through their platform, uploaded an Identity Theft report and my driver license and proof of address. I request them to block all information resulting of identity theft however they failed to do so. Apparently they used an automatically system to respond. I need help. Please someone help me to resolve this issue.

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 2024-07-11 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: TX

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 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 that are reported 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
My account with XX/XX/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 in months that are reported 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. 


XX/XX/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 2024-07-11 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: NY

Complaint narrative:
I have asked for your help inregards to the late payment on the following accounts. Please help me to update this as soon as possibl without any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please update by deleting all that has been uploaded to be accurate and true. I am trying to get my life and start business and I need you to please be compliant with all rules and regulations and be humane and considerate that this has effected my life greatly Im nearly XXXX XXXX XXXX and have suffered hardships many years in my life due. To this and identity being taken

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 2024-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I've got bad debts out there, but they are mostly expired for credit reporting. 
The problem is that they reset the date of the debt which extends the length it can stay on my credit. 
They list themselves as the original creditors even though I never signed anything with them. 
I did attempt to dispute it for those reasons with XXXX but that was rejected. 

I have no idea which accounts go to what old debt because they are listed as original creditors and they do not list what the debt was for. Without knowing what debt it is I can't gather any evidence from the true original creditors and dispute it properly. 

This tactic negatively impacted my family because incorrect reporting leave me unable to buy a car and I need a car. 
The company is lvnv funding llc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of XXXX XXXX of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX to ensure that they provide a fair and efficient dispute resolution process for all consumers. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of XXXX XXXX of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX to ensure that they provide a fair and efficient dispute resolution process for all consumers. Thank you for your time and attention to this matter. Sincerely, XXXX 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 2024-07-11 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:
I RECEIVED AN EMAIL STATING THAT ITEMS WERE REINSERTED ON MY CREDIT FILE I AM A VICTIM OF IDENTITY THEFT AS WELL AS THEFT. I PROVIDED ALL THE REQUESTED REPORTS FROM LAW ENFORCEMENT AS WELL AS FTC REPORT. THE ACCOUNT ARE BEING REMOVED AND RE- REPORTED ON MY CREDIT FILE. I DID NOT GIVE THIS COMPANY AUTHORIZATION TO ACCESS MY CREDIT FILE IVE KEPT MY CREDIT FILE FROZEN AND IVE PLACED A FRAUD ALERT AND REQUESTED I BE CONTACTED PRIOR TO ANYONE ACCESSING MY CREDIT FILE. 
I AM REQUESTING THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. 

XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX SERVICES THESE ACCOUNTS ARE ASSOCIATED WITH THEFT AND WERE REMOVED FROM MY CREDIT FILE AND ARE RE-APPEARING. THIS IS A VIOLATION OF MY RIGHTS AS A VICTIM OF THEFT.

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