vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: LA

Complaint narrative:
My account with EXPERIAN 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 ( 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.

EXPERIAN 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 2024-08-28 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: CBC Companies, Inc.
State: OR

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-28 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On or about XX/XX/year> I submitted several disputes however PNC Bank continues to harass me by sending me multiple duplicate copies of the same documents requiring the specific information. And to this day theyve done absolutely nothing on their part to investigate these claims

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

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 under 15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-28 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: U.S. BANCORP
State: OR

Complaint narrative:
First, I received a txt alert that XXXX was trying to charge {$650.00} to my USBank Credit card. 

The charge was declined by their system once or twice. My credit card was also Locked in my account, meaning, no charges should have gotten through. I disputed the transaction with a written letter mailed via XXXX as instructed by an chat agent, and explained exactly why. 

First, the charge should have never been charged to my card, given the steps in place. 
Second, I cancelled the XXXX subscription a few days after the charge and XXXX had a popup that informed me that I was outside the 14 Day refund window ( completely wrong, it was 2 or 3 days after the charge/autorenewal I and neither my wife never agreed to ). 

I disputed the charge with USBank and received a provisional credit. Beginning of XXXX, I received a letter asking for more information. This letter was delayed in transit to me via XXXX and left me with 3 Days left to the deadline. I was fast and dropped it in the mail on a sunday with 2 days left. I included, that there is a case against XXXX by the UNITED STATES OF AMERICA and the FTC. XXXX is being sued for exactly what I had disputed. 

I then received a letter on XX/XX/XXXX ( XXXX XX/XX/XXXX ), stating that the credit is being reversed as I did not provide the additional information. I have provided it, or at least mailed it before the deadline with the included business envelope. What XXXX does and how fast they deliver letters is completely out of my control as a consumer, I can just say that it was put into a blue mailbox on time before the deadline. I have a witness that saw me fill it out and drove me to the post office to drop it off. I also have the txt alerts that the charge was being declined initially. 

This charge is actually partially USBanks fault for being let through when my card was locked and now the fraudulent charge is back on my card causing me interest and a higher credit card utilization that negatively effects my credit score. I need USBank to do some proper research on this XXXX case and give the credit back. They also had my email and phone number and could have followed up. 

See : XXXX 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 non-monetary relief
Consumer complaint received 2024-08-28 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-28 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-28 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: OH

Complaint narrative:
Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, OPP Loans is not listed in the XXXX XXXX XXXX as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: PA

Complaint narrative:
Sworn Statement Regarding Debt Collection by XXXX XXXX XXXX I, XXXX XXXX, state the following : XXXX XXXX XXXX has been trying to collect a debt on a credit card account originally with XXXX XXXX XXXX XXXX. This account was opened due to identity theft. They wrongfully placed a collection on my credit report, even after speaking with me and confirming that I am not the owner of the account and had no knowledge of it. I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which offers protection to victims of identity theft, and Section 623, which outlines the duties of those who furnish information to credit reporting agencies. 

Additionally, I have never signed any contracts or conducted any business with this debt collector, so they have no legitimate reason to possess or use my personal information. 

I am requesting that this incorrect and damaging collection be removed from my credit report immediately. 

I swear under penalty of perjury that the information provided in this statement is true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
XXXX XXXX ( XXXX ) continued to charge Complainant for non-contractual service after service had been canceled by Complainant. Complainant then disputed charges with XXXX. However, XXXX sent Debt to collection agency, Sequium Asset Solutions LLC, XXXX XXXX XXXX, Suites XXXX, XXXX, GA XXXX. 

Sequium Asset Solutions LLC, contacted Complainant, via letter sent through United States Postal Service Mail on XX/XX/XXXX. Within 30 days of receipt of letter, XXXX responded to Sequium via XXXXsequiumXXXX to dispute debt and request proof of obligation. Confirmation of such was provided via XXXXsequium.XXXX dialog box. 

There was no other contact with Sequium, thereafter. 

On XX/XX/XXXX, a Collection was placed on the XXXX, XXXX  and XXXX Credit Reports of Complainant for {$160.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX, whom Complainant was not familiar with nor had any previous contact with. 
The actions of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX, has damaged the hard-earned credit score and reputation of the Complainant considerably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
My account with 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 those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Point Digital Finance, Inc.
State: CA

Complaint narrative:
Roughly 6 years ago, I signed a contract with Point Digital Finance in exchange for a loan, which entitles them to a percentage of the equity gained in my home. The methods to terminate this contract/agreement are to either sell my home or refinance, but a refinance requires the property be appraised. Either the home sale price or appraisal price will determine the precise amount of money I owe to Point, in order to terminate the contract. 

At the beginning of XXXX, my home lender, XXXX, hired an appraiser to evaluate the property. His appraisal valued our home at $ XXXX. When submitted to Point to determine the payoff amount, they responded that they wanted to order a second appraisal. The second appraisal was ordered on XX/XX/XXXX and performed on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX. 

The first appraisal fairly and accurately noted the significant disparities in the home features or amenities between my home and the ones used for " Comparable Sales. '' XXXX XXXX did not even note the differences in the properties and therefore blatantly did not follow ethical guidelines for evaluating comparable sales in nearby properties. 

XXXX XXXX failure to abide by ethical practices resulted in an appraisal value of $ XXXX for our home, a difference of $ XXXX, which significantly raises the loan payoff amount required by Point, and exceeds the value my bank is willing to refinance me for, making that not a viable option. 

I have the authority to hire another appraiser to evaluate the property, but under the terms of the contract, the three values are to be averaged, and that number is to be used to determine my loan payoff amount. Even if the third appraisal is performed ethically and is considered within a reasonable amount of the propertys actual value, the appraisal ordered by Point is so drastically different, it is going to inflate the amount Point is eligible to receive, leaving me unable to pay off the roofer who installed a new roof for us this summer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX is charging excessive amounts of late fees and interest, more than half of amount owed in fees and interest even though I stopped using the card more than 6 months ago the amount accumulating is outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I prepaid for an XXXX rental car on XX/XX/year> in the amount of {$1200.00}. Then when I returned the car on XX/XX/year> ( with a full tank of gas an no damages ), I noticed on XX/XX/year> that XXXX charged me again {$900.00} and {$500.00}. XXXX has not provided me a receipt for these XXXX charges or explained what the charges are for. 

When I called XXXX to request the refund of those XXXX fraudulent charges, they said they had no record of those XXXX additional charges because the XXXX XXXX I rented the car from was in XXXX XXXX and that was an XXXX franchise location. XXXX sent me an email requesting that I provide proof of those XXXX charges on my credit card, and I immediately did, but XXXX has not made any progress since then. I have NOT been provided any receipt or documentation of what the {$900.00} and {$500.00} charges are for ( isn't that illegal? ) I have now disputed these XXXX charges on my Bank of America credit card and they are investigating. My main issue is with XXXX. I'm attaching XXXX XXXX documents that prove I prepaid for the vehicle on XX/XX/year> for {$1200.00}. Other than the charges on my Bank of America credit card, I don't have any paperwork for the other XXXX fraudulent charges because XXXX has never provided that to me.

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