vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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 ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 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. 


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 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 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 2024-06-18 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: NJ

Complaint narrative:
My account with EXTRA AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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.

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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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.

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 XXXXXXXX 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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
For the last few months or more I have been receiving phone calls on my cellphone from Midland credit. I did not provide them my cell number and I am not sure how they got my number. They have been calling a few times a week and a few times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a purchase with XXXX using the XXXX platform called Klarna. The purchase did not go through because I never received a confirmation code from XXXX. Klarna never forwarded purchase request to XXXX and will not show the information where XXXX was paid using their one time use card. Over a month passed since I filed my original request for cancellation of transaction. I contacted XXXX but without a confirmation number they are not able to investigate or track order. I provided them the number of the one time use card from the app. But still not helpful. I do not believe Klarna conducted any investigation within the past month because as of today XX/XX/year> Klarna request the same information I provided earlier. Klarna requested the following information below : - Screenshot of the order confirmation from XXXX which includes all the items in the order and individual pricing. XXXX XXXX : I never received this from XXXX. XXXX never generated this because there was no request from Klarna. 
- Screenshots of communication via chat or email with XXXX trying to resolve the issue. If you have not yet reached out to XXXX, please do so first XXXX : I reached out via telephone. XX/XX/year> & XX/XX/year>. XXXX unable to provide transcript. 
-Tracking number and shipping company for your order, if this has been provided by the store. XXXX  : I never received a tracking number or any information on shipping. 
- The expected delivery date as provided by the store. XXXX : XXXX has no record of the order being generated. 
- Which article is missing from the orderXXXX XXXX : XXXX DRAWER SET- which I never received information I already provided. 

Klarna stated their investigation is complete and neither myself or XXXX showed information to cancel transaction. So did they reach out to XXXX? I have nothing to reference. See below copy of message i received. ~~~~ Dear XXXX, We are contacting you regarding your statement XXXX from your order with XXXX. 

Based on the information and evidence provided by both you and XXXX, we are unable to rule in your favor because you did not provided all the requested information. 

We encourage you to contact XXXX directly to discuss any issues you have with the product or service. They may be able to provide further assistance or offer a resolution that meets your needs. 

Based on this information we have now reactivated the statement for payment. An up-to-date copy of your statement, including payment information will be emailed to you shortly. If your statement is already paid, no further action is required. Please log in to your Klarna app or Klarna.com for an overview of any outstanding statements and current payment statuses. 

We wish you a pleasant day. 
XXXX Customer Service Representative Dispute Resolutions Klarna INC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: WI

Complaint narrative:
I have been getting hit on my credit from this strange company- I have no idea who they are and the agents are not helpful when I try to get a resolution- I have even sent over letters requesting Validation of this account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Florida Financial Management dba Lend A Dollar
State: TX

Complaint narrative:
I have an email requesting that payments be stopped due to a job loss the email from The owner was very unprofessional and it was stated no money would be removed from my account but my card started to be ran for smaller amounts less than loan amount until account was forced to be in the negative I also automated calls with a demand for payment or they would send previously signed checks to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18 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:
The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX CREDITACPT XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Chase Bank for Unexplained Account Closure and Unprofessional Conduct Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding the abrupt and unexplained closure of my credit card account, as well as the unprofessional and disrespectful behavior exhibited by their representatives during the process. 
On XX/XX/year>, while I was overseas and relying solely on my Chase credit card for financial transactions, I received an email notification from Chase informing me that my credit card account had been closed. This closure was executed without any prior notice, justification, or opportunity for me to address any potential issues. 
Upon contacting Chase Bank to seek clarification and resolution, I was met with rudeness and unprofessional conduct from their administrative representatives. They provided no explanation for the account closure and, instead, responded with dismissive and disrespectful remarks. Specifically, one representative indicated, in a highly inappropriate manner, that the decision was final and that there was nothing I could do about it. 
The sudden and unexplained closure of my credit card account caused significant inconvenience, financial distress, and emotional pain and suffering, particularly as I was overseas and had no alternative means of accessing funds. Furthermore, the lack of transparency and the disrespectful treatment I received are deeply concerning and reflect poorly on the customer service standards that I expect from a reputable financial institution like Chase Bank. 
I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to address the following issues : 1.The rationale behind the abrupt closure of my credit card account without prior notice or explanation. 
2.The unprofessional and disrespectful conduct of Chase Banks representatives.

3.The significant inconvenience, financial distress, and emotional pain and suffering caused by the account closure while I was overseas due to Chase Banks sudden change of heart based on no apparent reason. 
I trust that the CFPB will handle this matter with the urgency and seriousness it deserves. Please find attached copies of all relevant correspondence and documentation pertaining to this issue. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX Cell XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is about Solar panel installation in XX/XX/year>. After installation, the first bill from the electric company was too high despite the Solar panel I immediately contacted XXXX XXXX XXXX XXXX XXXX, these XXXX had solar installations Month after month it's almost 1 year no one tried to resolve the issue or come to check the reason. Instead sent the agent to my home to threaten to make me embarrassed in the neighborhood. And report to Transunion. Its a nightmare I request to resolve this matter it just falls promises to save money Is there any period 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 2024-06-18 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:
I WAS HAVING DIFFICULTIES ACCESSING MY CREDIT REPORT SO I CONTACTED CUSTOMER SERVICE. I WAS ABLE TO GAIN ACCESS TO MY REPORTS WHEN I REALIZED THERE WERE FRAUDULENT ACCOUNTS AND PERSONAL INFORMATION BEING REPORTED. I WAS TOLD BY THE REPRESENTATIVE THAT I NEED TO SEND IN MY REPORT AND PROOF OF IDENTITY. THERE WAS ALSO TWO DIFFERENT SOCIAL SECURITY NUMBERS REPORTING AND ADDRESSES. THE ACCOUNT WAS REMOVED AFTER DISPUTING IT THEN IT REAPPEARED ON MY CREDIT REPORT AGAIN I CONTACTED THE BUREAUS AND THEY REFUSED TO REMOVE THE ACCOUNT STATING THAT THE CREDITOR SENT THEM INFORMATION THAT THE ACCOUNT WAS MINE. I ASKED THEM TO PROVIDE ME WITH THE INFORMATION ALSO THE CONTACT INFORMATION FOR THE CREDITOR AND THE REPRESENTATIVE SAID THAT THE CREDITOR HAS NO NUMBER TO REACH THEM AND THAT I SHOULD FIND IT ON XXXX. I ASKED FOR THE FULL ACCOUNT NUMBER AND HE STATED THAT HE DID NOT HAVE THE FULL ACCOUNT NUMBER AS WELL. HE GAVE ME ACCT NUMBER XXXX FOR XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
I WAS HAVING DIFFICULTIES ACCESSING MY CREDIT REPORT SO I CONTACTED CUSTOMER SERVICE. I WAS ABLE TO GAIN ACCESS TO MY REPORTS WHEN I REALIZED THERE WERE FRAUDULENT ACCOUNTS AND PERSONAL INFORMATION BEING REPORTED. I WAS TOLD BY THE REPRESENTATIVE THAT I NEED TO SEND IN MY REPORT AND PROOF OF IDENTITY. THERE WAS ALSO TWO DIFFERENT SOCIAL SECURITY NUMBERS REPORTING AND ADDRESSES. THE ACCOUNT WAS REMOVED AFTER DISPUTING IT THEN IT REAPPEARED ON MY CREDIT REPORT AGAIN I CONTACTED THE BUREAUS AND THEY REFUSED TO REMOVE THE ACCOUNT STATING THAT THE CREDITOR SENT THEM INFORMATION THAT THE ACCOUNT WAS MINE. I ASKED THEM TO PROVIDE ME WITH THE INFORMATION ALSO THE CONTACT INFORMATION FOR THE CREDITOR AND THE REPRESENTATIVE SAID THAT THE CREDITOR HAS NO NUMBER TO REACH THEM AND THAT I SHOULD FIND IT ON XXXX. I ASKED FOR THE FULL ACCOUNT NUMBER AND HE STATED THAT HE DID NOT HAVE THE FULL ACCOUNT NUMBER AS WELL. HE GAVE ME ACCT NUMBER XXXX FOR 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

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 explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
I am writing to inform you of a concerning error in my credit report regarding late payments on my account. After carefully reviewing the report, I found that late payments have been incorrectly recorded, which has negatively impacted my credit score. 
When I contacted the companies linked to this account, they acknowledged their mistake and agreed to correct it by updating my account to accurately reflect my payment history. They stated that a system glitch caused the incorrect reporting of late payments. 

It is puzzling that, while other credit bureaus have already corrected this errors, your bureau continues to report the late payments. This inconsistency raises questions about the verification processes your bureau uses to ensure the accuracy of reported information. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Indigo credit card attempted to open a card in my name on XX/XX/year>! I did not apply but got several notices of a new alert on my account! This was not me please help!

Company response to consumer: Closed with non-monetary relief