vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
Experian failed to correct negative information on my report and update my report and score. 
Please allow me to explain : XXXX. Experian reports my mortgage provider as XXXX. XXXX mortgage was transferred to XXXX in XXXX, XXXX. There were no late payments. Bank statements reflect all payments that were made on XXXX ; XXXX. Experian reports accounts that were opened qithout my permission and authority and reflected in police reports and FTC report and refuse to remove it ; XXXX. Experian reports chuld support account that originated in XXXX and list alleged collection in XXXX, XXXX. No collection ever took place. Payment history reflects that payments were made on time and actually resulted in overpayment ; XXXX. Experian " lost '' my credit history between XXXX - XXXX and reports my oldest account as of XXXX ; XXXX. Experian refuses to provide me with information pertaining to their legal XXXX and/or provide me with information were to submit legal documents...

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 2024-12-24 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 was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( 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 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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.

Complaint narrative:
My accounts 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/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
During the pandemic i started a XXXX XXXX XXXXXXXX XXXX at XXXXXXXX XXXX in XXXX. I paid in full for the program. I noticed i was getting monthly charges on my bank acct and I reached out to the gym XXXX XXXX on email. That if he could process a refund as I had paid in full and did not buy a month to month membership. They did not responde to my email but they did refund me. This happened on XXXX occasions. I thought that was that, never got charged again. Then years later i get a call saying i owe months worth of gym fees to which I said i never purchased a membership. i paid once for a XXXX XXXX XXXX and that was it. I never heard from them again i thought it was cleared up. Also, The gym is no longer in business and i was sent to collection over money I never owed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
Recent changes We found 1 change to your XXXX credit report XXXX XXXX XXXX -- since XX/XX/XXXX New Credit Inquiry We found a new hard inquiry on your file On XX/XX/XXXX, an inquiry made by XXXX CA was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 


So I have already sent one complaint for this " fake '' soft credit pull from XXXX that was an offer on XXXX XXXX to me; stating I had been pre-qualified for a lower auto interest rate. Well I have gotten 4 emails from XXXX XXXX and my bank about some hard inquiries ; 2 different companies have now pulled hard credit inquiries which is illegal and false advertisement. I spoke to rate genius, and they stated only XXXX XXXX could assist me in this matter since the offer was made to me on credit karmas sight. I have spoken to about 5 people now at XXXX XXXX and no one can help me. It is very concerning that since my last complaint I was an email about another hard inquiry which was done today XX/XX/XXXX! I asked XXXX XXXX to withdrawal my application and she stated she would, then XXXX minutes later I have another HARD INQUIRY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I wrote to CapitalOne telling them that I did not apply to them yet they keep reporting to all bureaus and it's showing a hard inquiry resulting in lowering my credit score. They wrote back to me and I am very concerned because in the letter they place the burden on me. First they ask for my full social security number, why would I disclose that, they want all documentation that supports my claim that they sent wrong or incorrect information to the bureaus. A copy of the original letter I sent to them. The exact reason why they should remove the inquiry., the date of the inquiry, my complete name address and signature. They have already inconvenienced me with their false reporting and now they want me to do their investigation for them, If this is not resolved I am completely ready to take them to court and will win, but I would rather give them a chance to correct this without further burdening me with doing their job because of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have recently pulled my credit report and noticed a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am the party contractually bound to pay off this debt or stop collection activity and remove it altogether. Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I was XXXX  and XXXX  in XXXX, XXXX. During this XXXX  both of my phones, all my credit & debit cards, and other personal belongings were stolen. I have reported the crime and opened a case at both the XXXX police department as well as my local police department. With my stolen phone they also got access to my XXXX  and XXXX  email accounts, which gave them access to all my personal information and different financial institution accounts. One such account was my PayPal account. Using my PayPal account the XXXX  were able to make 3 transactions through PayPal 's " send money to friends & family '' feature, the sum of which was XXXX $ and are described below. 

Transaction XXXX : XXXX XXXX XXXX {$500.00} Transaction XXXX : XXXX XXXX XXXX {$500.00} Transaction XXXX : XXXX XXXX XXXX {$480.00} XXXX XX/XX/year> I filed a case with PayPal ( Case ID : XXXX ) to dispute these transactions as fraudulent and unauthorized access. They closed my case and deemed it to be authorized since there is no PayPal insurance or protection for sending through friends & family. I reached out to customer support which told me they appealed the case, but PayPal again denied my claim and the case was closed. PayPal continued to try and extract the money for the transactions through my linked bank accounts, but since the robbers had already cleared out my checking account, the transaction failed. Since that day I have already filed claims with my bank and they placed stops for PayPal to extract the money from my checking account. PayPal is still continuously attempting to extract money from the accounts I have linked and in the meantime I am now left with a negative balance of - {$1400.00} in my PayPal account ( I previously had a positive balance of XXXX $ ). I have continued to try to resolve my problem through PayPal but their customer service says they can not help with the fraud in anyway. They mentioned if I fail to settle the negative balance on my account, my account will be placed on lock after 180 days of not paying off the negative balance, after which the balance will be sent to collections. They alerted me they will charge any additional funding sources I have on my account if they can not access the funds from the debit account I previously had on my account. I am asking the CFPB for help on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: OH

Complaint narrative:
The Debt Collector, January Technologies, Inc. sent me the letter I owed {$1600.00} and {$59.00}, which are the outstanding balances for the computer lease I didn't purchase ( Purchase date described in the letter : XX/XX/XXXX ). The letter had my correct name and address, but wrong phone number and email address. I suspected an identity theft and disputed I didn't make the purchase. 

I have received another letter on XX/XX/XXXX that they have addressed my dispute, and I still owe them the outstanding balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I signed up for auto pay at the same time I scheduled a one time payment for XX/XX/2024. I did not realize they would take out two payments of {$59.00} on that date. Most credit card companies withdraw only one payment for the same amount on the same day. Two of the same exact amounts can not be withdrawn in the same day for payment. I couldn't find a way on their site to be sure that the one time payment wouldn't process along with the autopay so I couldn't cancel it. I called Ally credit card to have them refund the one amount back to my debit card. They were unwilling to, stating they could keep the payment for next month 's payment, or send me a paper check in the mail. I wanted neither, as I need my money refunded, especially since this shouldn't have happened to begin with. I finally told them to send me the check, however I'd be contacting the XXXX, but that site directed me to this CFPB.

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 2024-12-24 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX bank XXXX {$3800.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 am requesting a formal debt validation request, sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, Sec. 809 ( b ). In accordance with my rights under 15 USC 1692 ( e ), which prohibits false, deceptive, or misleading representations in debt collection, I dispute this debt and request validation through the following documentation : 1. A complete and detailed explanation of how you calculated the total amount you claim I owe, including all interest, fees, and other charges.

2. A complete accounting of all money paid or credited to this account, from the initial statement showing a XXXX balance through the final statement from the original creditor. This should include : o All payments made o All interest charges o All fees assessed o All other charges or credits 3. The exact date of the last payment received on this account.

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Any collection attempts during this validation period violate the FDCPA, Section 809 ( b ).

.Account Information - XXXX XXXX, account # 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 2024-12-24 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: PA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
The Debt Collector, XXXX XXXX, XXXX sent me the letter I owed {$1600.00} and {$59.00}, which are the outstanding balances for the computer lease I didn't purchase ( Purchase date described in the letter : XX/XX/XXXX ). The letter had my correct name and address, but wrong phone number and email address. I suspected an identity theft and disputed I didn't make the purchase. 

I have received another letter on XX/XX/XXXX that they have addressed my dispute, and I still owe them the outstanding balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Reporting on Paid Off Account Dear Sir/Madam, I am writing to dispute inaccurate information regarding a paid-off account with XXXX  XXXX. Upon reviewing my credit report, I noticed that the account still shows an outstanding balance, which is incorrect. 

The account in question is [ XXXX ], and it was fully paid off on [ XX/XX/XXXX ]. I have included documentation, such as proof of payment, to support my claim. 

I kindly request that both XXXX XXXX and TransUnion update my records to accurately reflect that this account has been paid in full and that the balance should be reported as 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