vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on XXXX and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS BARCLAY ACCTS # XXXX BOTH ACCTS ARE STILL BEING REPORTED i'M ATTACHING 1099C AND XXXX AND XXXX REPORTING I'm attaching a letter from Portfolio Recovery where I paid them a settlement to delete this account off my credit report on XX/XX/23.

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 2024-06-08 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: NY

Complaint narrative:
It seems my credit file has been compromised once more. Upon reviewing my records, I found several items that do not belong to me. Under section 605b of the FCRA, you are legally obligated to remove any items identified as fraudulent due to identity theft. These disputed items are not mine, and I request their removal. 
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 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 2024-06-08 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: GA

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 me 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 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 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX This information is listed on my credit reports. I have no knowledge of this account. ( Listed twice ) XXXX XXXX XXXX. This account is listed on my credit reports. I have not knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
Resurgent/LVNV This account is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account. 
XXXX XXXX This information is listed on my credit reports. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-06-08 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: LA

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, someone hacked into my CashApp account and took {$60.00}. I contacted Cash App about the issue and they denied me twice. I sent them several emails explaining the data breach and they still refused to reimburse me my money. Ive sent the the data breach email I reviewed from XXXX and CashApp still denied my claim. 

Please help resolve this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I would like to file a complaint against XXXX XXXX, Crdit Coll, XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: I.C. System, Inc.
State: GA

Complaint narrative:
I would like to file a complaint against XXXX XXXX, XXXX XXXX, IC Systems for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>

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 2024-06-08 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: LA

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

Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

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 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 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX truist-one checking Complete Qualifying Activities, Earn {$400.00} w/Truist One Checking. 

Using the link provided on their website, I opened an account and completed all the qualifying activities. I contacted the bank since I did not receive the {$400.00} promised, they said their system created multiple accounts and closed the duplicates. So, I am not eligible to receive the money.

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 2024-06-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I submitted a complaint about Affirm failing to report positive payment history, as they advertised and promised when accepting the loans. I submitted a complaint here recently about it, and I included screen shots of the loan ID numbers that Affirm has been refusing to report. It totals XXXX on-time payments, which is a significant amount of history that should be added to a credit report - not just the negative reporting because it helps Affirm prey on their customers ( in an abhorrent manner ) if things go south. Here is my response that explains that situation : This is cherry-picking and selective bias at its finest. Here are XXXX loans that I took out from Affirm, totaling XXXX on-time payments that they are refusing to report to the credit bureaus ( posted below this paragraph ). Notice how they fail to mention them? I submitted these along with screen shots for my complaint to XXXX, which Affirm still ignored and refused to post to my credit report ; Ill be calling XXXX tomorrow to submit this to reopen the challenge. Affirms image and selling-factor ( aside from monthly payments ) is based around reporting positive and negative payment history to the credit bureaus- this was a service offered and promised to me upon every, single loan agreement. Anyone can visit their website ( sign up for a loan ) and see that they offer this as clear as day. Despite that, they have failed to properly report my history with them. 

XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported Ive made a complaint to the CFPB before about their unwillingness to report positive activity before XXXX to which they responded with another excuse/loop-hole that can potentially get them out of it. Im submitting another complaint with the CFPB, along with this indisputable proof. Im just going to reciprocate the energy, and since Affirm doesnt want to follow through with their word of posting positive activity ( which they fell through on long before I suffered a severe auto accident and fell behind on payments ), I suddenly dont feel like paying the collection agency to settle this debt. Its despicable how they offer and promise proper payment history for potential customers, only to say Affirm is not obligated to report every loan once it becomes convenient for them in a situation such as this. Believe me when I say I will wait the XXXX years for it to disappear from my credit report. However, Ill be contacting the FTC tomorrow about this as well. Last, if my loans were put in deferment, then why were they not deferred, and why were payments still due on them? That's not a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TX

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
On XX/XX/2024 Toyota Financial Services ( XXXX ) took {$500.00} out of my bank account via XXXX. This was authorized by myself. On XX/XX/2024 the payment cleared my bank account and funds were sent to Tfs. On XX/XX/2024 Tfs claimed my payment was returned as failed, unpaid. My bank account showed it was processed without any issues. I called Tfs on XX/XX/2024 when I learned of this error, and explained that I had a receipt, and transaction report from bank showing payment. I was told I had to mail or fax proof of payment to Tfs misapplied payment dept. I did that and nothing changed. I contacted them again and they said I had to get a merchant report from my bank. Ive tried to get this merchant report, but Ive been told by several bankers, as well as my bank that a merchant report is for a merchant to look over their credit/debit card transactions by type, purchases, returns, fees, etc. Tfs doesnt take card payments, only XXXX. Ive had my bank so a dispute to investigate, and they found no errors on their part, and they provided me with the XXXX report from the federal reserve system showing all the account numbers, batch numbers, settlement date, amount, etc. It shows it cleared just as my bank said. I faxed that report to Tfs and they still havent fixed it. They wont even try to look into it until I produce a merchant report they said. Its been weeks now, Ive tried calling, faxing, multiple support tickets, the dealership has tried to advocate on my behalf, and I even desperately reached out to their XXXX page to try and find someone who could help me. They have not communicated anything to me besides them saying it failed, its a check truncation entry return error according to Tfs, and that I have to fax or mail a merchant report. They wont even attempt to look into their system to find the error. Theyve been sent the receipt, transaction list, bank statement, XXXX  report from federal reserve, and emails from bank employees verifying the payment cleared. Last year Tfs lost a XXXX XXXX dollar lawsuit where there were services added without permission, but the familiar part is that Tfs supposedly made it so incredibly difficult to reach someone who would fix the issues, that people couldnt get it taken care of. Thats how I feel right now. They have evidence the payment cleared, and they have to know there is a {$500.00} discrepancy somewhere in the accounts, but they are making it so difficult for me, it feels like they are hoping I give up. Hopefully this is not a scam and Im just a very unlucky individual, but Im begging for someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
I am taking steps to have these accounts disputed and investigated due to their wrongful reporting on my credit file. The Fair Credit Reporting Act entitles me to {$1000.00} for each mistake. I know that FCRA 605B requires us to report any incorrect information on a consumer 's 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