vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-12 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
My accounts 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 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 1637 ( 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 1002 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 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries are not authorized by me. I did not initiated these inquiries.

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 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Jpmcb has documented twice for the same account 1 unfavorable remarks on report and one that is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
See this quote from Capital One 's webiste : https : //www.capitalone.com/learn-grow/money-management/overpay-credit-card/ Quote : " Request a refund If you have a negative balance and want the money back, you can make a written request to your credit card company for a refund. Your credit card company might also accept requests in person or over the phone. If you overpay your credit card by more than {$1.00} and request a refund, your credit card company must send you a refund within seven business days of getting your written request. The refund may come in the form of a bank account deposit, cash, a check or a money order. '' NOTE IT SPECIFICALLY STATES REFUNDS CAN BE IN THE FORM OF A BANK ACCOUNT DEPOSIT On XX/XX/year>2024 at XXXX PST I called Capital One Credit card services to request my entire negative balance of {$1000.00} be refunded to me by bank direct deposit. They have denied me. The amount has now grown to {$1000.00}. The called me and stated that discriminate as to who can and can not get their negative balance refunded by direct deposit and there are reasons why they will and why they wont. I asked for the reason why they will and they said it is a secret. I told them I am unable to physically go to a bank or post office and they are refusing to refund my balance to me. 


As they are more than capable and they have done direct deposit refunds many times in may instances to many customers, I want a full refund of my money refunded by direct deposit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I contacted Bridgecrest regarding an outstanding balance. We agreed that if I paid {$47.00} by XX/XX/year>2024, they would refrain from reporting my account as 30 days late. I adhered to this agreement by making payments of {$320.00} on XX/XX/year>2024, and {$150.00} on XX/XX/year>2024. Despite fulfilling the terms of the agreement, Bridgecrest reported my account to the credit bureau as being 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I submitted a cease and desist to XXXX and American Express bank and they are STILL reporting to my Credit report which is a form of communication though a third party. I DEMAND Not only that they stop reporting and sharing that information due to my RIGHT to opt out which I have also done I will clarify here since they want to violate my rights They sent a response that is unacceptable and unfair and willful non compliance via this portal on CFPB Yet they have stated they have received my complaint and will stop. YET they have not. 

Opt-Out Demand Per the FCRA, I am formally opting out of any and all authorizations I may have givenwhether written, unwritten, verbal, or non-verbalunder 15 USC 6802 . This includes the sharing of my personal information and any usage of my data without my express written consent. 

DO NOT REPORT ANY THING TO MY CREDIT REPORT MOVING FORWARD DELETE ANY derogatory reporting to my credit report ASAP Also to back my claims Illegality of Reporting Transaction History : Under 15 USC 6801, it is illegal to report transaction history without my consent. The policy of Congress mandates that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their non-public information. 

Since I have taken permission or have removed/ rescind my consent respect my wishes as a consumer as you will be held liable for defamation of character and willful non compliance and other violations. 


ALSO A charge off means that it is INCOME per the IRS. YOU ARE NOT TO REPORT INCOME ON A CREDIT REPORT AND I NEED THE 1099C YOU CAN NOT REPORT INACCURATE DATA NOR DO I GIVE YOU AUTHORIZATION TO DO SO. 

You can take advantage of consumer who dont know their right but I Know my rights and I will not allow you to do so. Failure to do so I will use these correspondence proof / evidence / exhibits in court to claim damages Securitization audit is demanded yet again if not you choose to not provide that information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
I submitted a cease and desist to XXXX and XXXX XXXX bank and they are STILL reporting to my Credit report which is a form of communication though a third party. I DEMAND Not only that they stop reporting and sharing that information due to my RIGHT to opt out which I have also done I will clarify here since they want to violate my rights They sent a response that is unacceptable and unfair and willful non compliance via this portal on CFPB Yet they have stated they have received my complaint and will stop. YET they have not. 

Opt-Out Demand Per the FCRA, I am formally opting out of any and all authorizations I may have givenwhether written, unwritten, verbal, or non-verbalunder 15 USC 6802 . This includes the sharing of my personal information and any usage of my data without my express written consent. 

DO NOT REPORT ANY THING TO MY CREDIT REPORT MOVING FORWARD DELETE ANY derogatory reporting to my credit report ASAP Also to back my claims Illegality of Reporting Transaction History : Under 15 USC 6801, it is illegal to report transaction history without my consent. The policy of Congress mandates that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their non-public information.

Since I have taken permission or have removed/ rescind my consent respect my wishes as a consumer as you will be held liable for defamation of character and willful non compliance and other violations.

ALSO A charge off means that it is INCOME per the IRS. YOU ARE NOT TO REPORT INCOME ON A CREDIT REPORT AND I NEED THE 1099C YOU CAN NOT REPORT INACCURATE DATA NOR DO I GIVE YOU AUTHORIZATION TO DO SO. 

You can take advantage of consumer who dont know their right but I Know my rights and I will not allow you to do so. Failure to do so I will use these correspondence proof / evidence / exhibits in court to claim damages Securitization audit is demanded yet again if not you choose to not provide that information

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 2024-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm works by allowing you to take a line of credit to make purchases. On Friday XX/XX/year> I received an email with details about a loan I DID NOT take out. When I checked my account I saw two newly opened lines of credit. One for XXXX and the other for XXXX XXXX XXXX. I called and reported this as fraud immediately. I was told at that time i would receive a call back from the fraud department within 5 business days. Then on Wednesday XX/XX/year> I receive another email about a new loan. When I logged in this time it showed 3 more open loans for XXXX XXXX XXXX. I called again and was once again told I would get a phone call back. I still had yet to get a call. I called again on XX/XX/XXXX because i tried to log in but was told the account was now locked. I was again told I would get a call back from the escalation team. No phone call. Called again XX/XX/XXXX and was told it was escalated and that they cant do anything else until the fraud time can research. At this point I cant access my account and I do have a valid loan with them that I have been making payments on for months. I hope its resolved before its due again.

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

Complaint narrative:
My accounts 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 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 1637 ( 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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

Complaint narrative:
In accordance with the fair credit reportincg act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX  services ending in XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX begining with XXXX has violated my rights 15 usc 1681 section 602a 15 usc 1681 section 604a 15 usc 1681c a 5 15 usc 1681s 2 a 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Comenity capital bank which provides credit cards for children place stores are charging customers late fees if payment is not paid by XXXX pm ET which is XXXX pm central. I have a calendar app that let me know when all my bills are due and I dont think it right that they are charging customers who make the payment on the due date after that time. I work in XXXX field and a lot of times Im am busy an unable to get away to make payment I normally pay bills on my lunch break. Today I was unable to do so, I made payment after my shift ended at XXXX and it is now considered late.

Company response to consumer: Closed with explanation