vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
After examining my credit report, I identified inaccurate accounts that were not due to 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 2024-11-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an American Express gift card that is declined everywhere I have tried to use it. The company claims that it is accepted wherever American Express cards are accepted but in my experience that is not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 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: NV

Complaint narrative:
My account with EXPERIAN XXXX 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. 


EXPERIAN 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! 


Update 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 2024-11-29 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: Westlake Services, LLC
State: FL

Complaint narrative:
I reviewed my credit report and found an account marked as Closed with the following details : Account charged off {$8500.00} and written off {$8500.00}, past due. While the account was marked as charged off, I did not receive a 1099-C form for this canceled debt, which I understand is required when a debt is forgiven or written off. 

I am concerned because I need the 1099-C for tax purposes, as the IRS requires this form when a creditor cancels a debt over {$600.00}. Despite the account being written off, I have not received any communication from Westlake Financial SVC regarding the 1099-C form. 

I have contacted Westlake Financial SVC to request the form, but I have not received a response. I am seeking clarification on why I did not receive the 1099-C and what my next steps should be in handling the cancellation of this debt for tax reporting purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: SC

Complaint narrative:
I have identified and outlined multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws regarding my credit report. Specifically : Willful Noncompliance ( FCRA Section 616 ) : My credit report includes inaccurate and unverifiable information, indicating that you accepted and reported credit details about me without ensuring their accuracy. This constitutes willful noncompliance, which carries liability of up to {$1000.00} per violation. 
Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You did not inform me of my right to opt out of the sharing of my personal information. This omission violates my consumer rights.

Deceptive Reporting of Inquiries and Accounts ( FCRA Section 623 ( a ) ( 3 ) ) : My report contains unauthorized hard inquiries and debts that were not properly validated, reflecting deceptive and inaccurate reporting practices.

Violations of the Debt Collection Practices Act : Debt collectors acted unfairly by reporting inaccurate debts and contacting third-party credit reporting agencies regarding these debts, causing unnecessary distress. 
Improper Disclosure of Debt Information to Third Parties : Debt collectors unlawfully disclosed my alleged debts to third-party credit reporting agencies, violating regulations meant to protect my privacy.

Inaccurate Reporting of Late Payments and Finance Charges : Late payments were reported inaccurately, with no clear definitions provided. Additionally, finance charges were incorrectly calculated, further misrepresenting my credit information.

Unauthorized Hard Inquiries : Several inquiries on my credit report were made without my written consent, violating the permissible purposes for obtaining consumer reports outlined in FCRA Section 1681b ( a ) ( 2 ).

Incorrect Personal Information : My credit report includes addresses that do not pertain to me and should be removed.

In response to these violations, I have demanded : Validation or removal of inaccurate debts and accounts.

Deletion of unauthorized hard inquiries.

Immediate correction of all inaccurate personal information.

These actions are necessary to resolve the matter under the law. If my concerns are not addressed, I am prepared to pursue legal remedies.

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
My cc was stolen and persons made charges on my account, reported the stolen card and requested a new one a put a claim on the charges, I was told they dud an investigation and I made the charges, these cc companies nowadays are just not investigating the charges period, our the card was literally stolen and charges were made online during the time I explained I didn't have the card in my possession and it was used, they closed the account and put on my credit report and expect me to pay for a fraudulent actions, mindful I always paid my bill on time and I'm trying to build credit, when I asked for a copy of the report they supposedly did they wouldn't send it, these cc companies are robbing people blind this is the aspire credit card company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-29 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
I am writing regarding a collection notice I recently became aware of concerning an alleged debt. I do not recognize this debt, and I formally dispute its validity. Furthermore, I was never contacted about this alleged debt prior to it being reported to my credit file, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Proper notice and the opportunity to dispute or validate a debt must be provided before it is reported to credit bureaus. 

Under 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Please provide the following information : 1. Proof that I owe the debt, including a copy of the original signed contract or agreement.

2. The name and address of the original creditor.

3. A detailed accounting of the alleged amount, including principal, interest, fees, and any other charges.

4. Evidence that you are authorized to collect this debt. 

Until proper validation of this debt is provided, the FDCPA and the Fair Credit Reporting Act ( FCRA ) require that the collection account be removed from my credit report. Reporting unverifiable or inaccurate debt is a violation of 15 U.S.C. 1681s-2. I expect you to take immediate action to delete this account from my credit file until the debt is properly validated. 

Additionally, under 15 U.S.C. 1692c ( c ), I am requesting that you cease and desist from any further communication with me regarding this matter, except for written correspondence sent to the address on file. You may only contact me to provide the requested validation of the debt or to confirm that all collection activities and credit reporting have ceased. 

Any failure to validate this alleged debt or any further collection or credit reporting activities without proper validation will be considered violations of federal law. I will report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your immediate attention to this matter. I expect your response and proper resolution within the legally mandated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
As of XX/XX/year>XXXX  I received a {$1300.00} bill from XXXX. 

This will was due to late payment fees associated with REPEATED service issues with XXXX that were never remedied. 

XXXX was completely negligent with these issues and after over 20 phone calls, email support conversations and repeated attempts to get the service corrected, I asked XXXX to cancel my service. XXXX refused to cancel this service, even though they also refused to fix the issues. 

I am now attempting to get this collection removed from my credit reports, as I truly believe my rights are being exploited and I'm being taken advantage of by a billion dollar corporation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2024-11-29 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: PA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
Wire transfer of XXXX XXXX XXXX was sent from XXXX XXXX  in XXXX, Vermont in USD to my Wise USD account on XX/XX/year>. This is considered a domestic wire si

nce there is no cross currency exchange ( from USD to a USD account ). This type of transfer usually takes a few hours. Every single employee that was paid by this company has received their money, except for me, and Im the only one using Wise. Received confirmation and transaction ID from XXXX XXXX  assuring the money was indeed sent to Wise. After 3 business days and providing proof of payment and transaction ID to Wise they can not ( will not ) locate the transfer. I now do not have my pay for the month since Wise apparently can do nothing to help me, even though Ive complied with all their demands ( verified with XXXX XXXX multiple times, made sure all account numbers and bank codes were correct etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: LA

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 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