vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
My account with XXXX 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. 


XXXX 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 2024-10-24 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
wednesday XXXX XXXX XXXX XXXX XXXX 
spoke with 2 individuals form XXXX XXXX XXXX XXXX. 
in regards to a account that they had purchased from a differint company, Gentalman whos name I have on hand refused to answer any questions I had asked. continuously spoke over me and insulted me. 
told me that he does not have to verify and validate any of my questions, and demanded I pay the account. 

I asked for validation of my consent to owing the comapny a debt, and if they have a electronic and or hand written signature from me agreeing to pay them. 

the gentlman said he doesnt have to prove anything and that I should just pay the bill. 

I also asked if the debt was purchased by his company? again to imply I do not owe anyone of the collections company and any of its subsidiaries any money. 

the gentlman again told me that im XXXX and became verbally aggresive and then repeated himself several times to pay a debt. 

when I informed him that his actions are out of line and abusive, he hung up on me. 
XXXX XXXX XXXX 

I called back the company number immediately and the gentleman picked up the phone, and set it next to a t.v.. refused to answer. 
waited 20 seconds. and hung up on me again.. 
XXXX XXXX XXXX 

I called again for the 3rd time immediately, and got ahold of a lady at first, informed her of her associates behavior and that I would like to file a formal complaint. 
before I was able to get to file a complaint I verified my informationas to who I am. 
I did request that upon the completion of our phone call I would like a copy of the signed contract between me and the company that I owe them a debt., she refuesd and told me that not how they do things there. 
then I requested for information on whom did they aquire the debt from? and if it was purchased or a partnership? 
the lady said we cant do that. 
then proceed to ask how I want to [ pay for a debt. 
I refused when I heard attitude and anger in her voice, and asked her I would like for communication to be done via writting, and that I need a copy of the aggrement that show a signature from me to them. 

the lady hung up on me. 
XXXX XXXX XXXX 

names of the associates can be given upon request and copy of notes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I made an investment into an IRA with Investors savings which is now Citizens bank and went to look into the funds and where they were, and they can not locate them. This started back in XXXX of this year and to this date nothing has been resolved. My funds seem to have disappeared into thin air. Nobody can locate the money that I invested. Back On XX/XX/XXXX I received a check with the amount of my deposit only to receive a message that i should not cash the check since it a stop payment was made on it. The investment was made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have discovered that bank of America in XXXX of XXXX  had opened a third account with out my knowledge or consent As you will see in document that's highlighted they took {$5000.00} out of that account and it just says overdrawn related account I never authorized them to take XXXX dollars I never authorized this account I've never had XXXX XXXX so they created this account and then took money from it documents attached

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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.

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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I reserved a stay at a property in XXXXXXXX XXXX for XX/XX/2024 owned by " XXXX ''. The reservation was made via a company in XXXX, XXXX, " XXXX ''. I financed the purchase through Affirm.com. The property did not match the advertised description as there was no convenient parking as promised and so we could not and did not stay. XXXX acknowledged the error but told me it was because of " local property conditions as provided to them by the owner had changed ''. They declined to accept responsibility. I then disputed the transaction with Affirm. The only way to do that was via text. Affirm does not have humans that you can speak with. After reviewing the messages I provided them from XXXX, they merely said that I am responsible for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
The Credit Report Doesn't Match The Settlement Letter.

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - XX/XX/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 2024-10-24 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: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/year> I purchased a XXXX gift card loaded with {$500.00} from XXXX. When I opened the card package a few hours later, I discovered the card had altered. The last four digits on the front of the card were removed. On the back of the card, the last digits of the serial number were removed and the CVV code was removed. There was also what appeared to be superglue on the magnetic strip on the back of the card. I did inspect the card package prior to purchase, and saw no indication the card had been removed and replaced or otherwise altered. 

Immediately upon discovering this, I called Incomm to report it. The representative provided a case number ( XXXX ) and told me the company would contact me within a week. They have not contacted me in any way. 

I searched the internet to see if others had experienced the same problem, and found that Incomm is actually being sued in court for failing to provide proper security features in their cards to prevent alterations from occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( XXXX, XXXX, and TransUnion ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I spoke with XXXX representatives, the last of whom was XXXX ( employee ID # XXXX ), who identified himself as an Account Manager. The call lasted XXXX minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XX/XX/XXXX, under Case No. : XXXX, and XXXX XXXX XXXX was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX, XXXX, and XXXX. 

I am formally requesting that XXXX XXXX XXXX  update the reporting to XXXX, XXXX, and TransUnion to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXX, XXXX, and 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 2024-10-24 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: TN

Complaint narrative:
Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( XXXX, Equifax, and XXXX ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I spoke with XXXX representatives, the last of whom was XXXX XXXX XXXX XXXX XXXX XXXX ), who identified himself as an Account Manager. The call lasted 31 minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX XXXX XXXX XXXX 

I am formally requesting that XXXX XXXX XXXX  update the reporting to XXXX, Equifax, and XXXX to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TN

Complaint narrative:
Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( Experian, XXXX, and XXXX ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I spoke with XXXX representatives, the last of whom was XXXX ( employee ID # XXXX ), who identified himself as an Account Manager. The call lasted XXXX minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XX/XX/XXXX, under XXXX XXXX. : XXXX, and XXXX XXXX XXXX  was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX, XXXX, and XXXX. 

I am formally requesting that XXXX XXXX XXXX  update the reporting to Experian, XXXX, and XXXX to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXX, XXXX, and 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 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XX/XX/year> @ XXXX XXXX a 2 minuted call - Received a call from a XXXX speaking representative from Transworld Collections for a debt that is not mine. Mistaken debt belonging to my exhusband and his wife for an XXXX bill - not my debt. The caller from Transworld proceeded to call me a liar when I stated this was not my debt. This caller is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX, I purchased shoes and bags from two international sellers worth a total of {$490.00}. The sellers had different names and accounts at PayPal but it appears now as though it may be the same seller targeting US buyers. Upon receiving the items, I realized the items were not as described. The shoes I ordered were size XXXX and yet received size XXXX. The bag came without the link. I immediately reached out to sellers upon receipt of the items to notify them of the discrepancy. They both immediately apologized and offered to give me a discount on another item and I refused. I am not sure what a discount on another item would do for me if I have shoes sitting in my house that don't fit. They are useless to me and so is the bag. I insisted on returning the items back for a full refund of my money. The seller ( s ) completely ignored me and cut off communications with me after lengthy back and forth. 

On XX/XX/XXXX and XXXX, I filed complaints with PayPal and was asked to submit documentation which I did, including pictures of items I was supposed to receive versus what I got. I also provided an estimate of shipping costs of over {$800.00} by XXXX and almost {$600.00} by USPS if I were to pay the return shipping to get the items back to the seller because I really wanted them gone. It made no sense for me to take such financial liability for the sellers fault. It would be different if the items I got were what I ordered and I decided to send them back. This was not the case. After multiple phone calls with PayPal to inquire into status of my complaints, the customer service agents assured me that they will contact the seller and request return shipping label for me so that I can send the items back because I shouldn't have to be responsible for the sellers ' mistake. Yet, instead of that, PayPal denied my claims after that. 

On XX/XX/XXXX, I called PayPal and was advised that the claims will be appealed and they were reopened. Then PayPal again denied them. And when I called today to figure out what's going on, I was advised that " PayPal can not make the sellers send return shipping label if they don't want to ''. This made absolutely no sense that the buyer should pay several hundreds of dollars to ship items back to XXXX that were different from what they purchased. PayPal gets a cut of the business but leaves the buyers stranded. Perhaps, the XXXX sellers know the prohibitive cost of shipping the items back and also know that PayPal will not hold them accountable. So, it appears the US is a dumping ground? And why would PayPal facilitate that?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Here is the transcription of the text from the image you provided : I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : 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

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