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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) that were affecting my credit report, and I took action to dispute them. Specifically, I found several inaccuracies and violations by credit reporting agencies and debt collectors. These violations include : Willful Noncompliance : Credit information was accepted about me without verifying its accuracy, violating FCRA Section 616, which could lead to civil liability of up to {$1000.00} per violation.

Failure to Disclose My Rights : The reporting agencies failed to inform me about my right to opt out of sharing personal information, which is a violation of FCRA Section 603 ( d ) ( 2 ) ( A ).

Furnishing Inaccurate Information : Debt collectors and credit agencies reported inaccurate inquiries and accounts without proper validation, violating FCRA Section 623 ( a ) ( 3 ), potentially leading to deceptive reporting practices.

Unfair Debt Collection Practices : Debt collectors reported inaccurate debts without my consent and without following the required validation process outlined in 15 U.S. Code 1692g,
which has caused me distress and unnecessary contact from creditors.

Unauthorized Hard Inquiries : Several companies made hard inquiries on my credit report without my written consent, which is a violation of 15 U.S.C. 1681b ( a ) ( 2 ). These unauthorized inquiries were not for permissible purposes, and I am requesting their immediate removal. 

Inaccurate Reporting of Late Payments : Some creditors reported late payments without defining what constitutes a " late '' payment, making the reporting misleading and inaccurate. 

I have formally disputed these issues and requested that the involved parties immediately correct the inaccuracies, validate any alleged debts, and remove unauthorized inquiries from my credit report. If these actions are not taken, I have stated that I will pursue legal remedies as permitted under the FCRA, including seeking civil damages for willful noncompliance.

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 card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX XXXX. Ssn XXXX Colorado, XXXX, XXXX XXXX XXXX Amazon store card XXXX I ordered a product on Amazon but didnt receive it in full.I am unsure why the seller did this ; it may have been accidental or intentional. I returned exactly what I received. In the XXXX years I have been shopping, I have never encountered issues with sellers, and this is the first time such an incident has occurred. Amazon refunded my money after I made the return, but a month later, I noticed that money was deducted from my account again. Amazon returned again, but I was charged again by seller and my bank let him do it. Amazon stated that it was not them but the seller, and that I needed to resolve the issue with my bank. Amazon attempted to assist, but they were informed that the time frame had passed, and they could not make changes. My bank did not support my case, but I do not intend to pay for nothing.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My account with XXXX TRANSUNION 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 TRANSUNION 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
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: 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 non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters have reported inaccurate and unverified collections on all of my credit reports. I sent a letter to this company on XX/XX/year> requested a validation of debt letter and to stop all collection efforts. To remove any negative remarks from my credit report. I also did a follow up email with no response from the collection agency. They continue to report this debt they claim to be mine with zero proof. I disputed the debts with proof that I have asked this collection agency to validation of debt as it is my legal right under the FCRA. To this day I have not received proof that these debts belong to me and they continue to report the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently opened a small business account with Capital One to support my new XXXX XXXX When opening the account, I informed the bank that I intended to use it for transferring money between banks, wire transfers, and ATM withdrawals.

Approximately three weeks after opening the account, I attempted to link my debit card to XXXX XXXX but was informed that this feature was not available for business accounts, which I accepted. However, shortly afterward, I noticed unauthorized charges from XXXX on my account. I immediately reported these charges to Capital One, who filed a dispute on my behalf and issued me a new debit card. 

A week later, I attempted to transfer {$8000.00} from my Capital One account to my brothers XXXX XXXX XXXXXXXX account. This was necessary because I needed cash to make a critical business payment, and Capital One does not have any branches in Michigan, where I am currently located. Unfortunately, after initiating this transfer, Capital One restricted my account. 

I have called Capital One more than four times to resolve this issue, but each time I am told that I must wait for a review of my account, which could take several weeks. This delay has put my business in jeopardy, as I am unable to access the funds necessary to make my payment. 

I have explained to Capital One that this situation is urgent and that I risk losing my business if I can not access my funds, but I have not received any meaningful assistance. The funds in this account belong to me, and I am unable to take any action to resolve this matter due to the banks restrictions and lack of support. 

I am requesting the CFPBs assistance in resolving this issue promptly. My business can not withstand further delays, and I urgently need access to my account to make the required payments. 

Thank you for your attention to this matter.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. Your assistance is crucial in resolving these matters to protect my financial stability.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws that impact my credit report and personal information. These issues include unauthorized hard inquiries, inaccurate personal information, unverified debts, and deceptive reporting practices. Heres a detailed breakdown of the violations : FCRA Section 616 ( Civil Liability for Willful Noncompliance ) Credit information about me was accepted and reported without proper verification, showing willful noncompliance with the FCRA. FCRA Section 603 ( d ) ( 2 ) ( A ) ( Failure to Disclose Opt-Out Rights ) My right to opt out of sharing personal information was not disclosed, violating my consumer rights. FCRA Section 623 ( a ) ( 3 ) ( Furnishing Deceptive Forms ) Inaccurate inquiries and accounts were furnished without proper validation, which is deceptive and breaches accounting principles. Debt Collection Practices Act Violations Inaccurate debts and accounts were reported, leading to harassment and unnecessary contact from creditors. Violation of Acquiring Location Information Regulations Debt collectors disclosed debt information to third-party credit reporting agencies, which is prohibited. Deceptive Reporting of Late Payments Late payments were reported without defining what constitutes lateness, leading to inaccurate reporting. Finance Charge Miscalculation Incorrect finance charge determinations were made, showing negligence in reporting responsibilities. Violation of Permissible Purpose Requirements Hard inquiries and credit report entries were made without my written consent, breaching FCRA 's guidelines for permissible purposes. I demand immediate action, including the correction of personal information, removal of unauthorized hard inquiries, and validation or deletion of unverified debts and accounts. Specific requests include the deletion of inaccurate personal information tied to a XXXX XXXX XXXX XXXX XXXX and the removal of several hard inquiries and accounts associated with debt collectors who failed to provide proper validation. Failure to comply with these demands may result in legal action as outlined in the FCRA and associated statutes.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: DE

Complaint narrative:
My account was 67 days past due. I paid my car note after XXXX Friday XXXX. This payment made the account 37 days past due. My car was repossessed that Friday after the payment was made. I have been trying to get my vehicle back since then. The company is refusing to work with me despite the policy being repossession after 60 days. They want me to pay 3 payments despite one of the payments not being due yet. I have asked if I can pay another payment to get back in the vehicle. They are refusing. It is impossible to work with this company. Ive had this escalated to management and they are still unwilling to assist.

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: TX

Complaint narrative:
I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. Your assistance is crucial in resolving these matters to protect my financial stability.

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 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: TX

Complaint narrative:
I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. Your assistance is crucial in resolving these matters to protect my financial stability.

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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/year> I applied for a U.S. Bank Business checking account that had a {$400.00} promotional offer for opening & transferring X amount of $ into the acc, and leaving it until the XXXX day from opening. The very next day on XX/XX/XXXX I recieved a welcome email, saying my account was opened, and to add funds to it. I managed to bring my balance over the {$5000.00} needed to earn the bonus by XX/XX/XXXX, and I left the balance over XXXX until XX/XX/XXXX, which was the XXXX day from opening. I withdrew most of the funds, and still used the account as normal. I never recieved the promotional money that was offered, so I called US Bank. They informed me my account was " Opened '' on XX/XX/XXXX, not the XXXX so I wouldn't qualify for the bonus. I said no that is incorrect, I have the email from the XXXX, and even setup my online profile on the XXXX. The rep pretty much said I was out of luck. I have screenshots & Emails.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 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 of 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 2024-11-29 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : 19 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation