vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These accounts were never late! I have maintained an exceptional payment history with XXXX XXXX, and all payments were placed on autopay. The late payment that is being reported is the result of a systematic error on their end in processing my payment. This was clearly a billing error made by the company and does not reflect my payment experience, which violates USC Code 1681eb. This error has caused severe harm to my reputation, character, mode of living, and my family! I demand that the late payment reported on these accounts be removed. They are not in compliance with the following law : 15 USC 1666b. Its requirements set the standards and guidance for a creditor to treat a payment as late, yet they are reporting a payment as late without complying 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. These accounts 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 to rule 1002. It was never provided. This is unfair, illegal, fraudulent, and inequitable to me as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
Complaint Details : I am filing a complaint against XXXX for continuing to report my student loan debt inaccurately despite receiving a Copy

B of a 1099-C, which indicates the debt should be considered canceled and reported as paid in full. Key Points : 1. Incorrect Reporting of Student Loan Status : I received a Copy B of a 1099-C f
rom XXXX, indicating the cancellation of my student loan debt. Despite this, XXXX continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
2. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. XXXX has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
XXXX. Neglect of Consumer Rights : XXXX ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( EFTA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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:
Complaint Details : I am filing a complaint against XXXX for continuing to report my student loan debt inaccurately despite receiving a Copy B of a 1099-C, which indicates the debt should be considered canceled and reported as paid in full. 

Key Points : 1. Incorrect Reporting of Student Loan Status : I received a Copy B of a 1099-C from XXXX, indicating the cancellation of my student loan debt. Despite this, XXXX continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. XXXX has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
XXXX. Neglect of Consumer Rights : XXXX ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( EFTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
Complaint Details : I am filing a complaint against XXXX for continuing to report my student loan debt inaccurately despite receiving a Copy B of a 1099-C, which indicates the debt should be considered canceled and reported as paid in full.

Key Points : 1. Incorrect Reporting of Student Loan Status : I received a Copy B of a 1099-C from XXXX, indicating the cancellation of my student loan debt. Despite this, Nelnet continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ).

2. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. XXXX has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
XXXX. Neglect of Consumer Rights : XXXX ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( EFTA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I never had any debit with this company. They are reporting to my credit report XXXX and XXXX and XXXX in accurate and false statement and debt and late payments with this company that I never had any business with Jefferson Capital System They have put it in my credit report XXXX and XXXX and XXXX inaccurate information that I owed them a debit I never had with this company. They inaccurate say I have a debt and late payments with this company and I do not know them. 
I never sign or have any business with this company Jefferson Capital System. 
This false inaccurate information that is entered in my credit report XXXX and XXXX and XXXX is causing me not to be able to obtain credit auto loans ECT I demand under USC 1692 C that they remove their company Jefferson Capital System from my credit report with XXXX and XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please review my credit report. I noticed the creditors are not cooperating with the request I need for the inaccurate items on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2024 On XX/XX/2024, I sent in a letter to Chase which said the following : " Hello Chase Disputes, I have submitted evidence that these charges are not valid. Please can a manager give me a call back regarding this case because I have not heard anything regarding the status of the case. The last thing I heard was that the merchant was required to respond and that it was under merchant review. I have not heard anything since. 

I am available to answer any questions or to provide additional documentation upon request if it is required to substantiate my claims. 

Thanks '' As of XX/XX/2024, I have not recieved a call back from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Locked my account XX/XX/XXXX without notice. 
I called and they wanted proof that a closed business account was open. They had failed to transfer my business to my new business XXXX  years before. They wanted proof my closed account from XXXX years ago was open and wouldn't accept that my new business was active for XXXX years and wouldn't unblock the account. They wouldn't come up with any situation to unblock the account. I asked to close the account immediately. I paid the full balance and was credited any fees. They were supposed to close the account of that day as of XX/XX/year>. 

Now I get a statement showing interest and fees on a closed account. I called and they said they can't access the account but that I owe these interest and fees as it was never closed. They can't access the account to even help me as it's restricted on their side from the business account issue above. I am being charged fees and interest and even a yearly fee on an account that I can't use and they were supposed to close XX/XX/year>. They won't help and are holding me hostage ruining my credit. I can afford to pay but it's not right that they made a mistake and won't fix it. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My account with ( XXXX, XXXX, XXXXXXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX, XXXX, XXXXXXXX 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I was charged {$92.00} for the " XXXX XXXX XXXX Star Legend Clipper with Ultimate Wide Range Fading for Professional Barbers and Stylists. '' The item arrived damaged and defective. I contacted XXXX on XX/XX/year>, and was instructed to keep the product. I was also emailed that I would be refunded {$87.00} for the product plus {$4.00} in taxes, totaling {$92.00}. However, I did not receive the promised refund. 

I filed a dispute through WellsFargo.com on XX/XX/year> and provided a copy of my email confirmation from XXXX indicating that I would be refunded a total amount of {$92.00}. I answered every question emailed to me by Wells Fargo XXXX, but my dispute claim was denied and closed with no explanation. 

I have emailed Wells Fargo several times at the provided address ( XXXX ) but have not heard back from anyone. I also called Wells Fargo Disputes at XXXX multiple times and was connected with agents in the XXXX. I attempted to explain my situation to them, but due to language barriers, they often did not understand, and I had to re-explain the issue multiple times. When I realized there was a language barrier, I asked where I was calling, and they confirmed it was the XXXX. I then politely requested to speak with a XXXX agent but was met with pushback. They informed me that their protocol was to transfer me to a XXXX, and they refused to transfer me to a XXXX representative. 

The last time I attempted to resolve this situation with Wells Fargo was on XX/XX/year> at XXXX A.M. MST, and I encountered the same issue with a representative in the XXXX. I believe this should be an easy dispute to resolve. There was XXXX charge on XX/XX/year> for {$92.00}, and I have an email confirmation from XXXX stating they would credit me back {$92.00}. However, I did not receive the refund. 

This is not a complicated dispute, but the hurdles of speaking with offshore representatives in a different country who do not understand the situation are creating significant barriers. I have done my due diligence by emailing several times and attempting to explain the situation to representatives in the XXXX, but I am getting nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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 reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots 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 2024-06-30 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: IL

Complaint narrative:
Please eliminate these inquiries. I am unaware of this matter, and the company went ahead without my 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 2024-06-30 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:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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