vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: Valor Intelligent Processing, LLC
State: PA

Complaint narrative:
Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX, has violated my rights. 


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.In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX  Accounting # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: PA

Complaint narrative:
Equifax will not comply with fcra guidelines Im attaching a report with accounts that should not be on my credit anymore due to identity theft I filed many claims I have also provided a police report many times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-04-20 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: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
my domestic partner and i got XXXX he was XXXX i was XXXX  around XXXX, i was accessed a late fee, ive never been late with them ever, always paid within grace period, the wavier was granted BUT, they sent CASH to my checking account via XXXX, for said wavier instead of applying it to my account which made us 20 days late according to their website, it also made it impossible to split my payment into installments of bi monthly payments which is how i have been basically paying off this loan from upstart.com then after going back and forth with the creditor/lender they basically said this conversation is over we will not respond to you any further. i asked them NUMEROUS times why would you send ME money of XXXX $ for accessed late fee, their lie was that i PAID the XXXX $ and they reimbursed me which was a lie, i paid on XX/XX/XXXX the XXXX $ BACK to upstart. they are CLAIMING that i paid before they sent it, which was false. i paid on XX/XX/XXXX because that was when i noticed i had money sitting in my XXXX XXXX XXXXXXXX checking ending in XXXX from upstart. they're making it harder for me to pay split payments and currently it appears as i no longer may have a grace period. its frustrating and i feel as if it is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding an ongoing issue with XXXX not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted XXXX multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all three of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.

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 2024-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding an ongoing issue with XXXX not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted XXXX multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all XXXX  of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I am writing to express my concern regarding an ongoing issue with XXXX not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted XXXX multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all XXXX  of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.

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 2024-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I pulled my credit report and notice IC Systems is report a balance in the amount of $ XXXX am disputing this charge.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Account XXXX reporting as a collection on my credit report this is inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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:
Upon review of my updated consumer disclosure report, I noticed that the very same inaccurate account I disputed initially in detail is still being reported to my consumer report. As it stands, this account remains both inaccurate and incomplete. EXPERIAN XXXX XXXX, this agency is in violation of the Fair Credit Reporting Act. This agency is in violation of 15 USC 15 USC 1681i. In XXXX response to my dispute, it claimed that the accounts XXXX  XXXX Account Number : XXXX was updated which is an implication that changes were made to the accounts. What exactly was updated? The same inaccuracies persist on the accounts that were initially disputed. XXXX XXXX XXXX ( XXXX XXXX. 2019 ) ( defining verify is [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). XXXX put express requirements on companies with respect to information that can not be verified. EXPERIAN has failed to correct the inaccuracies I have specifically instructed it to correct. It has validated inaccurate information, and as a result the listed accounts are hereby disputed. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Delete the following accounts account : XXXX XXXX Account Number : XXXX The reporting of this account is a violation of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You have violated XXXX Compliance procedures and format for reporting! Delete these accounts from my consumer report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TN

Complaint narrative:
I was a victim of equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to bring to your attention an issue I encountered with Capital One, which has led to an unfair fee charge. 

On XX/XX/XXXX, I was charged a fee of {$39.00}, coinciding with the due date and payment date for my account. However, on the same date, I encountered technical difficulties with the Capital One app, preventing me from making the required payment online or via the mobile app. 

Despite my attempts to resolve the issue, including contacting Capital One at XXXX XXXX  on XX/XX/XXXX, I was informed by the representative that the system could not process or accept payments after XXXX XXXX. This was despite the fact that the due date was clearly stated as XX/XX/XXXX. I explained that I had made multiple unsuccessful attempts to submit payment before the cutoff time, but encountered persistent errors within the app. 

Subsequently, I contacted Capital One again on XX/XX/XXXX, only to be informed that the system was unable to reverse the fee. This is not an isolated incident ; it marks the second or third occasion where I have been penalized due to technical issues on Capital One 's end. 

I believe that this fee is unjust and request your assistance in resolving this matter. I kindly request that you investigate this issue and take appropriate action to rectify the situation. It is imperative that consumers are not unfairly penalized due to technical shortcomings beyond their control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 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: CO

Complaint narrative:
Capital One Savor One account ending in # XXXX. I have a XXXX % interest on this card but the statement does not show the date this XXXX % ending date occurs. All credit card companies should have to post this date on the statement so users don't acquire any additional interest penalties. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have no direct business with Portfolio Recovery, and XXXX XXXX. I've never signed up for any services with them and never signed any type of documents. I want the accounts removed from my credit reports. I don't have any business or documents from the either company. provide proof i signed documents with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: IL

Complaint narrative:
I am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/2023, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.

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 2024-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely

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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I submitted my credit card payment to American Express on the day it was due. American Express is system, however, did not market as received until the following day. They have charged me interest in two consecutive cycles based on that payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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