vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I am unable to use an AMEX GIFT CARD. The value is {$100.00}. Amex says the card is active and also is able to be used on online or in physical stores. Anytime I try to use it it is always declined,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reporting on my credit file, which has been reported to XXXX, XXXX, and XXXX by Lendmark Financial Services. I have always had a great relationship with Lendmark and have managed my account responsibly. Unfortunately, due to financial hardship following the birth of my newborn, I fell behind on my payments. However, I find it deeply disappointing that Lendmark would choose to report this in a manner that jeopardizes my creditworthiness and reputation. 

Specifically, I dispute the accuracy of the alleged late payment transactions reported to my credit reports. According to 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. 

The law states under 15 U.S. Code 1681a ( c ) Exclusions : > " ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include > ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' My transactions and experiences with Lendmark Financial are excluded from the consumer report. You have no legal right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

Additionally, the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments, which stipulates : > " ( 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. '' To comply with this section of the law, Lendmark Financial must provide proof that the information required under 15 USC 1637 ( b ) was mailed out or delivered to me 21 days before the payment due date. Please provide this proof, as a creditor can not legally treat a payment as late without adhering to this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear CAPITAL ONE AUTO FIN, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with relevant XXXX XXXX identity theft fraud laws. 

It has unequivocally come to my attention that CAPITAL ONE AUTO FIN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Saint Louis identity theft fraud laws emphasize the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE AUTO FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and showing an unequivocal disregard for federal and local laws.

I demand, with the utmost certainty, that CAPITAL ONE AUTO FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX XXXX identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obliga
tion under th
ese specific sections of the FCRA and XXXX XXXX identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE AUTO FIN will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2024 - I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke with a gentlemen who gave the name of XXXX. I advised I received a notice in the mail to appear on a XXXX  on XX/XX/XXXX about a charged off debt for Capital One. I advised him that I would like to work out arrangements. I gave him the XXXX XXXX : XXXX. He asked how much I could pay I explained {$100.00} a month and he asked if I could afford {$200.00} a month which would be for 24 months to pay the remaining balance owed of {$4700.00}. I advised I could not. He stated he would mail a fact sheet to me at my home address which he verified and I never received the fact sheet which was explained by XXXX to include my income and debts to determine my ability to pay to work out a payment plan. 

XX/XX/2024 : I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke with a gentlemen who gave the name of XXXX. I explained I never received the fact sheet in the mail and again he said he would mail the fact sheet. He also mentioned that a judgement was going to be filed against me. He verified my address again and said he would mail the fact sheet to my address. I also asked for the managers name which he gave XXXX for my records. 

XX/XX/2024 : As of today Im filing a complaint because I received another Notice of Taking Deposition Duces Tecum In Aid of Execution to appear on a XXXX  on XX/XX/2024 from the XXXX XXXX XXXX XXXX XXXX XXXX however I never received the Fact sheet I was promised and they refuse to accept the payment arrangement that Im willing to pay. Also this account charged off with Capital one and by law according to the IRS I should have received a 1099 cancellation of debt when this account initially charged off. In addition the law offices representative who I spoke with has yet to send the information requested and Im requesting that all collection activities be ceased as result of Capital One not following the law to provide a 1099 and the attorney office promising to mail a fact sheet and has not provided the information. As well as telling me a judgement is going to be filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
TransUnion fails to perform a thorough investigation. XXXX XXXX  XXXX sent a letter to them and myself in XXXX to remove negative and XXXX XXXX status and TransUnion continues to report INACCURATE information. Recently their investigation confirmed more 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 2024-05-17 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: GA

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 2024-05-17 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-17 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MN

Complaint narrative:
In XXXX, I started working at a XXXX non-profit that is approved for XXXX forgiveness. At the time my loans were in deferment. I had issues with the servicer XXXX XXXX in getting documentation submitted. I applied for XXXX and was approved XXXX, and was told I was to make a small interim payment to continue on the {$0.00} XXXX plan. The next time, I sent in my XXXX with the application and they lost it. They admit they lost it. In XXXX of I believe XXXX?, I sent in again. They processed it, but I didn't receive information or the statement for the small payment until well into XXXX, when the payment was due in XXXX. As soon as I knew, I called in and they put my loans in forbearance until they could straighten out the issue. They then rejected my application and placed me back on a standard payment plan. I again received no communication about this until months later when they sent me to collections. I have filed multiple complaints with the XXXX XXXX XXXX in regard to XXXX XXXX. I worked XXXX  years for the XXXX, and applied for XXXX by XX/XX/XXXX deadline after rehabilitating my loans out of collections/default. My service went back and forth from XXXX to MOHELA. Currently MOHELA states that any collections time ( albeit my loans were rehabilitated ) and any deferment or forbearance, which were the result of issues with the servicer errors, are not allowable as part of the XXXX  months for XXXX and I would have to continue to work at a XXXX at a decreased wage for XXXX more years to qualify. That is XXXX  XXXX because the information provided by a servicer that is no longer contracted because of errors and mismanagement ( XXXX XXXX ) should be held accountable for the XXXX issues, and MOHELA should be asked to process as XXXX right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am reviewing my credit report and I get this account that I don't recognize, I call the company and they don't give me an answer that's why I want to report it, I don't know it and it shows up in my credit guru and according to the law it says that there is a difference between the credit gurus You can send the companies for false payment information which is fraud because that account is not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, 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 2024-05-17 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: KY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 2024-05-17 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the account information listed below that is currently reported on my credit report. I believe this account contains erroneous information and violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Creditor Name : LVNV Funding Account Number : XXXX Amount in Dispute : {$630.00} The primary issue with this account is as follows : Harassment and Unreasonable Communication : The debt collection company has repeatedly called me at unreasonable hours, specifically after XXXX PM. Additionally, I have experienced continuous harassment calls from this company, despite having enforced a cease communication request in accordance with the FDCPA. 

Enclosed with this letter, you will find documentation of the numerous missed calls from the same collector, demonstrating their violation of the FDCPA. This behavior has caused significant distress and inconvenience. 

Given these circumstances, I respectfully request the following : Immediate Removal of This Account : I ask that this account be removed from all credit bureaus to rectify the harassment and unreasonable communication violations. 

I appreciate your prompt attention to this matter and expect a resolution within XXXX days. Please inform me in writing of the outcome of your investigation. Should you need any further information or documentation, do not hesitate to contact me. 

Thank you for your time and assistance

Company response to consumer: Closed with explanation