vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
My account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-05 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: Conn's, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear CFPB. 

I have never had such a bad experience as I have had with Bank of America Visa. I signed up for their Travel Rewards Visa as I was planning a big trip to XXXX and thought this would be a good card for the trip. I was wrong. 

On XX/XX/XXXX I attempted to purchase 4 flights and 4 baggage checks from XXXX to XXXX round trip. Unfortunately, the airline ( XXXX ) double charged me. I ended up with charges for 8 flights and 8 baggage checks. When I called XXXX to flag, they said they had no record of the double charges and that Id need to contact my bank. 

On XX/XX/XXXX I contacted Bank of America and requested a refund for the double charges : {$35.00} x XXXX people {$990.00} x XXXX XXXX Bank of America issued the refund. 

I thought that would be the end of the issue. But then, on XX/XX/XXXX I got an email from the airline saying that my return flight had been rescheduled. They changed the flight to leave a day earlier with an overnight layover in XXXX XXXX. Then they cancelled our departure flight. When I called they said there was nothing they could do to accommodate our original itinerary, but offered to refund us, as I had booked refundable tickets. We took the refund. 

To summarize : We wanted to book 4 flights. We were charged for 8. Then we needed to cancel the original flights b/c of changes outside of our control. We should be refunded for all 8. We booked refundable tickets. 

Since then there has been massive confusion between Bank of America and XXXX. The confusion and error has nothing to do with us and 2 months later this has been impossible to resolve. At this point I have been charged FOURTEEN times for XXXX and refunded for only ELEVEN of those charges. There are additional charges for baggage and seat upgrades. All charges are noted in the attached documentation. I am owed {$3100.00}. 

I have called Bank of America, submitted documentation and spent at least 8 hours on the phone with them. When I called today, they said they could not guarantee that they can refund me.

Thanks much for your understanding and help.

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 monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: AZ

Complaint narrative:
REVCO SOLUTIONS , INC. ( Ref # XXXX ) is attempting to collect a debt on behalf of XXXX XXXX Account # XXXX in the amount of {$210.00}. I never opened or authorized an account for XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: UT

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/year>. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: KS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX XXXXXXXX, XXXX, 2 ) XXXX XXXX, XXXX, XXXX 3 ) XXXX, XXXX, XXXX. I request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX but my credit report shows an outdated address as 1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) XXXX. I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX, XXXX, XXXX, 2 ) XXXXXXXX XXXX, XXXX, XXXX 3 ) XXXX, XXXX, XXXX. I request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX but my credit report shows an outdated address as 1 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) XXXX. I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I would have money to be released, however, they would allow pending charges to be released prior resulting in constant overdraft fees. 
Been a member for over 10years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I, XXXX XXXX, explained in my letter : Several of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws were violated. First, the credit reporting entities failed to verify the accuracy of the information being reported about me, which is a willful violation of 15 U.S. Code 1681n and makes them liable for up to {$1000.00} per violation. They also failed to inform me of my right to opt out of sharing my personal information, violating FCRA Section 603 ( d ) ( 2 ) ( A ) and my consumer rights. 

In addition, inaccurate inquiries and accounts were furnished on my credit report without proper validation, violating FCRA Section 623 ( a ) ( 3 ) and misleading creditors by reporting false information. Debt collectors further exacerbated the situation by sharing my personal information with third-party credit reporting agencies, which violates laws that protect against disclosing debt details to unauthorized parties. 

Late payments were reported inaccurately without defining what constitutes a late payment, which is deceptive and violates timely payments regulations under the FCRA. Furthermore, finance charges were miscalculated, which the credit reporting entities are responsible for determining accurately. Finally, these entities violated FCRA Section 604 ( 15 U.S. Code 1681b ) by including information on my credit report without obtaining my written consent. 

The specific accounts I am disputing include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts involves either willful noncompliance or a failure to validate debts under 15 U.S. Code 1692g. 

Because of these violations, inaccurate and unauthorized information has negatively impacted my credit report, causing unnecessary stress and potential harm to my financial standing. I am demanding the immediate removal of these inaccuracies, proper validation of any remaining accounts, and assurances of compliance with the law moving forward. If these issues are not resolved promptly, I will have no choice but to take legal action under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
I am writing to inform you that I am a victim of a data breach and I am requesting the immediate blocking and deletion of certain accounts from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my knowledge or authorization, and I ask that they be removed from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear Midland Credit Management , Inc . 

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response via email XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.

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 2024-12-05 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: TX

Complaint narrative:
On XX/XX/year>, I received a communication from XXXX XXXX XXXX claiming that I owe a debt in the amount of {$14000.00}. The letter referenced an account with XXXX XXXXXXXX XXXX. I immediately reviewed my records and could not find any documentation supporting this debt. I believe it may be an error, and I need more information to verify its validity. I sent a written request to the debt collector asking for validation of the debt, including detailed information about the original creditor, the amount owed, and proof of their authorization to collect the debt. As of XX/XX/year>, I have not received a response to my request. Additionally, the debt has been reported to credit bureaus, negatively impacting my credit score. I believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that XXXX XXXX XXXX cease all collection efforts, remove any credit reporting related to this debt until it has been properly validated, and provide the requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
On XX/XX/year>, I received a communication from XXXX XXXX XXXX claiming that I owe a debt in the amount of {$14000.00}. The letter referenced an account with XXXX XXXXXXXX XXXX. I immediately reviewed my records and could not find any documentation supporting this debt. I believe it may be an error, and I need more information to verify its validity. I sent a written request to the debt collector asking for validation of the debt, including detailed information about the original creditor, the amount owed, and proof of their authorization to collect the debt. As of XX/XX/year>, I have not received a response to my request. Additionally, the debt has been reported to credit bureaus, negatively impacting my credit score. I believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that XXXX XXXX XXXX cease all collection efforts, remove any credit reporting related to this debt until it has been properly validated, and provide the requested documentation.

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