vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: LA

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 d
id 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 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 2024-12-19 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-19 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: DISCOVER BANK
State: NC

Complaint narrative:
A 3rd party towing company promised to pick up a vehicle at an agreed rate. I payed via Discover Card. The tow never arrived, after several failed attempts to contact the company, they called back and said that they found a driver to pick up the vehicle. In order to do that I would have to give the driver {$100.00} additional cash. I declined but was stilled billed the original amount of {$240.00}. I contacted discover and explained what happened. They opened an investigation, but closed it and re-billed me for the {$240.00}. I sent proof from the local police department that the vehicle was left abandoned but Discover Card will not help me resolve the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> transaction date a XXXX XXXX  withdrawal was made with my debit card. The posted date is XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I didnt do this transaction. I filed a request to dispute. Regions bank has denied my case because the card was present. I have the card! I escalated it to supervisor and still they wont give me my money back. Card has been canceled and new one sent. Its my main account! 
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 explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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
State: GA

Complaint narrative:
XXXX Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. XXXX Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. XXXX Credit Bureau also violated the Privacy Act of XXXX. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also XXXX Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court. I've talked with a representative from XXXX XXXX Department multiple times, I informed the agent that my name is XXXX XXXX XXXX, and he was supposed to correct that, I also openly disputed all the items on my credit report on a recorded line, I'm pretty sure XXXX Credit Bureau has this recording and can produce it if asked, I've also provided XXXX Credit Bureau with an FTC Identity Theft Affidavit that clearly states I'm a victim of identity theft which employees of XXXX Credit Bureau simply disregarded. The following accounts are inaccurate : Capital One 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 1099C Form ) Under 15 U.S. Code Sec 1681e I choose to be excluded from XXXX Credit Bureau list , as well as the above creditors. I reserve all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I called Cash App customer service to provide them with the transaction and retrieval ID number to find out where is my funds for XXXX both banks has did anything to fix the issue of receiving my funds it's been over 4 months and I haven't received anything from XXXX Bank or Cash App. I don't know who is lying or telling the truth about where is my funds. This has been a very disturbing experience for me. I will appreciate it if both companies really research on my funds and send my money to my address on file. They both are not corporating with me to find my missing funds. This is very upsetting to me concerning my missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: U.S. BANCORP
State: AR

Complaint narrative:
I believe this prepaid Master Card gift card was purchased from a XXXX grocery store, but I'm not certain. It was gifted to me by my father. When I received the card, it was in its original, intact and factory sealed retail packaging. I removed the card from the packaging, placed in a safe place in my home where it was inaccessible to anyone but me until sometime later. When I decided to use the gift card, I went to the website to attempt to register the card to be able to use it online. The website listed on the back of the card is XXXX  When I entered the card number and CVV, the website responded as if the numbers were invalid. I called the phone number listed on the back and was asked to provide the registered name. I told them it hadn't been registered because the website wouldn't accept the numbers. They responded that they could not assist me if I wasn't the registered owner of the card. I provided my name. They said that was not the name registered to the card. I told them THE CARD HAD NEVER BEEN REGISTERED, SO THERE COULDN'T POSSIBLY BE A NAME ATTACHED. I asked for the name of the company I had called, and was told it was U.S. Bank. They told me I would have to fax a copy of the gift card and my driver 's license to prove I am the owner of the card. I asked how I could possibly I asked to be transferred to a supervisor. They refused. I asked for the address of the company, so I could send written correspondence. They refused to provide any information. Frankly, I was concerned this was a scam and a phishing attempt, so I was just trying to ascertain as much as I could about the scammer. I have since come to believe that this is a different sort of fraud, in which this company sold prepaid debit cards as " gift cards '' in retail locations and has deliberately disabled its online registration function, so that the cards are too difficult to use. They have, in effect, stolen the money my father put on this card by placing ridiculous barriers to usage.

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company must ensure a transparent and efficient process when handling customer issues Contradictory responses and unnecessary delays are not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any accounts or transactions that i have made. It is the result of identity theft. 

The two following Closed accounts need to be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this information.

Enclosed are the following : SOCIAL SECURITY NUMBER, UTILITY BILL, GOVERNMENT ID, a copy of ftc identity theft report and proof of my identity and copy of section 605b of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identiy theft within four business days and to prompt notify the furnishers of that 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 2024-12-19 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any accounts or transactions that i have made. It is the result of identity theft. 

The two following Closed accounts need to be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this information.

Enclosed are the following : SOCIAL SECURITY NUMBER, UTILITY BILL, GOVERNMENT ID, a copy of ftc identity theft report and proof of my identity and copy of section 605b of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identiy theft within four business days and to prompt notify the furnishers of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
i have two American express cards that are corporate and business. American express said i had an American express blue card in which i do not have it i have been a victim of fraud with report and people who used my information used it all over country and world open up accounts in my name and utilized one of my bank accounts. American express has targeted me treated me different since i have had the account i have not missed a payment i went from no limit to a limit of XXXX and not able to use my card at all. every time i call i am put on hold transfer provided incorrect or misinformed. i am not treated fairly and treated like a criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have inquires on my credit report I dont even recognize and I want them deleted off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Greetings I am in receipt of the attached correspondence from your company. I dont know who you are nor do I have any contracts with you. I have also not authorized your company to use my name in any way, shape or form- as there is a copyright on it. You are FIRST, in violation of that copyright. 

Secondly, this is an attempt to extort using FALSE and MISLEADING information. It is also slander and defamation of character. There is no alleged debt that is verified or validated by your company or any others as stated in the header of your correspondence, because Milestone has redeemed funds from the US Treasury using this security AND a threatening DUNNING LETTER does not serve as validation or verification. You are in flagrant violation of the FDCPA. But, nonetheless, I have filed the proper paperwork/forms with the IRS so that you can answer to them about your illegal activities and tax evasion. I am sure they will be glad to examine your books to rectify and VALIDATE/VERIFY where the money is or is going. 

You do have 5 days to cease desist all false reporting, including and not limited to any and all credit reporting agencies.who have been alerted and will be included in any RACKETEERING charges that I file along with complaints to the Attorney General. Your poor reputation precedes you and is well documented. 

Please accept this as your warning and a cease and desist of all activities pertaining to your attempt to extort. The proper authorities will contact you for further investigation and enforcement. 

Have a nice day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB Milestone/ 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes accounts that are incorrect and should not be listed under my name. This is not only unjust, but also highly concerning, as I have never engaged in or authorized the actions associated with these accounts. If you fail to investigate and resolve these discrepancies, I will be forced to take legal action.

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