vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> i pulled my credit reports and discovered a account that was not mine.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 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: CA

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 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened my line of credit on XX/XX/XXXX. I never received a credit card in the mail. 
I still do not know my account number or have a physical credit card from Old Navy. 
Today, XX/XX/XXXX, I received a statement for a balance I had already sent payment for on XX/XX/XXXX. The Barclays company said they did not receive payment. I gave them the account number and had XXXX  XXXX XXXX on a three way call. My bank representative tried to offer proof of payment to the creditor. They did not want proof. The representative from the creditor told the bank representative that she could leave the call and that she would handle the situation. Again, the bank representative offered to send proof of the payment. Again, the creditor representative declined. I told the creditor representative that I wanted the bank representative to stay on the line. At that point the creditor representative said a case will have to be opened. I confirmed I wanted that action to take place to handle the dispute. The creditor representative said she could not do that she did not have access to place a dispute. The creditor representative transferred me to someone who could. I was sent to XXXX, another creditor representative. He opened the case but again refused proof of payment from my bank representative. He said it wasn't necessary. He made the case and indicated that it will take 1-2 billing cycles to resolve. I asked about late charges and interest fees. He said I would have to call back to resolve that later. 

My case # with Barclays is XXXX My case # with XXXX XXXXXXXX XXXX is XXXX This is not the first problem I have had with Barclays. I have a Carnival credit card. They charged me {$6.00} more after I had paid all of my balance off. I was told that the interest accrued on the balance because it was a day or two before the payment posted on their end even though the payment was before the due date.

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 2024-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I strongly dispute the debt charged by XXXX XXXX XXXX, as I am not responsible for it. Despite several requests, XXXX XXXX XXXX has failed to provide me with validated proof of this debt. I have never entered into any contract with them, and thus, I am not liable for the payment. I kindly request that this matter be resolved immediately and the charge be removed from my account. Thank you. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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:
My social security and information was part of identity breach with all three credit reporting agency a few years ago. I have been disputing, names, addresses and negative credit that does not belong to me with the creditors and more so with the credit agencies. The credit agency have not verified anything nor sent any proof of verification. I have bot been able to get many items removed and at least 14 items are already seven years old and false. I want to know if i can still file my claim

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 2024-04-29 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: OH

Complaint narrative:
I took out a loan from this company in 2023. I had previously done business with them and paid all previous loans on time as agreed. Shortly after taking out this particular loan, my bank account information tied to my automatic ACH/debit payments was compromised, so I notified Possible to postpone the scheduled payments until I could get a new bank account and debit card issued to connect to my account to make payments. I was offered the option of paying by money order, which I did not want to do. On XX/XX/2023 I received an email regarding my payment status, which clearly stated that I could use the XXXX XXXX website to submit my remaining payments. It took a few weeks to get my new account information, and on XX/XX/2023 I received an email stating that my account needed to be paid in full by XX/XX/XXXX in order to avoid charge off. Again, it referred me to their online services department to remit payment, which I did. I logged in and paid off my loan in full on XX/XX/2023. I did everything on my end, but this company failed to process my payments for over 10 days, which put it past the XX/XX/XXXX deadline for the chargeoff. I called and emailed multiple times prior to XX/XX/XXXX to see why they had not processed my payment and closed the loan on the XXXX and I was told that they wanted me to pay by money orderdespite having sent multiple emails advising me to pay online via debit card. This has resulted in a derogatory mark on my credit and I am in the middle of trying to buy a house for my family. I have all of the documents to back up my claim that the loan was paid on the XXXX, and then they CANCELLED my payments over a week later in order to charge it off. I want this removed from my report immediately to reflect the account being paid as agreed and NOT CHARGED OFF

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently reviewed a copy of my credit report and I had fraudulent accounts on my report. Please remove these accounts they are hurting 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 2024-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I am disputing the charge-off reported on my account [ insert account information ] because it violates the FCRA regulations. Specifically : SANTANDER CONSUMER USA XXXX - 15 U.S.C. 1681c ( a ) ( 1 ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports ''.

- 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''.

- 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '', which does not include income information like charge-offs. 

- XXXX XXXXXXXX XXXX XXXX  ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. 

- 15 U.S.C. 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. 

- XXXX XXXX XXXX XXXX ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. 

The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. 

This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: SD

Complaint narrative:
I will submit XXXX complaints, one for each pre-paid Amex gift card. 
XXXX ) Ends in XXXX, balance {$1600.00} ( Complaint Number XXXX ) XXXX ) Ends in XXXX, balance {$2500.00} ( Complaint Number : XXXX once I submit this form ) In XXXX, I received XXXX {$2500.00} American Express gift cards ( prepaid business gift ) in leu of an awards trip through my employer. 
I was able to use the first card ( ending in XXXX ) XXXX time at a hotel on XX/XX/XXXX. I was unable to use the card after that. Working with AMEX, I was able to have restrictions removed and made another purchase on XX/XX/XXXX to purchase a ski pass at XXXX XXXX XXXX XXXX. Now the card is not working again. There is a balance of {$1600.00}. 
The second card ( ending in XXXX ) has never worked. It has a balance of {$2500.00}. I tried using it to make a purchase at a hotel XX/XX/XXXX, on XXXX in XX/XX/XXXX, in-person at XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX, and in-person at XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. 
I spoke with a customer service representatives several times. They said the cards should work if I used the cards in-person. They do not. 
I had the company send me replacement cards in XX/XX/XXXX, hoping that would resolve the issue. It did not. 
On XX/XX/XXXX I called Amex again because I was trying to make an in-store purchase at an appliance store. The AMEX customer service representative said it must be the magnetic strip ( on the recently replaced card ) and recommended replacing it a second time. I do not believe that is the issue. 
I am tired of not being able to use my cards. The AMEX site says they can be used anywhere AMEX is accepted. This is not the case. I would like my money please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-04-29 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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-29 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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has started not tallying your purchases over the weekend, so now, on Monday, you get slaughtered with charges. If you're not keeping track of each time you swipe your card and balance your checkbook like it's 1980, they'll hit you with a bunch of overdraft fees. 

This is new. Even just two months ago, your card would get declined ( even on the weekend ) when you exceeded your balance. Sure, there were the occasional charges/merchants charges that didn't go through until the next business day, but it was rare. Now it's basically every single charge that happens over the weekend. 

It looks like a scheme to get more overdraft charges to me. I know the industry lost that as a revenue-generating source, and this appears to be a new way to claw back at those poverty profits.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My mortgage company is phh mortgage l our purses house in XXXX for XXXX and now is XXXX and I owe XXXX at my account. Most of my payments have went towards escrow. Any of it went towards principal and Im not understanding it so I would like someone to check to see if thats correct because what I understand as long as Ive been in this house which is 17 years most of my payments should go towards the principal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
REFERENCE # XXXX. CITI. XX/XX/year> I RECEIVED A LETTER ADDRESSED TO MY FORMER NAME. 

I called the number indicated in the letter to voice my concern that someone applied for credit without my consent. They verified that there were no open credit card accounts under the name in the letter.

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