vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: AL

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
A late payment being reported which I have never been late on 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 2024-11-21 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:
A late payment being reported which I have never been late on 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 2024-11-21 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:
A late payment being reported which I have never been late on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
Experian is reporting information illegally bought by a creditor while I a victim of domestic XXXX  stalking and XXXX. I sent them even more proof and they still denied my request and left the report on my 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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
I have contacted them numerous times since XXXX, most recently in XXXX and XX/XX/XXXX, regarding my covered borrower status under the Military Lending Act ( MLA ). Despite my inquiries specifically about MLA, they initially ran an SCRA check and informed me that I did not qualify under the Servicemembers Civil Relief Act ( SCRA ) because I opened the account while on XXXX XXXX, even though I had not asked about SCRA. 

Then said I qualified for MLA and they would need to apply it. In fact on their website it states, " Credit must be acquired while on XXXX XXXX '' which it was and has been. 

Eventually, they conducted an MLA inquiry but denied my eligibility, claiming that my account, opened in XXXX, was not covered because MLA protections apply only to accounts opened after XX/XX/XXXX despite me being on XXXX XXXX in XXXX and currently still being on XXXX XXXX. However, when I consulted the U.S. XXXX Legal Assistance Office, I was informed that this interpretation is incorrect. According to the legal office, credit card companies were required to comply with MLA provisions for all relevant accounts starting from that period, regardless of when the account was originally opened. 

Additionally, I had no balance on the account until recently, which means all transactions I am being billed for likely occurred after XXXX. Any changes to terms or agreements made after that date should have been subject to MLA requirements. Despite this, American Express continues to refuse to comply with the law despite me informing them numerous times and for years of my status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: PA

Complaint narrative:
Account name : XXXX XXXX  Account XXXX Investigate the completeness and accuracy of every piece of information is not accurate, Account name : XXXX XXXX XXXX Account numberXXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : name : XXXX Account numberXXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : XXXX  XXXX Account number:XXXX Investigate the completeness and accuracy of every piece of information is not accrate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XXXX/XXXX/2024, One Main Financial out of XXXX PA texted me telling me my loan was in repossession. So I texted them back and got it all situated with a signed deferment which I have screenshots of the whole condescending conversation. Great ... everything was figured out over a span of two days of texting and waiting for them to reply to me 3 to 4 hours later. The deferment was signed on XX/XX/XXXX. THEN, on XX/XX/XXXX/24 ( Thursday ) I get another text from One Main Financial threatening to take my vehicle and pay them an ungodly amount right away. THIS IS AFTER THE SIGNED AGREEMENT FOR THE DEFERMENT. The amount of harassment is unbearable with this company. I get about a dozen phone calls a day. 4 on Thursday again, AFTER THE DEFERMENT WAS SIGNED AND AGREED UPON. One Main Financial is one of the worst companies to deal with, worse than the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2024-11-21 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:
My accounts were always on time! With XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/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.

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!

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Conduent Incorporated
State: MD

Complaint narrative:
I purchased an XXXX XXXX XXXX from XXXX on XXXX as a gift however it did not function properly, so I returned it to XXXX. Upon returning the watch they issued a refund in the amount of {$200.00} to my account. The card company refused the refund however did not return it to XXXX. They have no idea where the refund is, and suggested I file a dispute on the matter. I filed a dispute which was denied and they stated I received a refund in the amount of {$57.00} which covered this purchase. Actually, that was another item being refunded by XXXX. They sent the {$200.00} and can not reissue any amount as they have never received the refund back from this bank. They have provided a reference number for the transaction showing the bank did not return the refund at all. I have many refunds that were never issued to my card however this was a large amount I cant afford to lose at XXXX and a gift I have been unable to replace. I have provided everything they requested to solve the matter with no resolution, and no funds back. I have emailed proof of everything to this company and spoke to many representatives however it doesn't seem like they have any intention of solving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2024-11-21 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 kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2024-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
On XX/XX/year> while serving in the military a fellow service member stole a duffle bag containing my birth certificate laptop cell phone social security card tax returns and many other sensitive documents this individual was never caught and has been using my identity for several years I have tried many times to dispute these accounts with credit bureaus but with little help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Deletion and Blocking Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Sir/Madam, I am writing to inform you that I am a victim of a data breach, and I request that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I request the following : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Blocking of Accounts : Any accounts or personal information that have been impacted by the breach and are listed on my credit report should be blocked and not included in any credit report issued by your company. 

Deletion of Information : Any accounts, information, or records related to the data breach should be deleted from your files, as permitted under FCRA 1681c-2 ( a ).

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Equifax Report Number : I respectfully request a prompt confirmation of this action and an updated copy of my credit report once the necessary actions are taken. 

Please notify me of any additional steps I must take to ensure the removal and blocking of the compromised accounts and information. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to process my request, please do not hesitate to contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NJ

Complaint narrative:
I asked Equifax to investigate XXXX XXXX accounts on my credit file multiple times. Each time they come back as " verified '' and " updated '' or " verified '' and " no change ''. However this is an erroneous accounts as they DO NOT not belong to me. These accounts ARE NOT reported on XXXX as such - Equifax continues to report inaccurate data even after multiple investigations. 

XXXX XXXX XXXX account number ending in XXXX {$1100.00} original creditor XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX {$1400.00} original creditor XXXX XXXX XXXX  For quick expediting and no issue identifying me ( which delays the processes I've noticed ), I've attached a copy of my drivers license, copy of utility bill, and copy of XXXX which includes both my soc sec # and my current address. 

I now demand these accounts be removed from my Equifax credit report and an updated, accurate credit report be provided to me to document this. I am invoking my federally protected rights to a XXXX % ACCURATE credit report. 

This is my information, you are obligated as a data reporter to ensure this happens and if not, delete per federal law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year> Capital One attempted to do a a scheduled ACH transfer from XXXX to pay a Venture Card ( XXXX ) outstanding balance of {$14000.00}. This was the first payment on this new card. 

On XX/XX/XXXX, the XXXX charge was " returned ''. I do not know why but given that this was the first payment, a likely cause is a mistyped account number. Capital One refuses to provide the information needed to verify this hypothesis though they clearly have it because otherwise they could not initiate an ACH transfer. Their refusal also makes it impossible to show that they are at fault. The ACH charge does not show on the XXXX side. 

On XX/XX/XXXX, I learned of the problem because CapitalOne restricted ( i.e. suspended ) XXXX. Not knowing what the problem was, I did an ACH transfer of {$14000.00} from XXXX XXXX XXXX ( XXXX ). This transfer was successful. 

On XX/XX/XXXX, I did an XXXX transfer of {$540.00} from the original account, XXXX, to pay the not-yet-due balance. This transfer was successful. 

Capital One then suspended another, unrelated, credit card, XXXX. This card has a scheduled autopay from XXXX and has been current on payments since its inception ( at least one year, Capital One 's web site does not let me go further back ) Given the likely cause of this situation and the fact that Capital One and that I've given Capitol One all the money that they are due, and did so within hours of learning of the situation, it's unreasonable that Capital One continues to accuse me of fraud. 

They've demanded a ridiculous amount of information from me. Among other things, Capital One demanded a utility bill for " proof of residence ''. The utility company quite rightly refused to verify my billing address when Capital One called. So, their fraud department wanted something else. I pointed out that the bank statement that Capital One demanded had my address on it ( it's the original XXXX account ) they told me to resubmit the same sheet of paper that I'd already given them again but this time mark it " proof of residence '', not " bank statement ''. This is ridiculous. 

At this point, I'm thinking that Capital One is merely trying to avoid paying out the " rewards '' on XXXX. Why they also want to kill what had been a satisfactory business relationship by restricting XXXX, I just can't fathom.

Company response to consumer: Closed with explanation