vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is XXXX  days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account.

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.

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 2023-09-21 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:
XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account.

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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:
XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX XXXX was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is XXXX  days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account. 

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.

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 2023-09-21 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: CA

Complaint narrative:
I have 2 American Express gift cards with low balances and I can not find a store who will take them. Even the stores that took them the first time will no longer take them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/2023 at XXXX I tried to withdraw {$120.00}. The machine was taking forever so I started to record with my phone. The atm machine finally said timeout. So I called the bank that the atm was at and left a message and tried to get ahold of my card issuer as well. No one was available on either end and I had to wait until business hours to speak with someone. The banks atm called me right away and I was told that I would have to deal with my card issuer. My card issuer has made it impossible to find out whats going on. They refuse to escalate my call to a supervisor every time that Ive requested. I was told numerous times that they will email me an update and I have not received that either. Since then Ive had my electricity shut off and was made to pay a {$100.00} reconnection fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: Diverse Funding Associates LLC
State: NY

Complaint narrative:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Insanely high interest rates almsot XXXX  times what is owned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
This is in regards to a collection account with National credit audit Corporation. This collection agency is attempting to charge me for a debt I should not owe. The original creditor was XXXX which I have a court ordered judgment for owed debt. I would provide pictures of. I have reached out to XXXX and XXXX to have this debts removed from my consumer report and they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was selling a China cabinet on XXXX XXXX. A XXXX offered to purchase. We wrote via XXXX XXXX XXXX messenger. She asked if she could send a check. I said sure she waited a couple days to send it. She advised that she sent it with extra money in order to provide cash to the shipping company once the item is picked up. I received the check via United States Postal Service tracking number XXXX. 
I deposited the check on XX/XX/XXXX sent a receipt via XXXX XXXX messenger to XXXX. She said that it will probably clear by Monday Tuesday morning. On XX/XX/XXXX It looked as though the check cleared and the money was in my account. She then proceeded to tell me that the shipping company needed the money upfront to send {$500.00} to see if it goes through via, Zelle. So I sent it to the phone number she provided, which is as ( XXXX ) XXXX. She asked me to send her a screenshot. After that was sent she said go ahead and send {$1000.00} and you can give them the other XXXX at the time they pick up the item. She then came back to the me, and stated that the shipping company wont set up the appointment without the full amount. To go ahead and send the other {$500.00} which I did. She said that the shipping company kept on telling her they didnt receive it. I said they need to call their bank and verify. She then advised they received and shipping will be set up Wednesday the XXXX. I messaged Wednesday morning and it said it Couldnt Send I look at my account and the check was returned and my account was negative. I called the bank and submitted a claim and XXXX sent a letter stating No Action will be taken. I have all the messages and the envelope the check came in. I really hope someone can help me out or direct me of what i can do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company was issued a complaint under Case No. XXXX. Unfortunately, it has now resulted to violating the Fair Debt Collection Protection Act and I request the CFPB launch an investigation on my behalf. 

I believe LVNV Funding, dba XXXX XXXXXXXX XXXX, has violated my rights pursuant to the FCRA. On XX/XX/XXXX, I sent the company a debt validation letter in the mail via USPS. I was responding to the companys hired debt collector, Resurgent Capital Services, request that I make a payment in its letter sent to me in XX/XX/XXXX. I disputed the amount of the payment and requested the debt collector validate the debt. I did not receive a response from Resurgent Capital Services. Instead, I received a letter in the mail from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. The letter from XXXX XXXX was confusing because it failed to address if it was now the new debt collector and Resurgent was not. 

In early XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that I had a collection account placed on my credit profile. It appears that in order to circumvent its obligations under the FCRA, LVNV Funding hired a new debt collector after it received my debt validation letter and the new company XXXX XXXX XXXX XXXX ), immediately placed a collection account under my credit profile. It also appears to misrepresent the date the account was opened. The company reports that the account was opened in XX/XX/XXXX, but it was opened in XX/XX/XXXX and closed shortly afterwards due to never receiving a card in the mail after multiple requests for one. I would like to sue this company for violating my rights pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist closed my account for no good reasons. I am provided that it's some fraud and they are closing my account.On or about XXXX XX/XX/2023, I opened Truist account with the promotion code. Only after getting the account opening confirmation, I setup direct deposit. Now I got this letter from Trust on XXXX XX/XX/2023 where they are closing my account. What will happen to cash back bonus that I earned out there? What will happen to my direct deposit. 
Is this TRuist so lousy that first they let people open the account and later find that it was fraud. All the information - Driver 's license and social security and address is provided but still I am facing closure of this account.

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 2023-09-21 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: CA

Complaint narrative:
I had an account with XXXX XXXXXXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. I maintained a perfect payment history all the way up to XX/XX/XXXX. I then paid my balance off to a XXXX balance and discontinued use of the card. 4 months later I received an alert stating my score had dropped XXXX points. XXXX XXXX XXXX had continued to charge my card without any usage of the card or making any purchases, they charged my card every month without me being aware, which ultimately resulted in 4 consecutive late payments and fees and the closure of my acct and a severe hit to my credit score. When I contacted them, they admitted the misunderstanding and removed any and all late fees but failed to remove the late payments from my 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