vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
A judgement was filed against me in the XXXX XXXX XXXX in XXXX of XXXX. The relative case number is XXXX. The debt collection Attorney retained by the lender is XXXX XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX a garnishment order XX/XX/XXXX. The total debt including interest and legal fees was {$4100.00}. 
In early XXXX I contacted XXXX XXXX XXXX and spoke with XXXX and reached a settlement amount of {$3800.00} to cure the debt. 

On XX/XX/XXXX, of XXXX I contacted XXXX XXXX XXXX and issued a payment of {$3800.00}. I was told that I would be sent a settlement letter, that the garnishment would be released and that if my pay was garnished beyond the settlement amount, that I would be issued a check to reimburse me for the overage. 

It is now XX/XX/XXXX, of XXXX and I have not received a settlement letter, however I do have bank records to prove that payment was issued to XXXX XXXX XXXX. My employer has not received the garnishment release and I have not received reimbursement for the amount garnished beyond the final settlement amount. 

In addition to the {$3800.00} that I paid to cure the debt, {$1000.00} was garnished from my pay. The settlement payment and the garnishment amount combined exceed the total debt amount of {$4100.00}. 

The overpayment and the continuing garnishment are all a result of delays by XXXX XXXX XXXX. These delays have created a financial hardship for me that has made it very difficult for me to cover my living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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.
State: MO

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-01-06 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION 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 non-monetary relief
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXXXX/XX/XXXX {$0.00} Inquiry only. TransUnion did not remove incorrect 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 2025-01-06 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: MO

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit and my personal information was exposed in a data breach. I need this disputed within 4 days not 30 days due to code 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Greetings, I am writing to seek assistance regarding an issue with a purchase I made at Best Buy. Approximately 24 months ago, I purchased an XXXX XXXX using a promotional financing offer. I believed that by making the minimum payments as indicated, the balance would be fully paid off by the end of the 24-month promotional period.

Unfortunately, once the promotion expired, I was charged {$720.00} in deferred interest, which I find both surprising and disheartening. I had sufficient funds in my account to pay off the balance, but I was unaware that failing to pay in full before the promotional period ended would result in such a significant charge. I feel that the payment terms and consequences were not adequately explained or transparent at the time of purchase. 

When I reached out to Best Buy to dispute the charge and request a reversal, they declined to remove the interest. I believe this practice is misleading and unfair, as it penalizes customers who may not fully understand the implications of these financing terms.

I would greatly appreciate your guidance on how to proceed in this matter. Is there a way to escalate this complaint, or can your office assist in resolving this dispute? 

Thank you for your time and attention. I look forward to hearing from you. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At first I received email notification ( XX/XX/year> ) that my accounts with Wells Fargo would be closed if I did not provide " Physical/Residential Address - Mail box address not allowed, update address & provide address verification. '' I have had these accounts for over two decades. Due to successive periods of unemployment, and despite having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am still unemployed and have been homeless since XX/XX/year>. I need my checking account to stay open to receive weekly unemployment benefits, so I can survive - feed myself and house myself temporarily at the XXXX XXXX. 

My friends and family do not want to be associated with me. The XXXX XXXX is providing only weekly temporary shelter. 

The Private Mail Box ( PMB ) provides a physical address, so that address should be sufficient. Wells Fargo has been sending mail to that PMB since XX/XX/year>, so I do not understand this current communication from Wells Fargo " If your information is not updated, we are required to close your account ( s ). '' Further, in their notices both through the mail to this same physical address I have provided and the emails I have received from Wells Faro, Wells Fargo has not provided the phone number for their legal department so I can address this issue. Also, in these notices, Wells Fargo has not provided the name of the institution or contact information for the institution " requiring '' this physical address that is not a " mail box. '' This regulatory overreach is impacting me and my family very negatively. Closure of my checking/debit account will mean that I can not receive my only source of income - my weekly unemployment benefits- to feed and house my family. Further, this account complication is at a time when my family is most vulnerable financially and physically.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I receieved a letter from health organization where my daughter was born stating that there has been a data breach of their system and my personal information may be at risk. They sent my an XXXX data monitoring code good for 1 year that I could use with XXXX. I have since received email updates of credit lines and inquiries I did not authorize. I have filed a police report as well as an FTC report and am sending copies to each Bureau and asking for a credit freeze or my name and SSN as well as my XXXX XXXX XXXX daughter. This is a real inconvenience because I want to purchase a home and am having inquiries and loan applications show up on my report. I'm taking as much action as possible to avoid monetary loss due to Identity theft.

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 2025-01-06 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2025-01-06 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subject : Request to Cease Communication Pursuant to 15 U.S.C. 1692c ( c ) Dear Portfolio Recovery Associates, I am writing to formally request that you cease all communication with me regarding the debt referenced in your communications. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692c ( c ).

Please note the following : Cease Communication : From the date of this letter, you are no longer permitted to contact me by phone, mail, email, or any other means regarding the aforementioned debt. 
Legal Actions : If you intend to take legal action against me, you are permitted to notify me once, as required by law. However, any further communication regarding the collection of this debt is strictly prohibited. 
Disputes and Errors : If there is an error in your records or if you wish to provide verification of the debt as required under the FDCPA, you may do so once. I reserve the right to dispute any inaccuracies.

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities, as well as pursuing any legal remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inaccuracies and errors that continue to appear on my credit report despite my repeated efforts to rectify the situation. These erroneous reports have definitely caused considerable inconvenience and negatively impacted both my financial stability, mental health, and emotional wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: KY

Complaint narrative:
I am writing to express my deep concern and frustration regarding the inaccuracies and errors that continue to appear on my credit report despite my repeated efforts to rectify the situation. These erroneous reports have definitely caused considerable inconvenience and negatively impacted both my financial stability, mental health, and emotional wellbeing.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
This situation is completely unacceptable. Accounts in pending litigation are still appearing on my credit report, and its damaging my credit score every day. Ive reached out several times to correct this, but I havent seen any real progress.

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 2025-01-06 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: IA

Complaint narrative:
Upon reviewing my credit report, I discovered the presence of fraudulent accounts. As a victim of the XXXX XXXX data breach, my personal information was utilized to create these unauthorized accounts. Kindly remove them as they are adversely affecting my creditworthiness.

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 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have received zero mail, documentation, email from the company. I believe this is intentional on their part to obfuscate the fact that we have no formal/contractual agreement to pay this amount of money.

Company response to consumer: Closed with non-monetary relief