vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
After searching more for Zoca Loans, they don't even exist anymore. A representative for Zoca Loans at XXXX has stated that Zoca Loans doesn't operate anymore. XXXX XXXX XXXX is trying to collect on something that doesn't exist as the representative also said that any Zoca Loans were XXXX balanced out. If XXXX XXXX XXXX can't produce the orginal documents for the " alleged '' loan with Zoca to validate, then they must stop collecting and remove the file from the credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TN

Complaint narrative:
We opened the account on with Capital One in XXXX of XXXX based on promotional materials we reviewed. 

On XX/XX/XXXX, our statement balance was paid in full, as well as some of the current billing cycle balance. 

On XX/XX/XXXX, we noticed our XX/XX/XXXX payment had still not been applied even though the funds had cleared our bank account. Per the terms of the monthly statement, it states that we will receive credit for a mobile payment " as of the business day we receive it, as long as it is made by XXXX XXXX ET ''. In this case we made the payment well before XXXX XXXX XXXX and according to the terms of the monthly statement, we should have been credited that day. 

On XX/XX/XXXX, at XXXX XXXX I spoke with customer service about the issue. I was told for the first time that all payments we make in excess of {$300.00} will receive a XXXX hold. Which is literally every payment one would make on this credit card. There is nothing in the Credit Agreement, our monthly Credit Statement, or promotional materials we received from Capital One that discloses this. Had we known this, we would have not have applied for their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: DC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported to be removed.

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-29 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: MD

Complaint narrative:
I was a victim of identity theft Ifrom being XXXX XXXX XXXX XXXX all my information was stolen along with my purse made a report on XX/XX/year> with XXXX report number XXXX with officer XXXX XXXX badge number XXXX. My identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by EQUIFAX XXXX XXXX XXXX XXXX XXXX account number XXXX {$2300.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5400.00} along with several bank accounts being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Apple Card wrongfully and unlawfully closed my account. This has resulted in a big dropped of a XXXX XXXX as I have a credit card account with them for a long time. I called the company XXXX times trying to get the reason why my account was closed and escalated to upper management. They never provided the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
There was an account opened up in my name XXXX of XXXX that I wasnt aware of until I started getting collection notifications! This account is NOT mine! So, I took action and contacted the company numerous times and the representatives told me that I was a liar because they had my information. I requested to close the account because it wasnt mine and so they did a month or so later! I had and currently have FRAUD ALERT on my credit report for the past XXXX years because of this! I have disputed this account numerous times with XXXX, XXXX, & XXXX. With one of the many investigations it was DELETED on XX/XX/XXXX, the proof is in the paperwork! The company still denies it! I have also filed numerous complaints with the XXXX  as well. Barclays Bank is still declaring the account to be accurate and that it is correct which is NOT true!

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 2024-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I.C system placed a debt on my credit report without proper notification in a dunning letter on the ability to dispute this debt and or notifying me that they were a debt collector. The company did not provide a debt verification or dunning letter prior to placing this debt on my credit report. As such, this debt needs to be removed.

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 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX I check my synchrony credit card account that I paid off so I can be ready for purchases for the XXXX  just to find out that they closed my account. I called the number provided for customer service and was told by a lady that my account was closed due to derogatory or delinquent accounts which isn't true, all my accounts are in good standing. They also said because of balances too high on accounts which also isn't true because I paid down all my accounts below 30 % utilization and my payment history is 100 %

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 2024-08-29 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: FL

Complaint narrative:
I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors.

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately.

I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.

I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.

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 2024-08-29 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX received dollar amount {$510.00} from website XXXX. Amount credited to SKRILL XX/XX/scrub>XXXX  - Transferred {$510.00} to XXXX  XXXX XXXX checking account XX/XX/year> - Account Restricted XX/XX/year> - Submitted email and verified information ( name, home address, birthdate, CA identification card ) to h restrict account Information given XX/XX/scrub>XXXX  - received confirmation email stated it may take up to 72 hours for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete. 



The following companies don't have permission or authorization to request my credit report : Inquiry details XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Name Account Number Amount Number Status XXXX XXXX XXXX XXXX {$520.00} Paid, Closed/Never late. 
XXXX XXXX XXXX {$240.00} Open/Never late. 
XXXX XXXX XXXX Secured Loan. Paid in settlement. {$300.00} written off. 
XXXX XXXX XXXX {$300.00} Paid, Closed/Never late. 
XXXX XXXX {$4900.00} Closed/Never late. 
XXXX XXXX Closed/Never late. {$0.00}

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 2024-08-29 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: GA

Complaint narrative:
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies don't have permission or authorization to request my credit report : Inquiry detailsXX/XX/XXXXInquiry : XXXXXX/XX/XXXX XXXXXX/XX/XXXX Inquiry : XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Name Account Number Amount Number Status XXXX XXXX XXXX XXXX {$520.00} Paid, Closed/Never late. 
XXXX XXXX XXXX {$240.00} Open/Never late. 
XXXX XXXX XXXX Secured Loan. Paid in settlement. {$300.00} written off. 
XXXX XXXX XXXX {$300.00} Paid, Closed/Never late. 
XXXX XXXX {$4900.00} Closed/Never late. 
XXXX XXXX Closed/Never late. {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The title company repossessed my car and sold it for a very low price. It was not a reasonable price. It couldve been sold for twice the amount. They wouldnt take my payment 3 days late and wanted me to pay 3x the amount due. I tried numerous times to pay what I could before the repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-29 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: NY

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, 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