vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: KS

Complaint narrative:
I had a security freeze on my credit reports on XX/XX/XXXX I unlocked it to get credit from a company called XXXX  when I opened my XXXX  account I noticed a collection from a company called Consumer Adjustment states they are the original creditor that it was opened XX/XX/year> for XXXX a collection last reported XX/XX/year> I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I have two prepaid cards for {$100.00} and {$50.00} respectively. I have tried to use them with XXXX, XXXX XXXX, XXXX, etc. and they will not work. I've also tried to check the balance of them ( even though I have no successfully purchased anything ) and even this process does not work on the AMEX site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: AR

Complaint narrative:
See attachment. They ran a scheme to fix Al of their apartments. Then where going to XXXX XXXX to not get noticed.this has been going on for a while, I have so much more documentation. Even involving a police officer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received my Trans union credit report and XXXX XXXX XXXX # XXXXis inaccurate and incomplete. I also have a fraud alert on my consumer report, so my information should not have been given to another debt collector during that time. Which go against the Fraud alert law. There is not a payment history at all on my report for this creditor. I did not give this creditor any type of permission to have my information in anyway. No documentation will show otherwise. I did not sign any documents and or they do not have any evidence of my state id or any other type of other forms verifying my information. This is tremendously affecting my consumer report and score. I recently put in a dispute letter on XX/XX/XXXX for this account to be removed immediately. This creditor stated they are keeping this account on my file with the inaccuracies. I demand this account to be removed immediately. SECOND ATTEMPT. 


I have rights for my consumer report to be fully completed and accurate through all three bureaus in regards to FCRA. 

According to this law CRAs must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained within a consumers report. 

Creditor goes against the FACT ACT, which contains seven major titles one of them being Enhancing the Accuracy of Consumer Report 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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-25 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXX XXXX to my XXXX my XXXXXXXX, my XXXX XXXX XXXX and to my XXXX! 

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! 

XXXX5 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 non-monetary relief
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In XXXX of this year, XXXX XXXX  ( Arkansas ) closed a checking account with a negative balance of around {$120.00}, so the account was closed off and reported to ChexSystems. After being denied when attempting to open a checking account, I contacted XXXX and was told that they had reported to ChexSystems that the amount had been paid and should be removed from my report, and that I should contact ChexSystems. I called and filed a dispute stating that having this on my report is affecting my financial stability, and they informed me that they would contact XXXX and would follow up with me by mail. They have since informed me that although the {$120.00} was paid with another account ( and could have been prior to the account closure ), the charge-off will remain on my report for 5 years, now making it impossible to open a checking account with any other institutions that use ChexSystems.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
My account with ( 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 in ( MONTHS REPORTING LATE ) 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 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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received my XXXX statement from capital one, I noticed that they were charging me interest for an incorrect balance then I contacted the bank on XX/XX/24 at XXXX to notify them that the amount charged was incorrect and the XXXX-speaking representative XXXX responded that it was correct and I had to pay it and I asked to speak with a supervisor her name was XXXX and I told her the situation and she said that I had to pay the interest.In summary, this was the situation : the previous balance from XXXX was approximately {$540.00}, I made a payment of approximately {$340.00} minus a cash back applied to the balance of approximately {$10.00}. I had a balance from the previous statement of {$190.00} and it was assumed that I would pay interest on that amount as the same statement says on page # 6 But the supervisor is unaware of that information and hostilely refused to correct the amount and proceeded to close the account and proceed to report them to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns has violated my rights by calling more than the law allows per week. I have screenshots and call records of the excessive amount of times they try to contact me when my account is not even in collections. It can be a day or two late and theyre calling me multiple times in a day, back to back, and from several numbers trying to get me to answer. The law strictly says that collectors can not call more than 7 times per 7 day period, one call per day! 

The Fair Debt Collection Practices Act States Debt collectors are also prohibited from engaging in conduct that is intended to XXXX XXXX XXXX XXXX XXXX 

The amount of times they call is XXXX and I need them to stop calling me. My account is late, not in collections. I will pay when I pay. 

I should not even owe this debt to begin with. They added interest to this account that should never have been added and I wouldve been paid off by now if they hadnt done so. They refused to remove it and now Ive been paying this off and Im paying over double what the item was even worth! So Im not sorry if Im late on paying a debt I shouldnt even owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
There was multiple unauthorized transactions from three different XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX two of my desputes were resolved in my favor the rest they are still investigating when I believe if one payment from these cash tags are unauthorized then all are the dates of these payments take place between XXXX and amount in over {$3400.00} only {$400.00} was resolved they keep giving me the run around I've talked to multiple cash app reps some of which were very disrespectful they won't provide me a reference number or aloe me to speak to a supervisor and they won't provide me with a provisional credit that they state in there terms and conditions they are mandated to do in the first ten business day while the investigation takes place I told them I'm a single mother with a emergency to pay rent or quit and also need to get my XXXX XXXXXXXX XXXX and they do not want to help me I have given them all the Information they need and even filed a police report and they still won't help I have screen shots of the full chat with the representative being very disrespectful that I can provide to you if needed I'm on the verge of a XXXX XXXX with no one to turn to if you could please help me it would be very appreciated you can reach me by email at XXXX and by phone at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I was sent {$600.00} to my Venmo account for XXXX XXXX car rims from a customer it was shipped and they received it all of a sudden Venmo suspended my account then it was unsuspended again but yet I can not cash out MY {$600.00} balance they asked for me to verify identity etc I sent my driver license I sent the receipt that I also gave customer mailing address with my name I basically gave them everything to then come and tell me that my account will be closed and that I would have to wait up to 180 days to receive my money I contacted them numerous times for an explanation they still will not give a clear explanation now on XX/XX/year> they filed for the 180 days to begin but when they sent the date it said XX/XX/year> is when XXXX receive my {$600.00} to cash out of his is RIDICULOUS and I can not wait that long this company is a big time SCAM and customer service overall sucks its my money and I need it NOW they already made a decision and closed my account so just give me my balance of {$600.00} and end it but instead theyre holding my money XXXX so I need to get this money back its XX/XX/year> now as I wrote this letter as well I need this money for upcoming rent and bills or else XXXX going to be in a big hole financial wise so please help me get my money released now rather than XX/XX/year> which does not even add up to 180 days from XX/XX/XXXX so CLEARLY theyre on some sketchy stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief