vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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 accounts 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/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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 non-monetary relief
Consumer complaint received 2024-12-11 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:
There are multiple inquirys on my account that werent opened by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-10 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  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/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Sapphire Card ending in XXXX and Chase Freedom card ending in XXXX : I was charged a total of approximately $ XXXX by merchant XXXX. I raised a dispute and sent the attached document to Chase showing PROOF that XXXX AGREED and SIGNED a document stating he is RETURNING $ XXXX between these XXXX cards. Chase Disputes GAVE HIM THE MONEY BACK ANYWAY! Are we in the Twilight Zone? I have talked to Disputes for over XXXX weeks totalling about XXXX hours and also the Executive Team for over XXXX hours. I even conferernced the XXXX departments on the phone together. They either hang up on me or give me the run around and around and around and around. What a JOKE! They need to return that money back NOW! My Freedom card is MAXED OUT and I can not even purchase food!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please 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 2024-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: FL

Complaint narrative:
The lender name is climb the total amount XXXX they would not let me cancel the loan I never used it or started the course Ive been trying to cancel this loan since XX/XX/year> An I never started the class an its effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/XXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
SUBJECT : Formal Complaint Regarding Violation of Servicemembers Civil Relief Act ( SCRA ) by IQ DATA INTERNATIONAL INC. ( debt collector ) and XXXX  XXXX. 

Dear Sir or Madam, I am submitting this formal complaint against IQ DATA INTERNATIONAL INC. for actions that I believe constitute a violation of the Servicemembers Civil Relief Act ( SCRA ), resulting in an erroneous {$10000.00} plus debt reported on my credit report. 

Background : Lease Agreement : I entered into a lease with XXXX  XXXX on XX/XX/XXXX, with a termination date of XX/XX/XXXX. 
Military Orders : On XX/XX/XXXX, I received official military orders necessitating relocation. I promptly informed The XXXX management via telephone of my intent to terminate the lease early due to these orders. At that time, I was unaware of the formal procedures required under the XXXX, such as providing written notice and a copy of my orders. 

Violation of SCRA Provisions : The XXXX ( 50 U.S.C. 3955 ) permits servicemembers to terminate residential leases upon receipt of military orders for a permanent change of station or deployment of not less than XXXX  days. The Act requires delivery of written notice and a copy of the military orders to the landlord. While I provided verbal notice, I did not furnish the requisite written notice or orders at that time. 

Despite this oversight, The XXXX imposition of a {$10000.00} plus debt and subsequent negative credit reporting contravene the SCRAs intent to protect servicemembers from such financial penalties. 

Impact : This erroneous debt has significantly impaired my credit standing, hindering my ability to secure housing and affecting my financial stability. 

Requested Resolution : I respectfully request the Consumer Financial Protection Bureau to : XXXX. Investigate IQ DATA INTERNATIONAL regarding The XXXX Apartment Complexs actions concerning this matter. 
XXXX. Enforce Compliance with the XXXX, ensuring that IQ DATA INTERNATIONAL INC. and The XXXX rectifies the erroneous debt and updates all credit reporting agencies accordingly. 
XXXX. Provide Guidance on any additional steps I should take to resolve this issue and restore my credit standing. 

I am prepared to supply any necessary documentation, including my military orders, to support this complaint. 

Thank you for your attention to this critical matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This is a closed account from XXXX  with XXXX. I was contacted by NCB with threats to damage my credit and take legal action. They started reporting late payments on this closed account in attempts to ruin my credit and force me into an agreement with them. I have requested that they stop and they have continuously reported these false late payments. 

Improperly reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: UT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-12-11 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: AZ

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$7100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00} XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$710.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute with Debt Collection and Lack of Contract Documentation Dear Sir/Madam, I am submitting a formal complaint regarding a debt collection issue with XXXX XXXX  XXXX XXXX and KINUM INC XXXX 

I would like to state that I am not liable for this debt with XXXX XXXX XXXX XXXX, and I do not have a contract with KINUM INC., as they did not provide me with the original contract as I requested. Despite my repeated requests, KINUM INC. has failed to supply the original contract, which is crucial in proving my responsibility for this alleged debt. 

Please investigate this matter and ensure that I am not held responsible for a debt I do not owe. I have attached all relevant communication and documentation regarding my interactions with XXXX XXXX XXXX XXXX and KINUM INC. for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-11 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: DE

Complaint narrative:
Capital XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-12-10 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: OK

Complaint narrative:
This morning, I discovered some inaccurate accounts on my credit report, and Im utterly confused and panicked about how they got there. I always check my credit report regularly, and Ive never had this problem before. I refreshed my browser repeatedly, hoping it was just an error, but the issues remained. Im pleading with you to thoroughly review the documents Ive sent so I can finally stop worrying about this nightmare.

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 2024-12-10 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-12-11 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has been sending me emails saying I'm pre approved to get a line of credit so I've applied a couple of times, I've been denied every time... .I contacted them and asked them to stop contacting me and I still receive pre approval offers on an almost daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander Bank did not report my payments for the month of XXXX. On other occasions he filed a dispute due to this inconvenience. so if you don't report my payments my credit score is affected. Today is XX/XX/XXXX and I check my credit score and it shows that my last payment was XX/XX/XXXX. I made the payment for XXXX and XXXX and they do not appear.

Company response to consumer: Closed with explanation