vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I accidently signed up for Experian XXXX  through XXXX. Now there's way to cancel it. 
The website shows no option to cancel. It says you have to call. 
I called the number given. The only time someone deigned to speak to me, all they did was give me a spiel about doing it online. 
You can't. 
I've been trying for almost a week to get this taken care of. 
Every single call is intercepted by their gatekeeper recording that " can only transfer under limited circumstances. '' It just keeps running the same circle til it hangs up on you. 
I want this canceled immediately, I want Experian out of my life, and I want verification that it has in fact been canceled. Email will be fine. 
It shouldn't be this hard to cancel anything, and a company that can't be bothered with its customers shouldn't even be in business. 
I want this done with.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THAT ACCOUNT WAS NEVER LATE. ACCOUNT HAS ALWAYS BEEN CURRENT.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: OH

Complaint narrative:
Round about 8 months ago I thought I was being charged for an account that's been closed I tried to address it with the support from Dave banking I was told my calendar been closed they had no other information for me it was explained what a monthly membership was like I was remedial I explained to them through eight more emails that I didn't have an account with them so I didn't need to be charged the monthly membership only to still be charged 6 months later when I looked at my statements and I went through a 17 emails this time they've asked for information like my last four socials my name birthday and give them all this information they told me they would straighten it out now 5 days ago 6 days ago I was told they're going to investigate it my question is why are you investigating I didn't take your money you took my money to support people have said you took my money and I don't have an account why can't you give my money back and that that makes no sense they're just for lack of a better way of putting it giving me the runaround I guess and that's not acceptable in the level of support that I've received from these people is not acceptable I have 8 months to open this time just wasted and can't get anybody to respond through an email with any question I have

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: IL

Complaint narrative:
My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company 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.

This company 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Me and my brother have a joint bank account where he was depositing his checks to cover house bills. He deposit a check which was returned according to capital one it was due to an invalid bank account. The employer wont issue a another check because capital one sent them a copy of the check stamped proving the deposit and there account hasn't received the funds. I have contacted capital one 3 -4 times regarding the issue all they can say is that they will send me a letter saying they don't have the funds but my employer as well, its a he said she said situation. Being that I have credit cards and continue to use this account i feel as if capital one isnt taking care of the matter.

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: HW Holding, Inc
State: MD

Complaint narrative:
Called Hunter Warfield on XX/XX/24 inquiring collection reporting to only XXXX. The balance reporting is {$5700.00} but Hunter Warfield stated on the call that the balance is {$2700.00}. I have not made any payments or been aware of any payments made. They would not send me copies of the balance they show, who made the payments and when. If I can't have access to this information why are they reporting it on my credit? They stated they have outsourced the debt to XXXX XXXX. Called XXXX numerous times and left on hold not being able to speak to anyone.

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 — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have sent several letters with no response to this company regarding inaccurate information being reported. In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, has violated my rights.XXXX XXXX XXXXhas violated my rights. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX  has violated my rights, XXXX XXXX XXXXXXXX has violated my rights, 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 an account without my written instruction.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 :

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX informed me by mail of their intention to foreclose on my property in the amount of {$89000.00}. I was informed that I had until XX/XX/year> to dispute the debt or the would assume that their information is correct. On XX/XX/year> I hand delivered my DEBT VALIDATION LETTER to XXXX XXXX XXXX XXXXXXXX for SELECT PORTFOLIO SERVICING as SERVICER for XXXX XXXX XXXX XXXX as Trustee in Trust for registered holders of XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX disregarded my validation request and proceeded to send me a summons to court before I had the opportunity to receive the DEBT VALIDATION INFORMATION that was requested and was never produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am in the mist of getting my credit in line so i can move my family into our first home, but when looking at my report i have multiple name addresses and social security numbers that are not mines, i have reach out to all 3 credit bureaus and giving them my full name XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my job history should not be on there nor my social security for privacy reasons. please help rectify this matter and fix this ASAP!!! i request to get my personal information updated in XX/XX/year>XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICED I HAD FRAUDULENT ACCOUNT 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 2024-06-25 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: U.S. BANCORP
State: CA

Complaint narrative:
Filed claim with XXXX XXXX US Bank stayed at XXXX XXXX XXXXXXXX XXXX 
XX/XX/XXXX to XXXX. 
Had to be moved to 2 other rooms because XXXX in first room. 
No service to the room 5 days XXXX XXXX available at desk only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 5 pages explanation from hotel & credit card companies. Bank said I signed the terms and conditions can not reverse. Been a buyer for 40 years. Terms & conditions apply both way if company dies not fullfill there part of the contract.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XX/XX/year> around XXXX I received this text : Call Radius Global Solutions LLC XXXX Reference # *omitted* Your rights from our recent letter remain Other rights/make payment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I removed the reference number for my privacy. 

I have not received a letter or any of forms of communication from this company and they did not disclose they were a debt collection. Agency or that they were trying to collect on a debt. I am unaware of what debt they own of mine and they have provided no information. 

I have not responded in any way, as I can not respond to this type of message except to stop these kinds of communication.

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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
There is an account on my credit report with the account number XXXX reporting that I was 60 days late in XX/XX/2022. I was never late on this account and there are no prior late payments reporting so how does this meet FCRA requirements? There should have been a 30-day late payment prior to the 60-day late payment. In XXXX, I did experience billing errors, but I spoke with management years ago and at the time there was no derogatory marks, so I am confused by this misinformation. I do understand that this can be a problem in itself with the CRA 's, but I wanted to reach out to the source. If this is in fact an error on the credit reporting agencies end, please reach out to them to have them fix this error as this is affecting me. I was never sent an information regarding this late payment reporting and I would love if this were updated to paid as agreed, never late, without escalating this matter.

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: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have been unable to link accounts to my Axos Bank primary checking account, whether using current XXXX XXXX browser or current XXXX XXXX browser. This issue is specific to Axos Bank, as I am able to link my Axos Bank checking account from the XXXXXXXX XXXX XXXX end. XXXX must repair/ restore/ remediate these APIs with XXXX XXXX and related external partners as required.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with the XXXX  XXXX and i was never late! I have had exceptional payment history with this company 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.

This company 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 explanation