vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
My account with those crediotrs 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 those account 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.

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 2024-08-19 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a personal loan with an approximately {$10000.00} balance. 
I recently paid {$3800.00} to this loan, expecting a portion of it to pay this months interest and the rest to pay down the principal balance. 
On their payment page they ask the question, " do you want this to go towards future payments? '' to which I selected no. I want it to be applied to this months payment and this months principal balance. 
After making the payment, I noticed that it now says I do not have another payment due until XXXX of 2025, meaning, they have applied my paymnet to future payments. 
I called the company and spoke with a customer service rep who said that unless you make additional payments on the exact day the loan payment is due, then it is always applied to future payments. Regardless of what you select on the payment page. 

What this means is, I still have to pay interest on the higher principal balance until each of these payments are applied each month between now and XXXX. 

This is fraudulent in my mind, they are extorting higher interest payments out of me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally request your assistance regarding an issue I have encountered with my credit report, specifically concerning inaccurate information reported by Experian and XXXX. 

I have recently reviewed my credit reports from both agencies and found that they are reporting a negative account which a XXXX  XXXX account. XXXX that is not only incorrect but also misleading. The account in question is, XXXX which has been marked as negative despite being closed and having always been in good standing. 

This erroneous reporting has negatively impacted my credit score and my ability to secure credit. I have taken steps to resolve this matter directly with Experian and XXXX ; however, my requests for corrections have not been addressed satisfactorily. 

I kindly request that the CFPB investigate this matter and compel both Experian and XXXX to remove this inaccurate account from my credit report. I believe this will not only rectify my credit history but also uphold the standards of fair credit reporting. 

Thank you for your attention to this urgent matter. I appreciate your assistance in ensuring that my credit report accurately reflects my financial history. 

Sincerely, [ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I am compelled to lodge a serious complaint about the unauthorized charges for XXXX XXXX subscriptions that continue to appear on my credit card, despite my repeated attempts to resolve this issue. The lack of action and the appalling level of service from Chase Bank have forced me to seek your immediate intervention. 

For several months now, I have been subjected to unauthorized charges for XXXX XXXX subscriptions on my credit card account. These transactions were not authorized by me, and my numerous attempts to cancel these charges and stop the subscription have been completely ignored. Chase Bank has repeatedly failed to address this issue effectively. Despite my explicit requests to block these transactions, Chase has claimed that they are unable to prevent further charges or stop the subscription service from charging my account. 

In a desperate effort to resolve this, I also requested a token reset for my credit card. This is a basic security measure that should have been straightforward. However, Chase has refused to assist with this request, leaving me exposed to ongoing unauthorized charges and demonstrating a blatant disregard for my financial security. 

Furthermore, my attempts to get XXXX to address this issue have been equally futile. I reached out to them to report the unauthorized charges and to request they locate the account responsible. They have been unable to resolve the issue, largely because I have canceled the compromised card and received a new one. Their inability to resolve this matter is both frustrating and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Paramount GR Holdings, LLC
State: WV

Complaint narrative:
Requested reasonable accommodation to receive paper statement 's to make payments immediately.. 
Company is refusing to provide statements hoping I don't so the terms will change.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, again the XXXX was sent to PNC Headquarters, asking if my credit file could be cleared by removing my name from this Joint Checking Acct. & from the attached XXXX XXXX XXXX XXXX, which is causing the XXXX XXXX reporting when this acct is overdrawn. I had called a few times & expressed my concerns. 

In XX/XX/XXXX, I went into a local PNC Branch with the Joint Acct Owner to remove my name. I was informed that b/c the Joint Owner did not want to close this acct, & that my name could not be removed? Again, explained that this is an ongoing problem which has affected my credit score ongoing. Advised that I have not had any transactions on this account over 10yrs, but it appears that the Negative actions taken have caused my credit to be affected. I have had credit as high as XXXX, to be redXXXX XXXX XXXX XXXX of this ongoing account " overdrawn issues ''XXXX The Joint Owner continues to overdraw these accounts. 

XX/XX/XXXX This account was again overdrawn & I rec 'd this notice from XXXX from PNC. 
Your XXXX  XXXX  has decreased by XXXX points. 
Your XXXX  XXXX  has decreased XXXX points to XXXX. Since your XXXX  Score decreased, you are now viewed as more of a credit risk to creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

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 y ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
They want to charge me for something. I dont recognize and something I dont owed and something I never sign

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
My account with 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 60 days 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.

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 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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX I gave company my signature for a bank credit card account and they keep giving me a bank debit card account with a legal name error. A bank credit card account comes with equal scale, ledger, and gold coin when you had me listed as a bank debit card account database by legal name error you need to correct your balance sheet as I am a bank credit card account with equal scale, gold ledger and coin. I'm illiterate and I am a bank credit card account than there's a bank debit card account blocking my access to finances. Bank debit card XXXX XXXX XXXX is denying my bank credit card legal name.

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 2024-08-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
1- I'm XXXX, I financed a used vehicle worth {$7000.00} with a {$2000.00} down payment and they financed a value of more than {$11000.00} contract in English where I didn't understand anything they placed insurance without informing me vehicle with problems where I had to fix them out of my pocket and there are still problems in the vehicle where I reported and I didn't get a response purchase date XX/XX/year> 2- they placed a payment due on an account without authorization and I canceled the debit via the bank app, this month of XXXX I paid on time via debit card on the app and they still debited another installment, that is, I paid XXXX installments and there are none in arrears, I sent them I sent several emails without a conclusive response and I was left with no money to buy food for my family as I never expected this abuse financial western funding account code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Service acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/year>, I noticed a charge of {$230.00} on my XXXX debit card from XXXX that I did not authorize. The transaction occurred on XXXX XXXX XXXX, and the item was shipped to XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. My card information is saved on my XXXX account, but I did not make or authorize this purchase. My card was in my possession when this transaction occurred. 

Immediately after discovering the charge, I notified XXXX and contacted Money Network to dispute the transaction. Despite my efforts, my claim was denied without a thorough investigation. I request that you re-evaluate my dispute, thoroughly investigate the unauthorized transaction, and restore the disputed amount to my account.

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 2024-08-19 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: VT

Complaint narrative:
My account with 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 60 days 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.

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 8

Company response to consumer: Closed with non-monetary relief