vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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:
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 USC1681 } XXXX XXXX XXXXXXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX ... .Has violated my rights ( 15 USC 1681 ) section 602 ( a ) states. I have the right to privacy. ( 15 USC 1681 ) section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

( 15 USC 1681c ) ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes, which antedates the report by more than XXXX years. 

( 15 USC 1681 ) s-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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Capital one I have previously sent u a request to validate my debt acct # XXXX. Under the fair dabt collections practices Act fdcpa i have the right to request validation of the debt you say i owe u. I have given you 30 days to remedy the situation which is a very reasonable period i have received no reply from you. Since you are still reporting this account on my credit report you are now in violation of the fcpda and are now subject to fines of {$1000.00} which i may collect from you by filing claim in small claims court. You should be aware that reporting such invalidated info to major credit bureaus might constitute defamation of character as the negative marks on my report harm my credit and prevent me from enjoying all benefits of good credit.im sure your legal team will agree that non compliance with this request could put your company in serious legal trouble with ftc and state or federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NC

Complaint narrative:
XXXX XXXX  is over XXXX months behind reporting my updated account balance to the credit bureaus.

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 2024-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21 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: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX XXXX EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payment to be paid on time immediately.

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX XXXX EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: IL

Complaint narrative:
XXXXXXXX XXXX offered me a settlement payment offer which detailed XXXX total payments ( XXXX payments of {$190.00} and XXXX payment of {$200.00} ). Accepting this offer would allow me to pay off the balance and close-out the account early. In completion of this offer within the XXXX payments in XXXX, XXXX, and the final payment in XX/XX/year>. They would report the updated information to the credit bureaus. Unfortunately, when they reported the paid information to the bureaus. They did not correct the " XXXX XXXX '' during those months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have contacted them twice and they haven't fixed the incorrect reporting. 

Thanks, Blessings

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 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I contacted the XXXX XXXX to report a fraud and that happened on the XXXX and my account was suspended, and yet I didnt unlock my account but there is ultimate fraud happened after that date. Second issue was with cash app and I reported the scam but thy wont provide me with any details regarding those transactions along with my XXXX wallet that was hacked and yet they didnt give me any information about to whom my funds were transferred. Later I reported with my bank region account and they denied my dispute with no explanation or chance to give me any details based on what evidence thy all denied my claim when I did attached all the documents regarding fraud that my money went to XXXX and I have no business there

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 2024-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year> XXXX XXXX from Kohl 's responded to my original complaint ( # XXXX ), however she grossly misunderstood my complaint. 

It appears she thinks my complaint is that I was not notified that I had a balance due, however the issue was not that I was not notified that I had a late payment, the issue is that I was that I was NOT NOTIFIED that a negative report would be made to my credit. 

According to the CFPG : " A debt collector MUST use at least one of the following ways to contact you about your debt BEFORE it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered '' NONE of these occurred. 

According to a statement from Consumer Attorneys ( XXXX XXXX XXXX/ ) : A federal law called the Fair Debt Collection Practices ACT ( FDCPA ), requires collection agencies to send WRITTEN NOTICE to debtors within five days of their very first contact with the debtor. The notice must include the amount of debt, the name the notice must include the amount of debt, the name of the creditor, and a notice that the recipient has the right to dispute the debt within 30 days. If a collection agency fails to send this notice to the debtor, they can face legal penalties. 

In my situation, a negative report was placed on my credit BEFORE I was ever contacted by Kohls. 

Due to these reasons, I am requesting the negative report be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Letter of Intent [ XXXX XXXX ] C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] ** ** [ XXXX, XXXX ] ** ** [ XX/XX/year> ] -future **XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXon , DC 2022XXXX CC : EXPERIAN **Re : Request for Settlement of Debts Pursuant to 12 USC 411 and 50 USC 4305 ( b ) ( 2 ) ** Dear -Experian, I am writing to formally request the settlement of { Any and all debts past present and Future ] pursuant to 12 United States Code ( USC ) 411 and 50 USC 4305 ( b ) ( 2 ).

As per 12 USC 411, Federal Reserve Notes I may be redeemed in lawful money at the Treasury of the Federal Reserve Bank. In addition, 50 USC 4305 ( b ) ( 2 ) provides for the discharge of obligations in times of national emergency.

I am exercising my right to use lawful money to discharge the debt fully.

Thank you for your prompt attention to this matter. 


Done in Good Faith, By : 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 non-monetary relief
Consumer complaint received 2024-09-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-21 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: Freedom Rides, Inc.
State: DC

Complaint narrative:
In accordance with The Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602, which states the right to privacy. 15 USC 1681 states section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end XXXX XXXX  plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report XXXX Dear XXXX XXXX XXXX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$410.00} Open balance LVNV FUNDING LLC Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name LVNV FUNDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I sent 3 letters XXXX to get the 1099C that is required when a debt is written off. They have failed to provide information. The sold the account and now a third party is trying to collect on a debt that is written off and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
I was charged {$380.00} for XXXX XXXX  and I did not authorize these charges, they are saying that someone in the household made the charges therefore they will not resolve the dispute, I am the only authorized user on this credit card and the charges weren't made by me, I do not understand how I am responsible for unauthorized charges to my account when I am the only authorized user on this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX site, they advertise a {$500.00} statement credit against your purchase. 

I applied for the offer and was approved. 

I have many credit cards, and consider myself quite savvy on promotional offers etc ..... I'm the type of person who ACTUALLY reads the terms before I apply. 

After doing that, I was still strongly under the impression that the flow of events would be like this XXXX ) Complete offer XXXX ) Approved XXXX ) new card ( XXXX XXXX XXXX Amex  ) would automatically apply against the transaction. 

That was especially true, because on my actual transaction, it indicated a {$500.00} credit to show a " new total balance '' to illustrate that the credit would be applied to the SPECIFIC transaction in reference. 

In the terms, it says an instant card number may not be made available, but that does NOT mean the new card would not be automatically applied to the transaction payment. 

The terms do not indicate anything about the envionment of the promotion itself, which demonstrates that it does not explicitly disclaim the posibility that the card may not be used on the transaction it is portrayed to ( for the promotion ). 

The fact of the matter is that it shows a lower transaction price " your new price after the credit '' but there is NO way to actually do that. It's perhaps the MOST MISLEADING PROMOTION I HAVE EVER SEEN IN MY LIFE. 

I actually couldn't believe it. I ended up having to use a different card to book my flights, and am sorry out of luck on the {$500.00} credit until this is further resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have provided documentation on my mother 's mortgage to Wells Fargo. They claim she is not on the title for the mortgage ; however, she has been here in the house since inception since XXXX. The XXXX XXXX XXXX XXXX XXXX has provided me everything they have on this mortgage. Wells Fargo insists that my mother is not on the title and has issued and acceleration for {$10000.00} by XX/XX/XXXX. I have been in home preservation status since XX/XX/XXXX and have been going back and forth with them to prove she is on the deed ( title ).

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