vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: IL

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account previously listed on my credit report by XXXX, Experian, and XXXX. Specifically, I disputed a charge-off account from XXXX XXXX XXXX XXXX on my XXXX secondary credit report. After completing their investigation on XX/XX/2024, XXXX fully deleted the account from my report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the verification of disputed information, XXXX deletion of this account indicates that the information could not be verified. As such, this unverifiable account must also be removed from my credit report with your agency to ensure compliance with the FCRA. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. If XXXX, a recognized consumer reporting agency, has deleted this account due to its unverifiability, it stands to reason that your agency must take similar action to ensure compliance with federal law. 

If this account is not removed within 30 days, I reserve the right to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA. These provisions allow for statutory damages, attorneys fees, and costs in cases of noncompliance. 

Please consider this letter a formal dispute and request for deletion of the unverifiable account. I expect the removal of this account within 30 days or less to avoid further escalation. Attached to this letter, you will find supporting documentation, including proof of XXXX deletion of the account, for your reference. 

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide written confirmation once the account has been removed. Should you require further information, do not hesitate to contact me at the above-listed email or phone number.

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 2024-12-19 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: NC

Complaint narrative:
This Company : Plaza Services, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX ) Appeared on my credit report, I disputed the validity of this account because Ive NEVER received anything in writing from this company. 

I once received a cryptic text message that did not include my name or any personal information. I called the number and a man stated he represented an old account of mine. I requested that his company make contact with me in writing via US mail with a debt validation letter. 

It has been 4 months since then and I have yet to receive any written correspondence from this company and when I disputed this entry on my credit report as fraudulent ~ it was not removed or updated. 

Since Ive never received anything in writing, I do not have any further identification markers for this entry. The information Ive provided above is as it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Most of the issues began about XXXX of last year with the my XXXX account with capital one, the account as well as all of the other accounts that I have and have had, all of them prior and still have overdraft decline, which means, that I have opted out of the bank paying any overdrafts for me, which is in account settings. Even though in the years I have had my accounts they have never even given the offer of {$2.00} towards an overdraft, they decided on XX/XX/year> to go over my head and paid XXXX to XXXX  XXXX I did not authorize any such payment as to why I have the overdraft protection on, they then refused me the opportunity to dispute the charges and closed this and another one of my accounts due to the same scenario for XXXX months later for another {$120.00} again refusing me the chance to dispute the charges. The charges were not authorized similar to this latest issue with my credit card where they actually finally admitted they overstepped and had charged me {$2000.00} plus dollars initially, but then recanted stating they were going to investigate their over step which is exact, y what happened with my checking account. Capitol one has also made it hard to dispute the final amount of that charge stating that I cant, but then decided that I could, there is alot of misinformation going on, the bank does what it wants with out consequences meanwhile the customer suffers with issues such as a lowered credit score do to their misdealings or the inability to bank with other banks. They have also refused to reissue my debit card and ability to dispute online. It took over 2 months for their system to allow me to change my number. This bank is unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-19 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
According to Law USC 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: CA

Complaint narrative:
I was told this was a dept consolidation group. That I would pay XXXX a month for 16 months. I have been paying for a year. That the money would sit in an account while they negotiated with cc company 's to get interest off and make sure everything was right. They promised me my debt would go from XXXX I owed would go down to XXXX then that would be paid from the account I was putting the XXXX out of. They told me what was in the contract Wich I signed but did not read assuming it said what she had explained to me. That must credit would be bad for the first year, but would get better by the time they were done. 
So I just got served by XXXX XXXX XXXX XXXX For breach of contract. I called Consumer Legal Group. Wonder why I was being served that they were suppose to take care of this. Now I'm being told that they are not a consumer debt consolidation. But and consultant attorney group. I've been paying XXXX for an attorney to tell me what to do. I'm XXXX I don't get a lot of money a month like XXXX or so. With prices the way they are an cost of living to say the least this has been a struggle. I wouldn't of done this I was told something way different. I was new to this the lady said I qualified for this that this company took care of everything. 
Well they don't and I've been paying them for a year for nothing and now being sued by one of the cc company 's. I can't tell you just how upset and stressed out this is making me. I feel lied to and they miss-repesented themselves to me. I feel lied to and taken advantage of. What can I do? I'm just beside myself. I can't believe I've been paying all this money to them for what. I still have to pay the credit card money back myself they don't pay it. And I'm being sued. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I, XXXX XXXX, Date of Birth : XX/XX/XXXX, am filing this complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at Care Credit on XX/XX/XXXX and rooms to go on XX/XX/XXXX, an account with XXXX XXXX opened XX/XX/XXXX, a collections account with XXXX XXXX XXXX opened XX/XX/XXXX for service at XXXX a collection account with XXXX XXXX XXXX opened XX/XX/XXXX for a XXXX XXXX account, and a collection account with XXXX XXXX XXXX opened XX/XX/XXXX for an account with XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identiy theft and fraud

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 2024-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Request copy of 1099C for charged off vehicle and copy of contact and payment. If this was charged off as it states on my credit report then I should have received a copy of the 1099C. And if it is written off why is it still on my credit as owed balance. I need the 10999C to inform the IRS and other legal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX called Capital one to tell them my husband had died I wanted to send them death certificate they would not take my call unless I made arrangements to pay them outstanding balance of {$15000.00}. I was under distress Spouse died XX/XX/XXXX He XXXX bullied me ( XXXX ) on XX/XX/XXXX He says Rude and bullying, First you have to tell me how much can you pay on this account!! I said, IF I could pay maybe {$200.00}. or {$250.00}. At this point of the conversation he changed from Joint to Individual status. Under grief I was just trying to resolve My husband 's accounts. He told me account was joint and that they do not accept any type of paper work from the consumer no death certificate or letter as I mention I told him no I hadn't knowledge of that He was the primary and they would never let me speak to them without his consent iF ACCOUNT WOULD OF BEEN JOINT I WOULD HAVE BEEN ABLE TO TALK TO THEM. When we called in a week before my husband died, he was trying to talk to them I was telling him what they were asking the gentleman on capital one side said very rudely if you are coaking him Im going to have to hang up. My husband was having issues talking he could not be understood so he motioned me to hang up. A week later he died. I am on a fixed income social security I can not pay the {$500.00} a month they are asking for. My husband opened this account in XXXX and ordered a card for me to use since he was handicap and could not get along without my assistance, so I used the card he obtained for me instead of his. Do I have to pay this account if so how can I freeze for a lower payment amount? we were married 47 years. Capital one will not let me go on line and deal with them on this account. They are asking me to create a new one. So how am I supposed to resolve it. I recently sent XXXX the death certificate they sent back dispute information telling me capital one dispute had been resolved and my balance now {$16000.00}. or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
TO Consumer Finance BANK OF AMERICA FEDERAL TRADE COMMISSION WISE BANK Subject : Fraudulent Activity, misrepresentation of authorized Distributorship license with XXXX XXXX and products misleading with XXXX copycats counterfeit I am writing to report fraudulent activity on my business account. I have attached documentation that outlines the following : We Attempted A Legitimate Purchase : We attempted to purchase items to be listed on our XXXX account through a legitimate vendor. 
the vendor requested XXXX XXXX XXXX the WISE app [ XXXX XXXX ] upon providing invoice we send A ach payment in XXXX amounts listed below Vendor Fraud : The vendor ; XXXX XXXX XXXX XXXX XXXX & Founder of XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX https : XXXX https : XXXX XXXX Scammers are using the same phone number as a local XXXX  location and attempting to scam knowingly and willingly used our funds to sale us, ship counterfeit XXXX  cards, which are illegal and prohibited on XXXX.and the USA False Accusation : As a result of the fraudulent products shipped by the vendor, XXXX has falsely accused us of selling counterfeit products cards. 
I am requesting an investigation into the following XXXX unauthorized charges : Amount : {$3900.00} SEND ON XXXX XXXX XXXX Type : Other Payment Description : XXXX XXXX XXXX : XXXX  ID : XXXX INVOICE 0 INDN : XXXX CO XXXX CCD Merchant Name : XXXX  MONEY TRANSFERS I kindly request that you investigate fraudulent activity. 
I have the necessary documentation to support my claim. 
Thank you for your prompt attention to this matter. 


Best Regards XXXX XXXX XXXX contact us XXXX Ph # XXXX fax # 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 2024-12-19 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-19 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX 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 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 2024-12-19 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation