vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had Bank of America credit cards for over 10 years. This past year there was an issue with the website where I could not update the account saved to make payments with, and the linked account had been closed. I therefore had to make payments by phone until I was able to take the time to call and work with a representative. When I did the agent walked me through how to enter and save a new card ( which was NOT obvious ) and then how to add autopay, which I had used with them previously. She could not do it on her end but had to walk me through by phone. Two months later I received a letter that my account was past due, which came as a surprise since I thought that I had autopay set up. I called to rectify the situation but it was already reported to a credit bureau. One of the customer service managers that I spoke to, XXXX XXXX, attempted to manipulate the conversation, accusing me to have stated that I was aware that my account was past due, which was never said. He then insisted that nothing could be done and that I am at fault. 

It is predatory for a company to have the method of payment on a credit card not easily able to be updated online, and to then to have agents not to be able to do any of the backend themselves, where they instead need to walk you through the procedure by phone. I am tech savvy and able to advocate for myself, and I am still at a great loss, so I am concerned that these circumstances would be even more predatory for others less able to navigate websites or speak up for themselves.

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 monetary relief
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A fraudulent charge of {$500.00} was placed using my Capital One credit card information on XX/XX/year> at an XXXX in Delaware, a state other than my residence state. 

When alerted of this charge by Capital One, I immediately reported that I did not recognize this transaction and reported it as fraud. 

However, Capital One allowed this charge to go through and is now holding me liable. 

XXXX was contacted, whom advised prior to my card being utilized, the fraudulent individual attempted to utilize two other credit cards not belonging to myself that were declined. XXXX advised that they could obtain video footage from that day, however the individual needed to do so was currently out of the office. Capital One was not interested in this information and has it failed to do their due diligence to investigate this fraud and resolve this matter. 

To be clear the complaint at this time is with Capital One, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I booked a trip to XXXX, XXXX on XX/XX/2024 through the American Express XXXX site. At the time of my booking, I was shown my American Express Gold Personal Card in the upper right corner and I was served an offer advising of earning " 3X - Get 3X Points ''.

When my statement closed, I noticed I only got 2X the points and I called to inquire only to be told that it could take another billing cycle to populate. I reached back out to American Express again this past weekend on XX/XX/2024 and was told that I did not qualify because I did not use the " correct card '' ( my other American Express Gold BUSINESS Card ). As I advised that the offer posted is deceptive and misleading, I wanted a resolution and to be made whole for this inconvenience and grievance. However, I was dismissed and I reached out to American Express Executive Office to express my dissatisfaction and to advise them that I was going to escalate this concern as I believe it impacts a great number of Americans that may have unintentionally been in a similar situation as myself and misled!

I am asking to be made whole and for restitution for my inconvenience and emotion hardship when having to speak to multiple representatives to plead my case and to be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank
State: GA

Complaint narrative:
Sent following statement ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXXXXXX  postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc.
State: OH

Complaint narrative:
NOTICE TO DELETE FROM CONSUMER REPORTING AGENCIES NOTICE TO CEASE AND DESIST INTENT TO SUE AND WILL SUE LOVE SUING PLAINTIFF : XXXX XXXX XXXX XX/XX/year> DEFENDANT REPEATED OFFENDER : XXXX XXXXXXXX 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 I NEVER GAVE CONSENT TO USE THIS NAME IN COMMERCE XXXX XXXX XXXX STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.

ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. Sincerely, .XXXX XXXX XXXX  XXXX Living Woman, Beneficiary of acct # XXXX XXXX XXXX not the trustee UCC1-308 WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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 disputing several inaccuracies and questionable entries on my credit report and requesting corrective action under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Here 's what happened : Incorrect Personal Information Two addresses listed on my credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXare incorrect. I am requesting their immediate deletion as they are not associated with me. 

Incorrect Reporting of Late Payments Several accounts are inaccurately reported with late payments, which violates the accurate reporting requirements of 15 U.S. Code 1681e ( b ). Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am citing 15 U.S. Code 1681a ( 2 ) ( i ), which covers exclusions on transactions, and requesting these accounts be updated to reflect paid as agreed, never late. 
Debt Validation Issues For the XXXX account ( XXXX ), I am invoking 15 U.S. Code 1692g, which requires debt collectors to validate debts. I am requesting : Verification of the debt, including the original application or contract bearing my signature.

Evidence of the debt collectors authority to collect on this alleged debt.

Without this information, the account must be deleted immediately.

Unauthorized Credit Report Access I identified two instances of potentially unauthorized access to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) I am citing 15 U.S. Code 1681b ( a ) ( 2 ), which requires permissible purposes for accessing consumer reports. If no legitimate purpose can be demonstrated, I am requesting these inquiries or accounts be removed.

Legal and Financial Repercussions for Noncompliance I am reminding the credit reporting agency of their obligation under Section 611 ( a ) ( 1 ) ( A ) of the FCRA to investigate disputes within 30 days. I do not consent to automated verification methods such as e-Oscar. If these disputes are not resolved satisfactorily within the prescribed timeframe, I will pursue legal action for : Defamation Negligent Enablement of Identity Fraud Violations of the FCRA I am prepared to seek {$1000.00} per violation for noncompliance.

Summary of the Situation This letter outlines significant errors and unauthorized actions regarding my credit report. I am exercising my legal rights to dispute these inaccuracies and ensure compliance with federal laws governing credit reporting and debt collection. I expect a thorough and timely investigation, along with appropriate corrective actions, to resolve these issues.

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 2024-11-28 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION 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! 


Update 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 non-monetary relief
Consumer complaint received 2024-11-28 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 EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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! 


Update 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 2024-11-28 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: LA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: NH

Complaint narrative:
I am filing this complaint against Kikoff , Inc. for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of late payments on my XXXX and XXXX credit reports. Despite multiple disputes and requests for investigation, Kikoff has not provided a thorough or transparent response as required under 611 of the FCRA.

Details of the Complaint : Failure to Provide Verification Details : Kikoff failed to disclose the specific sources or methods used to verify the disputed late payments, as required by the FCRA. 
I requested information about any third-party entities contacted and evidence supporting the late payment claims, but Kikoff has yet to provide this. 
Inaccurate Credit Reporting : XXXX is reporting one of my accounts ( Account Number : XXXX ) as " 90 days late '' while simultaneously showing positive/current payment history, which is contradictory. 
XXXX is reporting the same account as " 60 days late, '' which is also inaccurate. 
These discrepancies indicate that Kikoff has failed to ensure accurate reporting as required by the FCRA.

Failure to Resolve Dispute or Address Settlement Proposal : I sent a detailed dispute letter to Kikoff on XX/XX/XXXX, requesting verification of the information or deletion of the inaccurate entries. 
Kikoffs response acknowledged discrepancies but failed to take corrective action or substantiate its reporting.

My settlement proposal, which included terms to resolve this matter without arbitration, was ignored. 
Lack of Transparency in Investigations : Kikoff claims that my payment history from XX/XX/XXXX to XX/XX/XXXX justifies the late payment reporting. However, the evidence they provided does not substantiate the inconsistent reporting across credit bureaus. 
Harm Caused : These inaccuracies have negatively impacted my credit score and led to potential denials of credit opportunities. Kikoffs lack of transparency and failure to comply with the FCRA has caused significant stress and inconvenience.

Company response to consumer: Closed with explanation