vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit score is important to me that's why I am regularly checking my credit report, now there's been a recurring issue in it that I have been trying to fix yet I have been consistently ignored, there are erroneous information being reported on my report that is negatively affecting my life and my credit score, so bad that my new credit applications are not getting approved and I need it so much right now.

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 2024-07-30 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: GA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: NY

Complaint narrative:
To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX XXXX Creditor : XXXX Balance : {$700.00} XXXX sent a debt validation letter to XXXX on XX/XX/year> via certified mail ( XXXX ). In this letter, I requested proof of the debt they claim I owe. As of today, XX/XX/year>, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since XXXX has failed to do so, I am requesting that this item be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Roadrunner Account Services, LLC
State: PA

Complaint narrative:
I am writing to follow up on my previous complaint regarding the unlawful repossession of my vehicle and the improper handling of my account by XXXX XXXX. I have received your response dated XX/XX/XXXX, which included an assertion that the Notice of Intent to Sell was sent via certified mail on XX/XX/XXXX, but the tracking information is no longer available due to XXXX retention policies. 

Key Points of Contention Lack of Official XXXX Certified Mail Stamp : The provided XXXX Certified Mail tracking slip lacks an official XXXX stamp. An official XXXX certified mail receipt must bear a postal stamp to validate that it was processed through the XXXX system. The absence of this stamp suggests that the letter was not sent via the proper certified mail procedure. 

Inconsistencies with XXXX Retention Policies : While it is true that XXXX retains tracking data for certified letters for XXXX years, the absence of an official stamp on the certified mail slip itself raises concerns about the authenticity of the mailing process. The lack of proper documentation indicates potential mail fraud. 

Violations and Legal Implications By failing to provide proper documentation and evidence that the Notice of Intent to Sell was sent via certified mail, Roadrunner Financial has potentially committed mail fraud. According to federal law : Mail Fraud ( 18 U.S.C. 1341 ) : Mail fraud occurs when there is a scheme to defraud or obtain money or property by means of false or fraudulent pretenses, representations, or promises, and the scheme involves the use of the postal system. 
Given the lack of an official XXXX stamp and the inability to track the certified mail, I am led to believe that the notice was never sent, or was sent improperly, thus violating the aforementioned statute. 

Demand for Resolution I demand the immediate waiver of any remaining deficiency balance and the deletion of this tradeline from all my credit reports. If Roadrunner Financial fails to comply with this request, I will proceed with the following actions : Filing a report with the XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) for potential mail fraud. 

Initiating legal action to seek all available remedies, including but not limited to {$30000.00} in damages for the unlawful repossession and the mishandling of my account. 
This is my final attempt to resolve this matter amicably. Please address this issue urgently to avoid further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED.

This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account!

Your company may be liable under the FCRA,
violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXXXXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, 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 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I get calls from this company every day sometimes multiple times a day after already asking to be removed from the call list. I have not received any other form of communication from these people. I also received Covid assistance and it was not applied to my rent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
The company placed this account on my credit report. The company involved was paid by me. Granted it was AFTER they turned it over, but none-the-less, they were paid. I still have the same services with them with the same phone and internet number. I would not have been able to continue with them if I owed this debt. My credit report shows a 100 % perfect payment record with ALL of my creditors. Why would I not pay XXXX and allow it to go on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo made 2 unauthorized bill pays on XX/XX/XXXX ( {$3100.00}. ) and XX/XX/XXXX ( {$700.00} ) and said those were made by me. I did not. I reported to XXXX XXXXXXXX, NJ branch on XX/XX/year>. 
Enclosed please find documents including local police report. 
I am XXXX XXXXXXXX speaker. I do not know what I should do. I want my money back to pay property tax. It was 2 social security payments I kept for property tax.

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 2024-07-30 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed accounts that are not reporting accurately. I see some of my accounts that are showing random late payments when in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy.

I am concerned as i was not provided with the statements 21 days before the specified date as required under 15 U.S.C 1666b.

These late payments are reporting in Violation of the Fair Credit Reporting Act and must be deleted. 

-Accounts and Dates : 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 non-monetary relief
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed accounts that are not reporting accurately. I see some of my accounts that are showing random late payments when in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy.

I am concerned as i was not provided with the statements 21 days before the specified date as required under 15 U.S.C 1666b.

These late payments are reporting in Violation of the Fair Credit Reporting Act and must be deleted. 

-Accounts and Dates 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from experience XXXX XXXX and XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
My account with XXXX XXXX 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 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. XXXX XXXX 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 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date : XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2024-07-30 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:
Date : XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2024-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
On XX/XX/year> I received a call from XXXX XXXX XXXX, XXXX about account number XXXX which is a debt account from ChryslerRetail in which was already Paid and taken off of my credit report on XX/XX/year>. By my knowledge and understanding according to code 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( j ), ( m ). I understand that my consumer rights were violated due to the debt collecting agency having my personal information without my consent or hard copy signature written by I, personally. I dont want this company calling harassing me, emailing me, or sending me letters by mail. Any further attempts to contact me Id like to sue. By my personal information being sold illegally Id like to have this debt cleared or go to court to sue for XXXX XXXX a violation on this issue and further issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I used my Paypal account to send money to an individual who I thought was a friend for the purchase of a car. This transaction was linked to my checking account and right after I sent the money I realized it was a scam. ( The person hacked a friend 's facebook account including messenger to portray that she was selling a car ). I immediately called Paypal and my bank to report the scam and block the transaction. My bank was able to block the transaction however Paypal advanced the money to the scammer and is now claiming that I owe them the money ( {$1000.00} ). They are basing this on the fact that I utilized 'friends and family ' option which does not provide protection for fraud. However, I had immediately notified Paypal and on follow up conversations was told by a supervisor not to worry, that they would work it out with my bank. Furthermore, after Paypal could not gather the funds from my checking account, they attempted to use a debit card in the digital wallet from another account that I hold in conjunction with another individual without first asking or notifying me that this was the procedure. After numerous follow up calls I was told that there was nothing that could be done. The email address used by this scammer reflects the name of my friend, however the name that was used for the transaction was not consistent with this name, nor was the email address that was used by the party for their paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I had an XXXX credit card through Goldman Sachs. After many years I was able to pay off the credit card. When I paid off card I call and closed the account as trying to reduce debt. No information about tricking interest is provided upon payoff or closure of the account. XXXX was closed XX/XX/year>. Next statement cycled shows trickling interest from XXXX. This should have been charged upon payoff OR at minimum customer made aware of this hidden interest that only applies when you pay off your credit card after months of carrying a balance. 

I called the credit card company and they denied waiving the {$97.00} interest that was not applied properly. Ive been told these are recent policy changes for many credit cards companies. To me it is greed and not fair to consumers. If they want interest paid they should apply each statement and if paid off should calculate additional interest at that time. 

I know for a fact the company made thousands of interest just from over the years I had the card and didnt pay in full. Asking for customer courtesy credit for {$97.00} shouldnt be so hard. They denied my credit and applied {$25.00} ; couldnt even do half for the inconvenience. 

Consumers beware. I would not recommend getting an XXXX credit card with Goldman Sachs. I will never again or ever recommend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-30 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation