vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX IL XXXX Account was closed in XX/XX/XXXX, after numerous calls, funds were to be sent by check to my residence. 
Check of {$730.00} was sent via mail last year, never received. 
XXXX cancelled the check after several calls and resent a new check. No check received. 
They cancelled this check and said another check would be sent. Never received. 

On XXXX, I called them again, to see what was going on. 
They claimed that another check was sent on XX/XX/XXXX. 
Again check never received, at my current address. 
Now they are cancelling that check as they did in XXXX. 
My account is closed and they wont let me access it. 
After these XXXX attempts for a check to be sent, I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
I made a settlement payment on Wednesday, XX/XX/year> in the amount of {$6500.00} from my XXXX account to Malen & Associates who was representing XXXX XXXXXXXX in a debt collection case against me. Their online system does not give me any confirmation that the account is now taken care of, and I haven't received any of the settlement confirmation notices I was told would be sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account with CAP ONE AUTO was never late! I have had exceptional payment history with CAP ONE AUTO 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 XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX 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. 


CAP ONE AUTO Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I went to bar in Arkansas and my American Express card was charged XXXX dollars when I did not authorize these charges. My wallet was taken, and all my cards were used for a lot of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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

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

Company 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing to formally dispute the collection account that appears on my credit report. The account details are as follows : XXXX XXXX XXXX XXXX : {$1000.00}. 
I have reviewed my credit report and found that this account is inaccurate and is negatively impacting my credit score. I have no knowledge of this debt, and I have not received any validation of this debt from the creditor. 
I have previously disputed this account with the credit reporting agencies, but it has not been removed from my credit report. Despite my efforts, the inaccurate information continues to adversely affect my ability to obtain credit and fair interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing to formally dispute the collection account that appears on my credit report. The account details are as follows : XXXX XXXX XXXX XXXX : {$1000.00}. 
I have reviewed my credit report and found that this account is inaccurate and is negatively impacting my credit score. I have no knowledge of this debt, and I have not received any validation of this debt from the creditor. 
I have previously disputed this account with the credit reporting agencies, but it has not been removed from my credit report. Despite my efforts, the inaccurate information continues to adversely affect my ability to obtain credit and fair interest rates.

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 2024-06-21 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: Credit Karma, LLC
State: NY

Complaint narrative:
I have a Credit Karma Checking account with a Debit Card and it is backed by XXXX XXXX 
2 Months ago I had XXXX debit card transactions that were fraud. They charged XXXX dollars - XXXX times in XXXX day and after 10 business days they gave me money back. That was the first time fraud happened. That was resolved and they changed my password and my account numbers. 
On XX/XX/XXXX, at XXXX pm, I received an email from Credit Karma that my ACH transfer is approved. I urgently called in XXXX min later and spoke to an agent. The fraud was XXXX dollars. Every last cent in my account. They moved this money to an account for XXXX XXXX XXXX which was not added by me and not authorized. They loaded another bank account on file and wiped my account out with XXXX in fraud. The transaction was " Pending '' so I called in at night and spoke to customer service and they told me nothing could be done because it was after business hours and the fraud team is not working. I called back the next morning at XXXX XXXX  like they said and spoke to XXXX different departments each telling me they couldn't help me and had to transfer me. I spoke to XXXX team member at Credit Karma and they emailed me a form to sign and date and aknowledge the fraud. I signed that on XX/XX/XXXX and emailed it in that morning. Since then, with a case number and email chain I have emailed them 8 times to get information on what the process is to get my money back and how long it will take. I also called in daily to get an update and nobody is able to give me any information telling me that my case is being handled by a special department but they can not connect me as they dont take phone calls and that I should wait for emails. It has now been 11 days since the fraud happened and to date, not one written or verbal interaction with anyone who can help tell me what is happeneing on my account. They continue to tell me to check my app for dispute status but the transaction on the app is not even showing as disputed. It shows as a normal transaction and under " open disputes '' it shows I have no open disputes. 
I have tried repeatedly to engage to get updates and ask about the fraud process but have been left with no answers and no support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-21 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I applied for a deposit account with XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. After reviewing my Chex Systems report, I noticed that 2 inquires were done by XXXX XXXX XXXX XXXX. One on XX/XX/year> and one on XX/XX/year>. There should only be one on my report. I've contacted XXXX XXXX XXXX XXXX to remove the unauthorized inquiry but it has yet to be removed

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 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
The company offered me a 30 % discount and payment options. They confirmed they received my letter and the and state they have reviewed and verified the information listed on the account. 
On re aged debt and debt I attempted to pay with the creditor myself and they did not want my payment. After they re aged debt from XXXX tacked it onto my new account and closed my account and didnt want accept payments from me anymore and added the wrong amount I owed. Im still not sure why the account was closed but the debt owed is incorrect and this is insane im just trying to access my portion of credit and if something being removed thats positive or something thats incorrect is being added like this is a crime to make me look so unworthy Account info Account name Account number Original creditor Company sold Account type Date opened Status Status updated $ Payment history 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Showing on all of my credit reports my name is being spelled with all caps and I'm not a business entity.My name should not be spelled with all caps only a business entity is spelled like that.So whatever account that I'm stating below should be removed immediately off my credit report because the lender made this error and it's against the consumer right laws XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Showing on all of my credit reports my name is being spelled with all caps and I'm not a business entity.My name should not be spelled with all caps only a business entity is spelled like that.So whatever account that I'm stating below should be removed immediately off my credit report because the lender made this error and it's against the consumer right laws XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 that the information is inaccurate.

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 2024-06-21 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 account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX 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 XXXXXXXX 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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-06-21 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: DISCOVER BANK
State: FL

Complaint narrative:
I initially applied for the discover card when I was doing well and finally decided to take advantage of the high credit limit {$9000.00} with XXXX interest for XXXX months even though at the time I didnt necessarily need it for anything this was roughly XXXX after a few months I left my secure job for a primarily commission paid job and after XXXX weeks I was so stressed from not making money to pay my bills I quit under duress after going to the ER with XXXX XXXX thinking I was having a XXXX XXXX. That being said I could not collect unemployment and had to pay my own health insurance and other payments which were very high and even had to take cash advances to pay my rent etc. I tried paying for quite a while at least the minimum payment until the XXXX interest ran out then the payments were in excess of {$200.00} and every time I missed XXXX it got higher way out of control to where it is now {$1100.00} minimum payment due I called XXXX or 3 times begging them to work with me within my means and there was absolutely XXXX options so I stopped trying months ago and told them they need to dissolve the debt as I will no longer pay them any money due to them not making it possible for me to catch up. At this point I cant even log in to my account and have no idea what it even looks like anymore meanwhile I have them blowing up my phone every day starting at XXXX XXXX then every hour or XXXX all day every day and I can no longer deal with the stress and do not feel I should have to change my phone number to make it stop. I currently work as a gig worker and am also months behind on car payment rent and even phone I make barely XXXX a year my car is {$420.00} a month my rent is {$1200.00} and insurance phone etc about another {$500.00} a month. I wish to dissolve this contract and debt and have it not affect my credit for the next 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief