vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: EQUIFAX, INC.
State: AZ

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 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 that are reported 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: VA

Complaint narrative:
There are some incorrect information

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 2024-07-03 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: PR

Complaint narrative:
This account was charge off on the following date XX/XX/2021 since then the account was repeatedly been updated as charge off every month. This is an update in the payment history. A Charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. XXXX failed to investigate the account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

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 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/24 I was alerted of a new internet option. I called XXXX XXXX XXXX XXXX spoke to a customer service worker who assisted me with the upgrade. I have been a long time customer. I have at times had to return the old equipment & other times I did not. I asked the worker on the phone " do I need to keep or return the old equipment? '' I was told NO. I received the new equipment within 4 days. I set everything up & disposed of my old equipment. I got an email XX/XX/24 saying I needed to return my old equipment. XXXX XXXX XXXX told me I did NOT need to return it & now I am being punisher. They are stealing my money. I was charged {$130.00} for something that was NOT my fault. I have spent hours on the phone with XXXX XXXX XXXX as well as Capital One for a resolution but have been denied any refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
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 name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX  # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX/DOFED # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX  # XXXX, Account name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-03 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:
I had paid this account in full once I realized the original creditor was mine. I need this now removed off of my credit report please in a timely manner as company agreed to remove the collection account upon me paying off the debt completely. Im in process of trying to buy a home and need this removed. Thank you

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 2024-07-03 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: GA

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

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 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 2024-07-03 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: CA

Complaint narrative:
I found errors on my credit report showing unpaid loans, leading to my car loan application being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  keeps selling out this debt that was paid, its for XXXX for a water bill that was at a home on XXXXXXXX XXXX XXXX XXXXXXXX XXXX that I never lived at, they held my state income tax and my rebate check for the debt and it's paid and they still have this on my credit report as owing and I do not owe this debt. They need to remove this immediately off my credit reports and stop trying to collect a debt that has been long paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NV

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 2024-07-03 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:
I have 2 accounts on my credit report under collections that I recently paid in full with the agreement from the creditors to remove the account. My credit report with XXXX was updated immediately to reflect the positive changes with these paid accounts. Transunion has still not updated the change and this is always an issue with transition. The other credit bureaus update my information almost immediately every time and I never have hardly any issues with them updating my information in a timely manner but Transunion I usually have to reach out to in order to get them to update my accounts. This is a big inconvenience when trying to clear up credit issue when other agencies are reporting it timely and Im needing to show these accounts have been taken care of for a bank loan. I dont know why Transunion is always the last one to get around to updating changes. The other credit bureaus do not drag their feet so its frustrating.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express baited and switched me on a welcome offer for opening up a business checking account. 

I am am American Express ( Amex ) credit card holder, holding many personal and business credit cards, and have been a customer with Amex for over XXXX years. 

In XX/XX/year>, when I was logged into my Amex credit card account, there was a targetted offer ( attached ) that said if I applied for a business checking account and met deposit/transaction requirements, I would receive XXXX Amex reward points ( worth ~ {$1400.00} based on Internet valuation ). See proof XXXX file. 

I applied through the link, got approved for an account and made the requisite deposits/transactions. See proof XXXX file. 

However, when I noticed shortly after that the Amex business checking website indicated I had welcome offer of only XXXX, with lower requirements ( so less than half of what was promised ). See proof XXXX. 

I reached out to Amex multiple times to try to resolve it, and they claimed that I was never eligible for the XXXX bonus, despite my sending them the screenshot, and indicate there is nothing they can do. 

Given I have documented the welcome offer, their unwillingness to rectify or even address whatever glitched caused the issue, is very concerning. They indicated a complaint was submitted on my behalf for what is at worst bait and switch and at best a system glitch on their part, and they said there would be no follow-up to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: Comerica
State: MA

Complaint narrative:
In XX/XX/year>, {$68.00} in total was taken from my account and I filed a dispute. DirectExpress sent me {$68.00}, however, in XX/XX/year> they took the {$68.00} back and did not notify me that the dispute had been denied nor why it had been denied. I had provided proof to support my dispute. I have not received any communication from DirectExpress regarding my dispute and why it had been denied. I have experienced them being very uncooperative in regards to attempting to resolve my dispute, and they have been rude over the phone. I have recently had to re-order a new card for the third time in this year alone due to the unauthorized transactions taking place without my consent nor prior knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: IN

Complaint narrative:
Repeated disputes and spoken with a XXXX XXXX. I followed her instructions and did not recover any cashed insurance checks that this debt is for. I simply ask that either XXXX XXXX XXXX Southwest Recovery Services provide copies of cashed checks or remove account. XXXX XXXX XXXX XXXX has no records of issued/cashed checks. Furthermore this company is stating this is for service on XX/XX/XXXX but continues to resubmit to credit agencies new assigned collection dates to trick the system and process. The new date is XX/XX/XXXX, when this account appeared on my file prior to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I am unable to withdraw, send, make purchases with or use my debit card against my Venmo balance. The company literally has told me that there are no issues with my account, it's just the system will not allow it right now, and I should try later. That's unacceptable. It's my money. They are not allowing me to access it and can't give me a reason why I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: KY

Complaint narrative:
Recieved notice of failure to pay county property tax. Provided notice to XXXX XXXX via phone in XXXX and was told that it would be handled. Escrow shows a payment made for incorrect amount ( less penalties ) Recieved another notice in XXXX and again called XXXX  and was told XX/XX/XXXX it would be handled. Recieved another notice from the county on XX/XX/XXXX. Again called XXXX. Recieved notice via email that taxes were paid on XX/XX/XXXX again for incorrect amount. Called the county clerk XX/XX/XXXX and no payments have been made. Payment is now in excess of {$3500.00}.

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 2024-07-03 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-07-03 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: AZ

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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