vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COPMPANY. YOU HAVE SEVERL ACCOUNTS REPORTIGN LATE PAYMENTS IN THE PAYMENT HISTORY. I WAS NEVER LATE ON ANY OF THESE ACCOUNTS PLEASE UPDATE EACH LATE PAYMENT TO " PAID ON TIME, NEVER LATE '' FOR EACH OF THESE ACCOUNTS. ( XXXXXXXX XXXX XXXX XXXX  ) ( XXXX ) ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COPMPANY. YOU HAVE SEVERL ACCOUNTS REPORTIGN LATE PAYMENTS IN THE PAYMENT HISTORY. I WAS NEVER LATE ON ANY OF THESE ACCOUNTS PLEASE UPDATE EACH LATE PAYMENT TO " PAID ON TIME, NEVER LATE '' FOR EACH OF THESE ACCOUNTS. ( XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
STATE OF OHIO LOADS MY UNEMPLOYMENT BENEFITS ONTO A U. S. BANK RELIACARD, WEEKLY. OHIO STATEMENT SHOWS {$16000.00} BEING DEPOSITED. U.S. BANK ONLY SHOWS {$15000.00}. A DEFICIT OF {$1100.00}. OHIO STATEMENT SAYS THE MONIES HAVE BEEN SENT. U.S BANK DISAGREES. NEITHER PARTY IS OF ANY HELP!

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to 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 2024-11-20 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: DISCOVER BANK
State: NC

Complaint narrative:
I've submitted a dispute regarding a reporting inaccuracy involving my account with Discover Bank, as reported through XXXX. Discover Bank acted negligently by failing to close my account after I explicitly requested its closure. As a result, unauthorized charges began to accrue on the account. Upon becoming aware of this issue, I promptly paid the outstanding balance to settle the account ; however, the late payments and charges reported remain inaccurate due to Discover Bank 's failure to act on my initial closure request. 

I believe Discover Bank should have a recorded phone call documenting my request to close the account prior to the accumulation of these charges. Despite multiple requests, Discover Bank has failed to provide any evidence, documentation, or proof of a thorough investigation to validate the accuracy of their reporting. Additionally, these requests have been disregarded both by Discover Bank and by XXXX. 

Given these circumstances, I am formally requesting that the inaccurate information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I've attached documents that were provided during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 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.

EXPERIAN 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

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


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 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.

EXPERIAN 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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern, I submit this formal complaint regarding Webster Banks conduct in relation to financial losses I sustained due to a fraud operation. I reported this matter to Webster Bank on XX/XX/XXXX and XX/XX/XXXX of this year. Unfortunately, I have not received any acknowledgement or response regarding this matter. On XX/XX/XXXX, I wrote to the bank 's director, XXXX XXXX, but that letter was also disregarded without any communication. I kindly request your assistance in ensuring that my complaint is reviewed fairly and reasonably, as I believe this issue requires proper attention and resolution. 

Please see the attached PDF file for all details and evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: DE

Complaint narrative:
I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXX XXXX Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the Dodd-Frank Act, 12 U.S.C. 5531.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a denial fraud letter from Bank of America. It said on XXXXXXXX a total of {$4800.00} will be taken off since it said I made those authorizations and it wasnt true. 
{$1400.00} on XXXX XXXXnot me XXXX XXXX XXXXXXXX XXXXnot me {$1900.00} XXXX XXXXnot me I would like to fight this claim Claim XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, particularly focusing on inaccurate and unauthorized reporting on my credit file. Ive outlined specific instances where various creditors and debt collectors have failed to follow the provisions of the FCRA, including improper reporting of late payments, failure to validate debts, and unauthorized inquiries into my credit report. 

Here is a summary of what happened : Willful Noncompliance : Credit information was accepted about me without verifying its accuracy, which is a violation of FCRA Section 616. This can result in civil penalties of up to {$1000.00} per violation. 

Failure to Disclose Opt-Out Rights : Under FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed about my right to opt out of sharing my personal information, which is a deceptive omission and a violation of my consumer rights. 

Furnishing Deceptive Forms : Some creditors inaccurately reported accounts and inquiries without proper validation, which violates Section 623 ( a ) ( 3 ) of the FCRA, and could also breach Generally Accepted Accounting Principles ( GAAP ). 

Debt Collection Violations : Debt collectors reported inaccurate debts and attempted to collect on debts without my consent, which violates both the Debt Collection Practices Act and regulations on acquiring location information about me. 

Inaccurate Reporting of Payments : Several accounts were listed as having late payments when, in fact, those payments were made on time. Under FCRA Section 1681, creditors are required to report accurate information, and the inaccurate reporting of these payments is a violation of my rights. 

Failure to Validate Debts : Several debt collectors have not provided valid proof of the debts they claim I owe, which is required under FCRA Section 1692g. I requested that they validate these debts with proper documentation or delete the items from my credit report. 

Identity Theft and Unauthorized Inquiries : My identity was misused in some instances, and unauthorized credit inquiries were made into my credit file. I requested the immediate removal of these unauthorized entries under FCRA Section 1681b ( a ) ( 2 ) and Section 1681a ( 3 ). 

In my letter, I also demanded that these errors be corrected promptly, including updates to late payment histories and the removal of inaccurate debt collection accounts. I made it clear that failure to resolve these violations would lead me to pursue legal action, including seeking civil penalties for noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief