vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
My account with 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 XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) 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 XXXXNever 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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I received the following email from AMEX : Dear XXXX XXXX : We'd like to remind you that your payment is due If you have already sent or scheduled your payment, thank you and please disregard this reminder. 

Please see the information below for the convenient ways you can pay. 

Account Ending XXXX XXXX XXXX {$450.00} I assume this is for a personal loan of {$8000.00} that I recently took out with them. However, I have been checking my online portal every week to see when this has been added, and it wasn't. Still isn't today. So I had no way of knowing when it was due. I figured they would add it soon. 

This morning I reached out about this and spoke with a chat agent, asked them to waive the late fees and add my account to my online portal and then I would make the regular payment. They refused, and said I had to pay the total due, which includes quite the late fee and interest. When I told him I would pay once the late fees were removed and the account was added to my online portal, he said my late payment would be reported to the credit agencies. 

I have a great credit rating and am 99 % on time with all credit card and loan payments, and always pay more than is due. In my opinion, this is fraud. And I want it corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently submitted a dispute to XXXX on XXXX XXXX about a debt collection account being inaccurately reported on my credit report. It has been more than 30 days since I filed this dispute and I have not received any proper information that's there has been a Theral investigation. My identity has been at risked because of this company inaccurate reporting and has been destroying my reputation. I have not given XXXX, Equifax or XXXX any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. 

I would like to request the collection be removed. These reports are impacting me negatively which makes it extremely hard to get a vehicle for me and my family. I would like to request proof of any written authorization each credit reporting company has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. XXXX has been giving more than enough time to conduct a proper investigation to validate the account and has failed. I demand that this account along the others should be removed immediately. 

1681i ( A.5 ) says that after the reinvestigations... all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. '' Pursuant To 18 USC 8, I Owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 [ XXXX XXXX XXXX XXXX ] Account Number : [ Account Number ] [ [ collection Debt owed : {$740.00} ] [ Original creditor : XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ collection Debt owed : {$510.00} ] [ Original Creditor XXXX ] [ XXXXXXXX XXXX  XXXX ] [ collection Debt owed : {$2400.00} ] [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently submitted a dispute to XXXX on XXXX XXXX about a debt collection account being inaccurately reported on my credit report. It has been more than 30 days since I filed this dispute and I have not received any proper information that's there has been a Theral investigation. My identity has been at risked because of this company inaccurate reporting and has been destroying my reputation. I have not given XXXX, XXXX or Experian any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. 

I would like to request the collection be removed. These reports are impacting me negatively which makes it extremely hard to get a vehicle for me and my family. I would like to request proof of any written authorization each credit reporting company has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. XXXX has been giving more than enough time to conduct a proper investigation to validate the account and has failed. I demand that this account along the others should be removed immediately. 

1681i ( A.5 ) says that after the reinvestigations... all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. '' Pursuant To 18 USC 8, I Owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 [ XXXX XXXX XXXX XXXX ] Account Number : [ Account Number ] [ [ collection Debt owed : {$740.00} ] [ Original creditor : XXXX XXXXXXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ collection Debt owed : {$510.00} ] [ Original Creditor XXXX ] [ XXXX XXXX  XXXX ] [ collection Debt owed : {$2400.00} ] [ 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 2024-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consumer Portfolio Services, Inc.
State: ND

Complaint narrative:
The original debt was for XXXX XXXX XXXX with Consumer Portfolio Services, in XXXX due to failure by CPS to honor statements by their representatives this vehicle was voluntarily surrendered in XXXX however payments were made through XXXX and the vehicle was not picked up until XXXX. The last communication from this company was a Volubtay Surrender form sent via email in XXXX XXXX  XXXX. Through my own tracking this vehicle was auctioned by CPS. 
Although we have moved twice since that time no contact was made despite mail forwarding and official change of address with the post office. 
This debt shows closed with a XXXX balance on our credit, however at the end of XXXX this year I was served with judgement papers from XXXX XXXX XXXX for the amount of {$8900.00}. 
I have never been contacted, and when I attempted to file a response I couldn't because they hadn't actually filed the papers, now as of XX/XX/XXXX, they filed the default of judgement. I was given no opportunity to file my response with the court, XXXX XXXX in XXXX XXXX North Dakota awarded it to them again with no time for me to file a response or knowledge that it had been filed. 
A response can't be filed officially until the case is filed and with no notice of it being filed and a judge that just pushes it through how can I fight a garnishment that is in fact not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-06-25 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 ) 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 XXXXNever 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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had this account over 10 years. Never charged a late fee. They charged me a late fee, refuse to credit and can not explain the factors that would allow them to credit nor why they refuse to credit my late fee of {$29.00}. Had the nerve to offer my payment options as if the account is not getting paid vs simply crediting the late fee for a good customer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I viewed my credit report and found the new information that was placed back on my report. Called XXXX  and was told Commenity bank was reporting the name that is on my report as XXXX XXXX with the address of XXXX XXXX XXXX and it couldn't be removed even though it was removed before. I have XXXX nam and XXXX address and that is XXXX XXXX at XXXX XXXX XXXX. They should know this because i have an account with them with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: DC

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 XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2024-06-25 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: DC

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.

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 2024-06-25 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.

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