vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
My accounts 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 to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2014, I called Capital One to redeem my rewards points. The agent was quite pushy in offering to send me a check. I asked if this would be safe since it was a large amount and she said yes. She told me the check would arrive in 2-3 weeks. 

I called Capital One on XXXX XXXX since it had been 3 weeks and I had not received my check. The agent advised I could wait a few more days since it was a heavy mail season with the end of year holidays. 

I called Capital one on XXXX XXXX to request my check been reissued since I still had not received it and I was told by the Capital One agent that they would not write a new check because my check had been cashed on XX/XX/XXXX. This is Fraud. I never received or cashed my check. 

I requested the agent to email me a copy of the cashed check immediately so I could file a police report and the agent told me it was not possible and that Capital One would send me a copy in the mail in 2-3 weeks. 

I requested to receive an email with a case number for Capital one to open a Fraud investigation and I was told they do not have an email template to send me an email, therefore offering me no proof Capital one is going to investigate. 

I requested to speak to a supervisor and I was given the same answers. I called a second time and was given the same dance and song. 

My reward check is worth over {$9900.00}. Capital One did not even mail it with a tracking to prevent it being lost or intercepted by a thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: LA

Complaint narrative:
The credit report reported is inaccurate because I sold my vehicle to a dealership on XX/XX/year>, which was dated before my next car payment was due. The dealership, XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, took full responsibility for paying off the car completely the moment I signed over the vehicle. If you look at my account, you can see that a complete payoff of {$35000.00} was made on the car I was financing from XXXX XXXX. It saddens me that my credit score I worked so hard to build up into the 700s was dropped by more than 50 points because of a negative delinquent account that was wrongfully reported. On record, it is shown that I contacted XXXX XXXX XXXX, and on two separate occasions, I made them aware that I sold the car, and it was noted on my account that a full payoff was going to be made by the dealership. It was noted on my account, and yet I still got panelized. After being given multiple apologies, I was advised to write a letter and dispute the report. I wrote the letter to XXXX XXXX and got no response and I was also denied understanding by TransUnion. I am a XXXX-year-old XXXX woman ; I have struggled but yet managed to make all of my car payments on time to protect my credit score and I am begging for some understanding in this situation. I have attached proof from the dealership that I sold the vehicle prior to my car note being due for reference. I need someone to please look into this situation properly, I have all documentations to support my claim and I can provide them. 

I request that the above-referenced report be corrected so as to remove the past-due delinquent account on my credit report, and to further reflect that the debt of the vehicle was paid off in full.

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 2025-01-08 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
I had applied for a payday loan of XXXX back a while ago. I have been on top of payments XXXX times to be exact of an amount of XXXX that's upwards of XXXX $ already paid. It seems unfair that they mention that the loan agreement is a very extensive one and anyone can fall for their malevolent practices. I'm struggling to pay the remainder of the loan and feel like these practices should be banned or considered illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I called to make a payment for my AMEX XXXX XXXX XXXX XXXX. Their outsourced call support is forwarding customers to solicitation lines. I tried multiple times to get through a form of management with no success. I am reporting this problem because I had to give sensitive information to verify my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IN

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete or 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 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.

15 U.S.C. 1681B ( 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 2025-01-08 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: TX

Complaint narrative:
My accounts 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 to be removed/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. 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!

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Each year, I receive my Costco rewards certificate via email. For year XXXX, issued in XX/XX/XXXX, I have no email record of this certificate. The certificate expired XX/XX/XXXX. ( Today is XX/XX/XXXX. ) I explained this to Citi and Costco, telling them that 1. I could not locate my certificate email, and 2. That the only reason I had not gone shopping was my wife was in the hospital at years end. Citi said, Talk to Costco. Costco said, Talk to Citi. Citi said, Just show your old email to Costco and theyll make it good. Costco said, We need the original email certificate to make it good. I said, Ok, but I never received the original email certificate. Costco said, Ok, tell Citi to re-issue the certificate. I go back to Citi for a third time, go through the story, they say, Sorry, we cant re-issue expired certificates. I say, I understand, but I never got the original one, and I couldnt use it by XX/XX/XXXX because my wife was in the hospital. Citi said, Sorry. We dont re-issue expired certificates. 
What I am asking the CFPB for is : is there any help / remedy for me, a faithful customer, to make good on my hard-earned {$180.00} rewards from a multi-billion dollar company? 
If this gets published, my advice is to use credit card rewards that DO NOT EXPIRE.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

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

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

Company 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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I applied for a line of credit through Money Key. I have since paid the full amount of outstanding according to an email I received from them on XX/XX/XXXX, but it does not state in the email any remaining balance, if there was any. I also received an email from XXXX stating that according to my XXXX report on XX/XX/XXXX, this account was paid off in full. 

Since then, I have not signed anything or approved anything and I kept getting balance amounts due and I figured they were a mistake so I ignored them. I then got a debt validation notice saying I owe them {$2500.00} on XX/XX/XXXX I have nothing in writing that says I allowed any additional line of credit amounts. Additionally, my address they have on file is incorrect. Their signature pages do not require signatures, but rather last 4 of SSN. 

The following documents are attached : - Line of credit agreement ( No date on doc drafted, signed by me using last 4 of SSN on XX/XX/XXXX ) - Voluntary ACH authorization ( Signed by me using my last 4 SSN digits on XX/XX/XXXX ) - Arbitration Agreement Schedule A & B - Waiver of Jury Trial and Class Action ( no date, not signed by me ) there are some dates that mention XX/XX/XXXX and XX/XX/XXXX, but no year or signature. 
- Arbitration Agreement Schedule A ( unsigned by me, no dates besides XX/XX/XXXX and XX/XX/XXXX but no year mentioned ) - E-Consent - Not signed by me and no date. 
- Line of Credit Agreement ( TILA ) Update - ( dated XX/XX/XXXX, but was not communicated to me and is not signed by me. Also dated almost a month past the date I completed the application. 


Additionally, according to their own website under Products and Services linked below, it does not look like MoneyKey is even legally allowed to lend to residence in the state of Minnesota, which is where I reside. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have previously started a complaint and i was suppose to respond to th complaint but i was not aware of the time frame I had to respond. I have also been going through a hardship, due to I just lost my job and was not receiving any income within 5 months. I am just now trying to rebuild my life and have decided to check to status of this complaint because this car loan still is a huge issue and raising a big question. my previous request is as follow. 

I purchased my vehicle back in XXXX, my loan is for 4 years and only a 1/4 of the loan is paid off. The car has been giving me issue and trouble since I purchased it. I found out that the tires that I had to replace about 8-9 time since I purchased the vehicle is due to them selling me the car with tires that are not suppose to be on the vehicle. too big for the car which I feel is a safety issue. There has also been engine trouble as well. I have so much left to pay on this vehicle and the value of the car is over XXXX less than what I owe. I truly feel that something is wrong with the deal. 

on the documentation ally stated that : On XX/XX/XXXX, you entered into a Retail installment Sale Contract ( Contract ) for the purchase of a XXXX XXXX XXXX Series ( Vehicle ) with XXXX XXXX XXXX XXXX in XXXX, NJ. 

That is false I did not enter into a Retail installment Sale contract with them. 

That also does not appear to be my signature on the documentation. Can this complaint be reopened, Thank you XXXX XXXX

Company response to consumer: Closed with explanation