vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with 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.

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 explanation
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I AM WRITING THIS FTC AFFIDAVIT IN REGARD TO THE FOLLOWING FRAUDULENT ACCOUNTS THAT HAVE BEEN DEEMED AND ASSOCIATED WITH IDENTITY THEFT. ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX  ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX IN ACCORDANCE WITH THE FCRA SECTION 605B THESE FRAUDULENT ACCOUNTS ARE CURRENTLY REPORTING ON MY FICO CREDIT CONSUMER REPORTS WHICH IS IN FACT ASSOCIATED WITH IDENTITY THEFT. I AM MANDATING AND DEMANDING THE FRAUDULENT ACCOUNTS SHALL BE REMOVED AND TO BE PERMANENTLY BLOCKED FROM MY CONSUMER REPORTS WITHIN 4 BUSINESS DAYS IN ACCORDANCE WITH THE FCRA AND FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding the Capital One Savor credit card, which I recently applied for, as well as a similar issue with a prior application for the XXXX Checking account. 

When I applied for the Capital One Savor credit card, I was drawn to the advertised offer, which promised a 15-month 0 % APR and a {$200.00} cash bonus upon approval. However, after being approved for the card and receiving it, I was unexpectedly charged interest, despite the advertised 0 % APR. When I contacted customer service to address this issue, I was informed that I did not qualify for the 0 % APR offer and $ 200bonus although I had applied based on the terms clearly presented at the time of my application. 

This is not the first time Ive experienced such an issue with Capital One. I previously applied for a XXXX Checking account that also promised a {$350.00} bonus. To my disappointment, the bonus was not applied to my account either despite having met the qualifications outlined in the advertisement. 

This is not only misleading but feels like a deceptive business practice. These experiences have caused significant frustration and disappointment. I relied on the advertised benefits when making the decision to apply for both the credit card and the checking account, and it is disheartening to find that the offers were not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MD

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Collection XXXX XXXX - XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX - {$1700.00} XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IN

Complaint narrative:
Ive identified billing errors on my credit report showing late payments inconsistent with my record. Kindly correct them.

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 2024-11-27 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: DISCOVER BANK
State: FL

Complaint narrative:
I didnt approve or authorize any release of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Ive noticed multiple accounts on my credit report that I didnt authorize. Requesting these fraudulent entries be removed immediately.

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 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX  Account : XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I am requesting validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Specifically, I am requesting that you provide a copy of the original contract with my wet signature as evidence of the alleged debt. If you can not provide such documentation, you are required to immediately remove any and all negative marks from my credit reports ( including XXXX, TransUnion, and XXXX ) related to this debt. 

Be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I do not owe, is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 [ 15 USC 1692e ] and the Fair Credit Reporting Act ( FCRA ). Therefore, if you fail to validate this debt as required by law, you must request that all credit reporting agencies delete the entry from my credit file.

Pending the outcome of my investigation into any evidence that you may submit, you are instructed to take no further action that could be detrimental to my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please note that this notice is an attempt to correct your records. Any information you provide will be collected as evidence should any further legal action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Furthermore, if you are unable to provide the requested evidence ( the contract with my wet signature ), please submit a copy of this letter and all related correspondence to the Consumer Financial Protection Bureau ( CFPB ) portal, and ensure that any negative credit reporting is immediately removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account : XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I am requesting validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Specifically, I am requesting that you provide a copy of the original contract with my wet signature as evidence of the alleged debt. If you can not provide such documentation, you are required to immediately remove any and all negative marks from my credit reports ( including XXXX, XXXX, and Equifax ) related to this debt. 

Be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I do not owe, is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 [ 15 USC 1692e ] and the Fair Credit Reporting Act ( FCRA ). Therefore, if you fail to validate this debt as required by law, you must request that all credit reporting agencies delete the entry from my credit file.

Pending the outcome of my investigation into any evidence that you may submit, you are instructed to take no further action that could be detrimental to my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please note that this notice is an attempt to correct your records. Any information you provide will be collected as evidence should any further legal action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Furthermore, if you are unable to provide the requested evidence ( the contract with my wet signature ), please submit a copy of this letter and all related correspondence to the Consumer Financial Protection Bureau ( CFPB ) portal, and ensure that any negative credit reporting is immediately removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NM

Complaint narrative:
I am wanting to formally dispute the inaccurate and inconsistent reporting of the account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. Upon reviewing this account, I have identified multiple errors and inconsistencies that warrant its removal from my credit report.Based on the account details provided in the report, the following issues and potential violations of the Fair Credit Reporting Act ( FCRA ) are identified : XXXX. Inconsistent High Credit Across Bureaus : The High Credit is reported as {$4900.00} by XXXX and Experian, but XXXX reports {$5800.00}. This discrepancy violates FCRA XXXX ( b ). 
XXXX. Conflicting Date Last Active : The Date Last Active differs across bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX This inconsistency affects the reporting timeline and violates FCRA 1681e ( b ).

3. Inaccurate Payment Status : The account is listed as Collection/Chargeoff, but comments indicate it is being managed by credit counseling services or a financial counseling program. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 
XXXX. Untimely Updates : The Last Reported date is delayed, with XXXX and Experian showing XX/XX/XXXX, which raises concerns about compliance with FCRA 1681s-2 ( a ) ( 2 ) requiring timely updates.

5. Unverifiable Information : Given the conflicting information, it is unlikely the creditor can substantiate the accuracy of this account. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted.

6. Potential Re-aging of Debt : Discrepancies in Date Last Active may indicate re-aging of the debt, violating the 7-year limit for reporting negative accounts under FCRA 1681

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Dear Golmad sachs bank usa I, the consumer and natural person, was denied credit by Golmad Sachs bank USA when I applied for a credit card Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Golmad sachs bank usa due to the response I received.

Golmad sachs bank usa is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Golmad sachs bank usa If Golmad sachs bank usa fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Golmad sachs bank usa criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: KS

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-27 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA & # 39 ; s permissible purposes requirements.

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 2024-11-27 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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