vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
They are reporting inaccurate payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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:
They are reporting inaccurate payment history

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 2024-03-10 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: IN

Complaint narrative:
I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for XXXX XXXX XXXX XXXX XXXX XXXX is closed and written off and sold to a XXXX XXXX XXXX. They are both reporting on same account and have been since XXXX. I called XXXX they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see 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 explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for XXXX XXXX XXXX XXXX XXXX XXXXXXXX is closed and written off and sold to a Midland credit management. They are both reporting on same account and have been since XXXX. I called XXXX they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Wrongful Treatment of American Express Loyal Credit Card Customers Date of Transaction : Thursday, XXXX XXXX XXXXXX/XX/XXXX American Express 's Promotional Offers, Marketing Practices, and Communications are Biased, Confusing, and Misleading. 

Brief Background : I have been an American Express customer since XXXX. Unfortunately, that is rarely even acknowledged. I have a XXXX Credit Score of XXXX. My AMEX Credit Card Accounts have always been in Good Standing. But, when I call American Express for Customer Support my calls are routed to International Agents that are condescending, disrespectful and rude. American Express Customers deserve better! 

Amount of Money Paid to Business : The amount of Money Involved is the method American Express uses to determine Credit Card issuance and Credit Card Limits What the Business Committed to provide : The American Express Agent ( XXXX ) Committed to Upgrade my XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX within ( 24 ) hours for the Special offer I agreed to. But he documented that I requested more information when I did not. This caused an unexpected wrongful delay in processing my new American Express XXXX XXXX Credit Card. 

When American finally decided to load my XXXX XXXX, they wrongfully breached my Personal Identifiable Information ( PII ). They changed the name on my Hilton Honors and XXXX XXXX XXXX Credit Card, violating Data Privacy and security of personally identifiable information. 

Both AMEX Credit Cards have someone elses name on them : XXXX. XXXX. I need someone at American to tell me who XXXX. XXXX is. And how and why this happened? ( Please see the Screenshots of both credit cards in the Attachment ). 

When I applied for this Hilton Honors Credit Card, even though I have Excellent credit, the only way that American Express would approve the account was by lowering my XXXX XXXX XXXX limit to issue the Hilton Honors Credit Card limit. This is a horrible Bad Practice. 

The Nature of the Dispute is : American Express breached my Account by adding someone elses name, XXXX. XXXX, offers to my Credit Cards. They have fewer Advantageous Promotional. Higher Interest Rates, Inferior Credit Card Terms. Condescending, disrespectful, and rude communications. Invalidate and dismiss my concerns. Never apologize for confusing communications, wrongful actions and behaviors. 

Whether or not the Business had tried to resolve the problem? 
I spoke with XXXX, XXXX, XXXX, and XXXX, who was a 2nd Level Lead Review representative. 

But XXXX stated it would take them 7 to 10 days to provide any feedback or resolution. This is absolutely beyond disappointing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is denying me online access to 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates : 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  I do not contact these companies for the following dates that have been listed. I am attaching the proof of data being breached through black web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX account was closed XX/XX/XXXX date last paid was XXXX  however my date last active has been continuously updating which is extended my statue of limitations they recently updated the account on XX/XX/XXXX when the last payment was XX/XX/XXXX this is clearly inaccurate information and a violation of my fcra consumer rights

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 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This is as a follow up to CFPB complaint XXXX. 

On XX/XX/, I made a principal-only payment of {$80000.00}, as well as my regular XX/XX/XXXX payment of XXXX to my original loan servicer, XXXX XXXX XXXX  XXXX These payments reduced my unpaid principal balance from XXXX to XXXX. 
I have a payoff statement, a payment history statement, as well as personal correspondence from XXXX XXXXXXXX XXXX XXXXXXXX XXXX office proving my principal reduction was applied on XX/XX/XXXX. 

My loan was subsequently transferred to Nationstar/MrCooper. 

It appears that because XXXX XXXXXXXX XXXX  wanted to expedite the transfer of my loan, they did not wire my principal reduction to Nationstar/MrCooper until XX/XX/XXXX. 

Therefore in Nationstar/MrCoopers eyes, my principal reduction did not take effect until XX/XX/XXXX. And, on XX/XX/XXXX, I was charged an entire month of 7 % APR interest on my {$80000.00} payment! 

7 % of {$80000.00} is {$5600.00}, and one months worth of interest is {$460.00}. That is {$460.00} that Mr. Cooper is cheating me out of, by not honoring my XXXX payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, I leased a car through Ally Financial, when my lease ended I returned the car on time ( was leased on XXXX XXXX and was returned on XX/XX/2023 ) and I have the documents with signatures from the dealer, but they saying it was late for 21 days or so and asking about {$1500.00}, I emailed them the document with the date that my vehicle was returned and after that they put a collection and late fee on my credit with 3 credit reporting abencys, and this is not the first time they are trying to collect money illegally and Im not the only customer. They need to be stop doing this. Im going to file a Police report against Ally Financial also. If I can open a lawsuit against them I will gladly do that too. I have the document and I can provide anytime. Thank you so much and I hope you will do something so they will stop doing illegal things and ruin peoples credit. Thank you so much

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Foremost, CAPITAL ONE is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, CAPITAL ONE is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: FL

Complaint narrative:
After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681-602A states I have the right to privacy XXXX15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.

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 2024-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a {$200.00} Amex Prepaid Gift Card from my employer but I have not been able to use it online or at brick and mortar stores because it is not accepted anywhere or it just declines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 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: IA

Complaint narrative:
Reviewing my most recent credit report it appears that a late payment 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the 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 2024-03-10 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: IA

Complaint narrative:
Reviewing my most recent credit report it appears that a late payment 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the 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 explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
mortgage company pulled incorrect insurance cost from insurance company that was 10x correct amount and added it to escrow, thus overcharging me monthly by XXXX the charge was adjusted but is still XXXX too much. fay servicing will not take responsibility or correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: MI

Complaint narrative:
XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was change too XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XXXX XXXX XXXX  REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XXXX XXXX XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XXXX  this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION

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