vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it 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/2024 to be removed. They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are credit inquiries that I did not recognize

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 2024-03-05 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: TN

Complaint narrative:
TransUnion has put a lot of inquiries on my credit that I did not authorize. 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

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Credit card provider ( XXXX ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts XXXX accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( XXXX ). I wrote to XXXX and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Credit card provider ( XXXX ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts XXXX accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( XXXX ). I wrote to XXXX and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
There are credit inquiries that I did not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
They are saying they dont see many of the duplicate transfers that I am seeing. 

Every time I transfer money for a credit card payment, they take the same amount but label it bill pay. 

I pay my credit card on time every month and they have charged me interest and fees. 

I add money to a gift card they take the same amount but I dont have the duplicate as credit on my cards. The bank takes it. 

I dont know how this is even possible. 

Bank of America

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 monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I previously disputed this account XXXX XXXX  Account # XXXX Amount : {$140.00} on XX/XX/2024 ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX ID # XXXX on XX/XX/2024 at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.

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 2024-03-05 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: GA

Complaint narrative:
I previously disputed this account XXXX XXXX Account # XXXX Amount : {$140.00} on XX/XX/2024 ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX ID # XXXX on XX/XX/2024 at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Subject : Complaint Regarding Unresolved Banking Issues I am writing to formally file a complaint against PNC Bank due to unresolved issues with my account. On XX/XX/2024, I deposited a {$46000.00} check, leading to a five-business day hold Ending XX/XX/XXXX. I used Debit Card once check cleared with no issues.Despite the check clearing, attempts to withdraw {$17000.00} on XX/XX/XXXX and XXXX From Local Branch were repeatedly delayed with conflicting explanations from the bank. 

Moreover, They stated my account was frozen after a attempted a wire transfer that i made while in branch on the sameday, allegedly under investigation for the deposit, verified check and Attempted Wire Transfer. Despite assurances from PNC Bank With VoiceMail Left on my Phone Number Listed on account and a verified PNC Branch Manager Office Number Also After me Verifying attempted wire I have been without access to my funds for over 10 days, and the bank has provided inconsistent information, causing significant frustration. 

I am seeking prompt resolution and clarification on the status of my account, as well as an explanation for the prolonged investigation. This situation has caused undue stress and inconvenience. I request a thorough review of the matter and a timely resolution to restore access to my funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/2018 I enrolled all my credit cards with XXXX XXXX XXXX XXXX including XXXX so I don't have to deal with these creditors myself. I managed to pay all my credit cards on time until I got laid-off my job. After XXXX month, I still not able to find a job and all my savings start drying out & I start falling behind my bills. 
XXXX sold my debt to a third party without my knowledge and I don't even receive a notice from the original creditor. LVNV Funding LLC is now owed my debt and placed my account to XXXX credit bureaus with the amount of {$7400.00}. I don't think I owed this much of money from my credit card as my limit given to me is only $ XXXX by XXXX and I already been paying them before I even fall behind my bill. LVNV funding keeps reaging my debt every year from credit bureau which hurts my account. They failed to provide me the agreement with the original creditors regarding this debt and all payment transactions made to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: AZ

Complaint narrative:
I have asked at least 3 times for the original purchase agreement from the original creditor and signatures from all parties involved. Because I have had different companies reach out to me about this same alleged debt.

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 2024-03-05 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: AZ

Complaint narrative:
I have asked at least 3 times for the original purchase agreement from the original creditor and signatures from all parties involved. Because I have had different companies reach out to me about this same alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I'm writing to complaint to EXPERIAN about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, and I go by XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

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 2024-03-05 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: PA

Complaint narrative:
I'm writing you today because Experian has never provided me any proof on how they verified this bankruptcy that is reporting inaccurately on my consumer report. Experian has never did an investigation but only verified this account as being accurate. Experian has never verified this account to be accurate with the bankruptcy courts which would be the institution that conducted the bankruptcy in the first place. 

I request Experian provide me proof what bankruptcy Court officer has provided them information stating the bankruptcy that's listed on my consumer report is accurate and or letter of any sort showing they were in communication with the bankruptcy court confirming the bankruptcy that's listed on my consumer report is accurate and they were the original furnishers of the bankruptcy that's listed on my report. 


This account must be deleted because Experian has no permissible purpose, they illegally obtained alleged bankruptcy information and applied it to my consumer report without any communication from the bankruptcy court, Experian illegally and knowingly transferred a report on my consumer report without written instruction from me, they have no proof from the bankruptcy court that this account is accurate and it should be on my credit report. 


This account must be deleted immediately. 



See attachments below.

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 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Nationstar Mortgage has been trying to foreclose on my home since XXXX. The made false claims the XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX  was the owner of my mortgage and note. However, the trust has not existed since XXXX. I also have a written statement from XXXXXXXX XXXX  showing they do not own my mortgage and note. Recently they filed a motion of summary judgement and filed an affidavit containing a forged signature of XXXX XXXX from Nationstar Mortgage, No one at nationstar Mortgage could verify that this person even works there and go to find out this so called person has numerous different affidavits with none of the signatures remotely even matching any of the others. This is another case of a robo signer in which a fake name is used and anybody can just sign the document which is fraud. I had a professional hand writing expert look at these documents as well as the Chief of Police in XXXX, Illinois and they determined that the signatures are not genuine. Nationstar willingly and knowingly committed fraud by using a fake person by the name of XXXX XXXX to sign a bogus affidavit to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it 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> to be removed. They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of 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 USC1666b ( 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 XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a 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 payment from my consumer reports XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-03-05 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief