vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: MO

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX ) 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! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint against Simmons National Bank ( Trust Department ), located at XXXX XXXX XXXX, XXXX XXXX, AR XXXX, regarding their mishandling of a Family Farm Trust account in XX/XX/year>. 

Alleged Misconduct : Simmons Bank has failed in its fiduciary duty in several critical ways : 1. Unauthorized Account Changes : The bank allowed changes to the trust account without proper documentation or authorization. A perpetrator appears to have taken control of the trust bank account through what I believe to be elder abuse. Simmons Bank facilitated this by failing to verify that the proper trust documents were in place before allowing these changes.

2. Refusal to Provide Documentation : When I requested copies of the banking instructions and trust transfer documents, Simmons Bank informed me that they did not have any such documentation on file. They refused to provide even a printout or screenshot to prove what was ( or was not ) on file. I subsequently made a formal request in writing ( via certified letter to the Bank CEO ), to which the bank never responded in writing, only calling to say they would not provide this information.

3. Failure of Due Diligence : As a fiduciary, Simmons Bank had a responsibility to carefully review the account and confirm that any changes or transfers were accurate and properly authorized. Their failure to do so has resulted in significant financial harm to the trust and its beneficiaries. 
Consequences : As a result of the bank 's negligence : 1. The {$22000.00} account balance was depleted without proper authorization.

2. {$10000.00} in grant income was withheld from the trust beneficiaries.

3. Farm recreational licenses were wasted, resulting in lost income for the trust.

4. Farm assets are being sold to the detriment of the intended beneficiaries, without appropriate authorization.
5. Farm vendors threatened to prosecute due to checks being written on the closed trust account.

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 2024-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
I recently moved to a new home and using my online access through HuntingtonXXXX, I updated my bank accounts to this new address on XX/XX/year>. On XX/XX/year>, I enrolled online in XXXX so that I could submit a payment to a recipient in California. I received a message indicating my XXXX enrollment was successful, another email indicating I updated my XXXX recipient list, another email indicating my XXXX payment ( amount = {$1000.00} ) was sent and finally the last email that my XXXX payment failed. 

At this point I started receiving error messages while trying to access my account online so I called the general customer service number ( XXXX ) at Huntington. I spoke with a representative named " XXXX '' who told me that my account access was restricted because it was suspicious that I changed my home address and made a XXXX payment within a short period of time. He further stated the only way to removed the restriction was for me to visit a local branch. I told XXXX this was not possible as I now live in the XXXX, AZ area and the closest branch is 2,000 miles away. XXXX then said there was a branch in the XXXX, CO area that I could drive to that is closer than 2,000 miles. XXXX is approximately 850 miles from my new home and almost a 13 hour drive! He said there was nothing he could do as this was Huntington 's policy. 

I followed up with another call on XX/XX/year> and spoke with " XXXX '' and her supervison " XXXX. '' They both also said that my only option was to visit a Huntington branch location. 

I have now lost the ability to access all of my accounts at Huntington. This includes the ability make transfers, see account history and access bank statements to name just a few. Even though their system authenticates me by my mobile number when I call and asks for me to enter my secret PIN that I previously setup, they will not provide another option for me to unlock the restriction on my online access. They even sent a code to my mobile number for me to read back to them. 

I feel this unfair and abusive on Huntington 's part to restrict my access when I did nothing wrong on my part by engaging in normal activities ( updating address and engaging in an ecommerce transaction ). I am not able to drive 13 hours, nor should I have to, to unlock my online account access for transactions that I confirmed I made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I recently received a copy of my consumer credit report and i noticed payments posted on my credit report : DISCOVER BANK under the account number XXXX. Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. i demand a refund any alleged late payments that was charged and i demand you to Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Today ( XX/XX/XXXX ) I received four separate pieces of mail at my home address indicating that credit cards and/or debit cards were opened on my behalf with four different vendors : Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not request to open any of these accounts. None of them showed up on XXXX or XXXX checks, but my XXXX report showed XXXX recent hard requests for credit : two from Bank of America ( XX/XX/XXXX and XX/XX/XXXX ), one from XXXX ( XX/XX/XXXX ) and XXXX from XXXX XXXX  XXXX ( XX/XX/XXXX ). I contacted XXXX and started a fraud alert case with them, and their representative indicated it would be a good idea to go to ftc.gov to start a complaint there as well. I did not request any of these credit/debit cards in any fashion.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises
State: OH

Complaint narrative:
I defaulted on my loan through RightNow loans due to financial hardship I conveyed the situation to them they offered me a payment plan but I couldnt update anything on their website and when I call it drops the call they wont communicate through email and are just threatening to sue me on top of that they are charging ridiculous amount of APR and interest I got a loan for XXXX dollars and will be paying back almost XXXX I was told I could pay off the principal balance whenever and now am being told I can not. I cant afford to be sued Im single mother I need to get this figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XX/XX/2024 I got a notification that my XXXX XXXX was affected by debt collection of {$8500.00} from XXXX XXXX XXXX XXXX XXXX, XXXX I served as a courtesy XXXX XXXXXXXX for the complex. My rent XXXX XXXX in which I only XXXX XXXX on my own in which I did. 

I ended my contract in which the XXXX XXXX was ending my contact due to my XXXX XXXX XXXX and in exchange they would not affect anything against me as they would hire another XXXX to fill the spot. 

I was not notified by anyone from XXXX XXXX XXXX nor the creditor until I noticed an alert with my XXXX XXXX that dropped XXXX points from over a XXXX XXXX XXXX I have achieved. 

I contacted Pro Collect INC in which the agent stated he did not want to hear anything from me and that I have to pay this. I attempted to explain that XXXX XXXX XXXX and myself have a contract that states this. Unfortunately the unprofessional agent refused to let me talk and stated he had my contract. I further attempted to explain in which he hung up multiple times and stated I dont know who youre talking to about this in a rude and belittling manner, and proceeds to hang up the phone call which hinders my ability to deal with this miscommunication he is not willing to address.

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 2024-07-05 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: PA

Complaint narrative:
A few months ago I went to apply for credit cards and the underwriting team told me that XXXX and Equifax wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to XXXX to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my XXXX. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX years old. I attached files where it shows I didn't have all those accounts on my XXXX or Equifax in XX/XX/2023 and XX/XX/2023. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
A few months ago I went to apply for credit cards and the underwriting team told me that XXXX and XXXX wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to XXXX to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my XXXX. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX years old. I attached files where it shows I didn't have all those accounts on my XXXX or XXXX in XX/XX/year> and XX/XX/year>. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2024-07-05 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: AR

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: AR

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief