vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
My account 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 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payments by KIA FIN AM to the credit bureaus. Their records indicate that several payments have been marked as late, despite the fact that all payments were made on time. This false information is severely damaging my credit score and misrepresenting my creditworthiness.

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 2024-12-03 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: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BARCLAYS BANK DELAWA, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my 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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been having financial difficulties in paying my mortgage, the mortgagee is J.P. Morgan Chase. I applied for financial assistance in XXXX, 2024, and the morning after XXXX XXXX, XX/XX/year>, I received a call from my relationship manager, XXXX at Chase who told me I was denied financial assistance that I applied for. My loan is a XXXX XXXX  XXXX. I have my apartment for sale, its a condominium located in XXXX XXXX and there is plenty of equity in the apartment to pay off my mortgage. But Chase can offer no assistance whatsoever and indicated my investor will not allow it. I was transferred to XXXX supervisor, XXXX XXXX who told me it is imperative to make at least one payment immediately, and if not he couldnt guarantee that foreclosure proceedings will not be started. XXXX XXXX also said that if I dont make my payment by XX/XX/year>, a payment may no longer be accepted. In other words XXXX XXXX is attempting to extort a payment from me. 
I then realized that my mortgage payments as it stands at the moment are 90 days late. The law states that in order to start foreclosure proceedings, one must be 120 days late according to XXXX law. Finally after trying to convince me that still a payment is due immediately, XXXX XXXX stated if no payment is made by XX/XX/year>, I am technically in default. When I told him that even a colleague of his and I gave the name and date I spoke to her, XXXX XXXX explained to me how the 120 days are counted, XXXX XXXX struggled to explain himself. In other words XXXX and his colleague my relationship XXXX, XXXX disturbed my XXXX holiday to threaten me that if I dont make a payment by XX/XX/XXXX, I am risking that Chase will start foreclosure proceedings which is false according to XXXX XXXX because as of XX/XX/XXXX, I will be 90 days late since my first late payment was for the month of XXXX, 2024. I was told by Chase during the phone conversation that a letter was sent to me that to this day I havent received stating that I was denied mortgage assistance. XXXX XXXX also explained to me that chances are I would be approved for a deferment for about XXXX months until my apartment is sold, unfortunately not to be the case. 
And why Chase can not provide me with mortgage assistance they could not explain except to say the investor will not allow it. When I asked them if the investor was XXXX XXXX, they admitted to it. I was able to reach XXXX XXXX today, and XXXX XXXX told me that they do not make decisions for loan servicers. Therefore Chase lied to me about that too. This a horrible way to treat anyone, let alone a borrower who has made their payments on time for XXXX XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX both my XXXX XXXX  we all and XXXX XXXX where deleted off my report and it isn't accurate at all, I am still paying these two loans and it is negativity impacting my report as well as the persons name whom is also on the credit report ( XXXX XXXX ). I would like these to both be put back on as it states accurately from my credit report from my lawyers office.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: CA

Complaint narrative:
I wrote a check to vendor with the Square Checking Online services. The check was deposited on XX/XX/year> and on XX/XX/year>, the Vendor claimed that they did not received their check. However viewing the check status online says that the check has been cleared and deposited. 

I called and exchanged communication with Square Checking support for 3 weeks. The only answer I got was the best official validation is the statement I can view online.The statement only has a picture of the front of the check, no account deposit references whatsoever. After asking for more information or higher level contact to escalate. I received an email saying there is no further escalation I can take. 

I tried to contact XXXX XXXX  which is their parent bank and they only responded with same information to contact Square Checking Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
From XX/XX/XXXX till today, my account has been restricted three times and then today deactivate it with money, not being accessible being held and verified processed payments, not showing an account or in statements, but there are proof of them in receipts. They have refused to release reactivate and provide any clarification of their reasoning of their actions because There is no violation I have done or preached with the terms but they have over {$1400.00} been without for me and also stopping me for providing products in merchandise to the consumers who have purchased items through the Square software and product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MS

Complaint narrative:
I need your help addressing the inaccurate account listed on my credit report. This matter has negatively impacted my reputation as a customer, and I am requesting your assistance in removing these incorrectly reported accounts.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I made a payment in excess of my minimum balance to pay off a " Chase XXXX XXXX XXXX '' plan. XXXX XXXX XXXX XXXX  states that payments will be allocated to 1 ) the balance with the highest APR first, then the lower APRs, and 2 ) oldest charges first, then newer charges. 

Instead, my excess payment was allocated to my newest Chase XXXX XXXX XXXX plans, which also had lower equivalent APRs than the older and higher fee plan I was attempting to pay off. I spoke with two supervisors and an " Executive Office '' representative, who opened a case for me about this issue. All stated that there was nothing they could do to reallocate the payments consistent with what I had been previously told by Chase representatives and per the language in the XXXX XXXX XXXX. 

I have already been charged over {$400.00} in fees due to this incorrect allocation and will likely be charged another {$200.00} this month for a total of over {$600.00} in excess fees due to their improper allocation of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: DC

Complaint narrative:
I am filing this complaint due to ongoing inaccuracies in my credit report from TransUnion, which continue to damage my credit. Despite previous attempts to resolve these issues, the inaccuracies remain and violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Specific Items in Dispute : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquiry Dated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Dated XX/XX/XXXX Issues Identified : Inaccurate, inconsistent, or unverified reporting across multiple credit bureaus. 
Failure to provide substantiated evidence of reported information. 
Non-compliance with XXXX XXXX reporting standards, compromising the accuracy and completeness of my credit file. 

Requested Resolution : I request : 1. Immediate removal or correction of all disputed items. 
2. Verification of compliance with the FCRA and XXXX XXXX standards. 
3. Written confirmation of the corrections made, including notarized verification from a qualified individual. 

Impact : These errors have led to unjust credit denials and excessive interest rates, which have negatively affected my financial opportunities. 

I expect prompt action within 7 days to avoid further legal action.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 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: FL

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 explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I was alarmed to find multiple unauthorized inquiries on my credit report. Several companies accessed my report without my knowledge, consent, or any application initiated by me. I do not recognize these inquiries and did not authorize them in any form. 
This misuse of my personal information is a blatant violation of my rights as a consumer and deeply concerning.

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 2024-12-03 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: TX

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. I told XXXX, transunion y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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 2024-12-03 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: IL

Complaint narrative:
My account 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 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 2024-12-03 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: CA

Complaint narrative:
I was shocked to discover that my credit report was accessed without my authorization. An application was submitted in my name, and the company pulled my credit report without my knowledge or consent. I did not apply for credit with this company, nor did I authorize this inquiry. This unauthorized access is a clear violation of my consumer rights, and I find it both alarming and insulting.

Company response to consumer: Closed with explanation