vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 me 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 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 XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 me 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 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 XXXX 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 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 2024-06-14 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: OH

Complaint narrative:
XXXX ( XXXX ) years ago on XX/XX/XXXX, I purchased my vehicle financed from XXXX, but on XX/XX/XXXX only over a month later, I had problem with engine light which was then turned off But no replacement, or repair offered, nor was warranty with regard to Federal Law Madison-Moss warranty Act. From XX/XX/XXXX - XXXX XX/XX/XXXX., I had to continually do repairs Then finally my vehicle broke down from XXXX XX/XX/XXXX. Amid XXXX XXXX pandemic I was given a forbearance, modification Deferred payment plan by XXXX But in XX/XX/XXXX, it was cancelled without noice, making all payments current again, then sent me a 120 days late notice. I was told to go to XXXX XXXX to pay {$400.00}. On XXXX.Even though, my vehicle did not run. So I made the payment. Then the following week XX/XX/XXXX. XXXX illegally repossessed my nonoperable vehicle. Then they closed then agreed to closed the account on XX/XX/XXXX and again on XX/XX/XXXX. I do not owe 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 2024-06-14 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: TX

Complaint narrative:
There is an account that doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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 sent a certified letter to Equifax to update incorrect information on my credit report. I sent two forms of identification, and a typed letter for readability, but received a response from Equifax that they can't locate my credit file. 

They also stated that my documents were illegible. While I sent the same documents to the other credit reporting agencies and they updated my personal information just fine. 

I am going to include the letter in question here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
An order for fish tank anti-biotic was placed with XXXX on XX/XX/year> XXXX. Order confirmation was received from XXXX. This has been the ONLY COMMUNICATION from the merchant to date. 

XXXX. There was no further detail from them re preparation, shipment, tracking number, delivery notification NOTHING. 

4. On XX/XX/year>, I tried contacting the merchant but discovered their website XXXX  NO LONGER EXISTS. Thats when I called Citibank to dispute the charge. On that day, I specifically told your customer rep that the website is no longer reachable and I suspected XXXX to be a scam. I had requested the case be referred to the Citibank fraud team. 

Apparently, my request had been ignored. I have never been contacted by the Charge dispute team ( by phone or email ) about the status of this disputed charge. Not having heard from Citibank re this case for so long, I finally called their customer service about this on XX/XX/year>. Thats when I was informed that the case had been concluded, that the merchant had claimed the product was shipped out to me and that I could look it up under Disputed Charges in Citibank online. 

Questions : 1. Did the merchant show any actual proof of the shipment? 2. Was any t
racking number provided to Citibank? If so, what is that USPS tracking number?

3. Why is there no communication from Citibank with me during and after the case was concluded?

4. Did Citibank ever verify that the merchants website is no longer reachable online?

This case should have been referred to the Citibank fraud team before any more customers get conned by this same merchant, maybe under a different name and website.

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 2024-06-14 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had this account on my report. XXXX Account no XXXX. By law I have a right to an accurate and fair credit report. Please remove this account from my report as they are hindering my ability to obtain credit. I have been denied credit several times due to this 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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need XXXX {$100.00} case number XXXX and XXXX {$100.00} case number XXXX my dispute is to be reopened because I didnt receive my order and I have called the dispute phone number at XXXX and press option XXXX to get to the department that handles XXXX department but they say they denied my XXXX disputes and I also called the customer support at wells fargo XXXX and I also asked them for an update on both disputes they also say it was both denied and I want y'all to reopen my disputes because I disagree with the decision and reinvestigation the XXXX disputes or open a new dispute for both disputes and investigate it or change the dispute so I can get my money back for both denied disputes or give me a credit for both denied disputes for {$100.00} and {$100.00} so a total of {$200.00} in credits I am asking for back my online bank username is XXXX please contact me at XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB And here you go XXXX payment Confirmation : XXXX is and also XXXX Confirmation : 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company 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 2024-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
I DO NOT OWE PROFESSIONAL ACCOUNT MANAGEMENT AND CALLED XXXX TO CONFIRM ON SEVERAL OCCASIONS. THEY HAVE AN INVALID ADDRESS AND MY DAUGHTER CONTACTED ME STATING THEY SENT A COLLECTION LETTER. ONCE I CALLED AND VERIFIED THE DEBT IS NOT MINE, IT WAS CONFIRMED THAT IT WAS CLOSED. THIS COMPANY THEN CHOSE 30 DAYS LATER TO CALL, AND SEND INVALID COLLECTION NOTICES AFTER CONFIRMING THE DEBT LESS THAN XXXX IS NOT MINE. THIS COMPANY IS VIOLATION COLLECTION LAWS BY CONTACTING ME.

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 2024-06-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA

Complaint narrative:
XX/XX/XXXX I was talking XXXX, Me and Conserve agreed to a payment arrangement. 

We agreed on two payments. 

1st payment. {$110.00} on the XXXX of XX/XX/XXXX payment. {$230.00} on XXXX of XXXX. 

. 


I called yesterday on XX/XX/XXXX I was speaking to one of the representatives and I was trying to make an early payment of the 1st payment. I made the first payment and she kept telling me that she needed to send documents for recurring payment for me to sign for the second payment and I was like nah. So I gave her my bank information for the second one so that the second payment can be completed on the XXXX OF XXXX. I wake up today and saw that the ACH payment was sent last night and now that's leaving me with {$23.00} in my bank account. 

So I Talked to the supervisor today and she said she was going to reversed the second payment but I don't trust that at all and I'm going to be filing a dispute with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I HAVE A CHASE CREDIT CARD. A FEW DAYS AGO I OPENED A CHASE PERSONAL CHECKING ACCOUNT ONLINE AND EVER SINCE I DID, I'VE BEEN LOCKED OUT OF MY ONLINE ACCOUNT. I CAN NOT LOG ON TO MAKE A PAYMENT. AS OF TOMORROW, I WILL BE LATE MAKING MY PAYMENT AND I'M NEVER LATE MAKING MY PAYMENTS. I'VE CALLED THE NUMBER IT SAYS TO CALL WITH THE MESSAGE SAYING THERE'S SUSPICIOUS ACTIVITY BUT ALL THOSE IDIOTS DO IS KEEP PASSING ME FROM ONE PERSON AND DEPARTMENT TO ANOTHER NOT GETTING ANYTHING ACCOMPLISHED. I'VE TALKED TO NUMEROUS PEOPLE IDENTIFYING WHO I AM AND ALL THEY DO IS TRANSFER ME TO ANOTHER PERSON TO IDETIFY WHO I AM. I DON'T HAVE TIME FOR THIS XXXX XXXX!!!!! ALL THEY DO IS KEEP TRANSFERING ME THAT'S IT!!! MY ACCOUNT IS LOCKED. I CAN'T MAKE A PAYMENT AND I'LL BE XXXX IF THEY REPORT LATE PAYMENTS TO THE CREDIT BUREA BECAUSE OF THEIR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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 to voice my worries about a few problems I've had with the credit bureau. These problems include multiple unauthorized inquiries, incorrect personal information and faulty credit reporting.

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 2024-06-14 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and 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 reported in XX/XX/year> to 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 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 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 non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have XXXX credit cards with bank of america. 

XXXX was opened in XXXX and has a very low balance. 

They have never added it to my online profile, and have never sent any statements or correspondence. 

Attempts to contact them are pointless as hold times on every single line is over XXXX minutes. Going to a local branch results in that banker having to call the same number and waiting XXXX minutes. 

They do not have any options to email, or chat with them. 

All I want to do is make a payment and have access to the account on the website so that I can monitor it and ensure it does not go delinquent. It is absurd that they are allowed to have constant hold times of XXXX minutes. If we were a developed country this would be regulated by the government to ensure that this does not happen.

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 2024-06-14 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:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification, so if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it!

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