vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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 accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/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. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 explanation
Consumer complaint received 2025-02-25 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: FL

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
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-25 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist. As per the Fair Credit Reporting Act, it is your legal obligation to ensure that the information reported is accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CT

Complaint narrative:
I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist. As per the Fair Credit Reporting Act, it is your legal obligation to ensure that the information reported is accurate and complete.

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 2025-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SUN WEST MORTGAGE COMPANY, INC.
State: LA

Complaint narrative:
My 403 ( k ) loan closed on XXXX XXXX. From the first day of the loan, interest was charged on the entire loan amount. However disbursements were gradual, and at no time during the loan period did I withdraw the entire amount. So, I was charged interest on money that the bank never disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX/XXXX/2024, I received a Citi Credit Card XXXX statement with a balance of {$3100.00} with a due date of XX/XX/XXXX/24. 

I went to Citibank online website and scheduled minimum payment of {$41.00} from my Citibank Checking Account to Citi Credit Card XXXX scheduled for XX/XX/XXXX2024. 

On XXXX/XXXX/2024, I made a partial payment of {$44.00} using Rewards points. 
On XX/XX/XXXX/2024, I made a partial payment of {$3100.00}. 

The total of {$41.00}, {$44.00} and {$3100.00} added up to {$3100.00}. 

Citibank did not make the payment of {$41.00} from my Citibank Checking account to my Citi Credit Card XXXX. 

On XX/XX/XXXX/24, CitiCard charged me an Interest fee of {$20.00}. 

On XX/XX/XXXX/24, Citicard charged me an Interest fee of {$34.00}. 

I would like the reimbursement of ( {$55.00} = $ XXXX {$34.00} ). 
I tried contacting Citi card representatives. But they declined to reimburse.

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 2025-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Management Office Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Details : I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX XXXX for fraudulently claiming I owe a balance of {$2400.00} related to my former residence at XXXX XXXX XXXX XXXX XXXX XXXX. Despite multiple requests, they have failed to provide any documentation to substantiate their claim. 

Timeline of Events & Actions Taken XX/XX/year> : I sent a formal letter to XXXX XXXX XXXXXXXX XXXX requesting a detailed statement of charges, a copy of my lease agreement, and payment records. I disputed the balance and stated that until documentation was provided, the debt should not be reported to credit bureaus or collections. 
XX/XX/year> : I sent a second formal dispute letter to XXXX XXXX restating my request for verification of the charges. I emphasized that I had no signed lease agreement with them, was moved multiple times due to management-related issues ( flooding, fire sprinkler malfunction ), and ensured my unit was professionally cleaned upon move-out. 
As of today, I have received NO response from either party. 
Why This Debt is Invalid No Lease Agreement : I never signed a lease agreement with XXXX XXXX, yet they are attempting to collect a debt without providing proof of a valid lease. 
Repeated Displacements : I was moved XXXX times due to property mismanagement and maintenance failures. These moves were beyond my control, yet I am being charged without justification. 
XXXX XXXX : My final unit was professionally cleaned, making any " cleaning '' or " make-ready '' charges highly questionable. 
Failure to Provide Documentation : Despite written requests sent via certified mail, they have not provided a lease agreement, payment history, or an itemized statement justifying the {$2400.00} charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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 am filing this complaint against XXXX XXXX XXXXnd the credit bureaus Equifax for reporting inaccurate, inconsistent, and unverifiable information in my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question has multiple discrepancies across the three major credit bureaus : Inconsistent account details : Equifax XXXX XXXX report the account opened on XX/XX/XXXX, but XXXX reports XX/XX/XXXX ( discrepancy ). 
Equifax reports " 0 months '' as the loan term, while XXXX XXXX XXXX report 72 months ( inconsistent ). 
Incorrect balance reporting after repossession : XXXX XXXX  repossessed my vehicle on XX/XX/XXXX, but has not yet sold it. 
Despite this, credit bureaus continue reporting a balance, violating UCC 9-610 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
Failure to update the dispute status : Equifax marks the account as disputed, but XXXX XXXX XXXX fail to mark it as disputed, violating 15 U.S.C. 1681s-2 ( b ). 
Misleading reporting affecting my creditworthiness : XXXX reports " Voluntary Repossession, '' while Equifax lists " 120 Days Late. '' This contradicting information violates FDCPA ( 15 U.S.C. 1692e ( 8 ) ), which prohibits false or misleading representations in credit reporting.

Failure to notify all credit bureaus of corrections : If the account is corrected or removed by one bureau, XXXX is legally required to notify the others under XXXX XXXX. XXXX ( a ) ( XXXX ) ( D ), which they failed to do. 
I have disputed this information with the credit bureaus and XXXX XXXX, yet they failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681XXXX. Their failure to verify, correct, or remove the inaccurate data has resulted in damages to my credit profile, affecting my ability to secure financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of XXXX. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days

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 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I called today XX/XX/XXXX regarding the {$2700.00} balance. It was about {$1100.00} until interest was added XX/XX/XXXX in the amount of XXXX. 

XXXX XXXX  today I called and requested a settlement amount or payoff amount. I was told by the agent that she requested to see if I was eligible for assistance but was denied. She then offered a number to a debt relief center to seek debt counseling options. 

Immediately after I contacted Synchrony via there chat and was told to try again in XXXX to see if I was eligible, and advised that a payment plan was already in place. Since a payment plan is in place the account has been closed. I asked who I could speak to about paying off the account and was told to call customer service. 

XXXXXXXX XXXX I called customer service again and was transferred to an agent in collections named XXXX. I was told they do not offer payoff arrangements and that she can not tell me why I was not eligible for a settlement amount. I was told several times by several people they could not send me in writing the terms of the account or the terms of the assistance program. XXXX advised she would request to have the letter that regarding the Assistance Program resent.

At this time my only options are to pay the full amount, keep making the payments, or call everyday hoping to become eligible for the settlement amount. I can not afford the full {$2700.00} but I can negotiate something to get this account paid and closed for good. The account was already closed on the companies end when they attached the interest. 

The practices seem shady and unethical. Why can't you show me what I " signed up '' for? Why can't you tell me why I'm not eligible for a settlement amount? What can't you send me a copy of the terms or the contracts? I feel as though I am in a pigeonhole.

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 2025-02-25 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: MA

Complaint narrative:
I pay off XXXX XXXXXXXX for about three month now and it still show on my Experian report as not pay

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 2025-02-25 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: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights.

EQUIFAX 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  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX has XXXX my rights. 

I looked at my TransUnion Equifax Experian credit report on 02/25/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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