vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-08-02 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:
My accounts 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 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 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 2024-08-02 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: CIG FINANCIAL LLC
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by CIG FINANCIAL LLC . The charge-off in question is inaccurately reported and should be deleted. My complaint is supported by relevant case law that highlights the inequitable nature of the continued reporting of this charge-off.

Creditor Name : CIG FINANCIAL LLC Account Number : XXXX Amount : {$18000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) : In this case, the court held that it is inequitable to allow a creditor to belatedly enforce an alleged debt after it received a tax benefit from the charge-off. The creditor 's continued reporting of this charge-off, after receiving a tax benefit, is similarly inequitable in my situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The issuance of Form 1099-C after the debt was written off is considered " prima facie evidence '' that the debt has been discharged by the creditor. This creates an issue of fact that should prevent the continued reporting of the charge-off on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : The court ruled that it would be inequitable to require the defendant to report the discharge of a debt as income on his federal tax return while allowing the plaintiff to continue holding him liable for the debt. Similarly, it is inequitable for [ Creditor 's Name ] to continue reporting this debt as a charge-off on my credit report.

Based on the aforementioned case laws and the inequitable nature of the continued reporting of this charge-off, I respectfully request the following : Immediate deletion of the inaccurate charge-off from my credit report. 
Notification of the deletion to all major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Written confirmation of the actions taken to resolve this matter. 
Supporting Documentation : I have attached my consumer credit report showing the inaccurate charge-off I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure the deletion of this inaccurate charge-off from my credit report. The continued reporting of this charge-off is inequitable and unsupported by relevant case law. 
Thank you for your prompt attention to this matter. Please feel free to contact me if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
My accounts 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 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 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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a credit card opened with Chase Bank. Around XXXX on XXXX, I received two emails from chase saying I they had received a replacement card request and it will be delivered within XXXX business days. However, I did not make this request. So, I called Chase on XXXX and they verified my ID over the phone. Chase told me someone impersonated me over the phone and was able to access my account and add an authorized user in my sisters name. Again, I did not do this. Chase was able to cancel the fraudulent replacement card and send me a new replacement card. Also, they were able to tell me where the address of the fraud replacement card was being sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any XXXX  party for this matter and represent myself by myself. I'm sending this complaint because Equifax Credit Bureau is reporting hard inquiries on my report that I have not give consent for and they are result of fraud ; I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the XXXX. 
On XX/XX/XXXX I have submitted my complaint against Equifax regarding hard inquires on my report that I have never authorized, and Equifax Credit Bureau HAS RESPONDED BACK to me on XX/XX/XXXX that next HARD IQURIES WERE DELETED : XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX. 
AS OF TODAY XX/XX/XXXX I SEE THESE HAD INQURIES ON MY CREDIT REPORT, that being said, EQUIFAX RESPONDED TO CFPB AS THEY DID CORRECTED MY CREDIT REPORT AND THEY DELETED ITEMS THAT HAVE BEEN PLACED BY FRAUD BUT EQUIFAX DID NOT DELETE THEM and these ITEMS STILL ON MY CREDIT REPORT FROM EQUIFAX. IT IS A VIOLATION OF FCRA LAWS AND MY RIGHTS AS A CONSUMER. 
The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. XXXX is reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report. 
I HAVE ALSO ATTACHED A COPY OF MY FTC REPORT THAT I HAVE FILED ON THAT TIME IN XX/XX/XXXX so YOU CAN SEE THESE INQURIES THAT EQUIFAX SAID HAVE BEEN DELETED BUT THEY ARE STILL THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
Due to XXXX  I have been unable to make my payments and had to skip XXXX  of them. But I have been making regular payments since then. I tried to make a payment on XX/XX/year> and their automated system and the online system wouldnt let me make a payment. I then called and spoke to someone who was ready to accept my monthly payment but advised me that I wasnt going to be current which I knew. I was then transferred to a. Supervisor because I wanted to make sure that the system was unlocked so I could make payments as before on the phone. The supervisor refused to accept the payment I was about to make and refused to unlock the system. He stated that unless I could make the entire payment amount he would not accept any payment and ended the call. Instead of allowing me to make the regular monthly payment and stay XXXX months behind he instead refused my payment and preferred to move toward foreclosure.

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was booking a room online for XXXX XXXX XXXX XXXX. At the payment page to confirm the room, XXXX credit card offer from Chase came up stating " upto {$300.00} statement credit '' if approved for the card. I chose to apply for the card by clicking the link, completed the application process and was instantly approved for the XXXX XXXX Rewards card with {$150.00} statement credit instead of {$300.00}. Upon further diligence, I realized that {$300.00} statement credit is available for the Premier card with annual fee whereas {$150.00} statement credit is available to Rewards card with no annual fees. However, I was never given a chance to select a card between these options or made aware and whether I want to accept the card with the fact that I will not get {$300.00} statement credit. I called the customer service ( even though a number of not provided to resolve any issues ), and the complaint was taken and was told to give about 3 weeks. Now I have received a credit card statement ( upon spending at least {$300.00} on the card -- which was condition to get {$300.00} statement credit ) and it shows statement credit of {$150.00}. Upon inquiry again with the credit card issuer, Chase Bank, I am told that escalation review is complete and that I will not be able to get full {$300.00} statement credit. I believe the online representation is highly misleading and designed to avoid presenting choices in order for consumers to be able to select appropriate cards ( with and without annual fee but with {$300.00} and {$150.00} statement credits respectively ) and just luring them in to applying for " the '' card. I would not have applied for the card had I known that I would be forced into getting only {$150.00} statement credit and basically had no chance to get {$300.00} statement credit in the way the card application process worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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 accounts 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 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 non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
I purchased a Visa gift card a few days ago, loaded with {$500.00}. When I tried to use it, it didn't work. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy/paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times, several cards will decline, and will not work even with future attempted purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our bank account with Truist bank has been hacked. In the past few months Truist reimbursed us a check for {$3000.00} that the hacker XXXX XXXX Truist paid to the hacker {$7000.00} through a credit card to XXXX XXXX XXXX, then they reimbursed us., Truist bank paid the hacker {$15000.00} and {$1200.00} ( a stolen check ). 
They do not want to refund us this money. Truist bank can not pick and choose what hacking they want to refund..All this is on a business bank account under the name of XXXX XXXX XXXX XXXXXXXX. This is a lot of money for us and we can not afford to loose it..We are XXXX and XXXX XXXX XXXX and our health has been terribly affected by all this ordeal. 
Please, can you help us? Thanks

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 2024-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see my attached Notice to file Suit, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have 24 hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with XXXX proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my 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 2024-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see my attached Notice to file XXXX, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have XXXX hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with XXXX proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my 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 2024-08-02 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: FL

Complaint narrative:
I submitted a complaint via the CFPB to Equifax in XX/XX/year>, regarding inaccuracies on my credit report. Equifax responded, claiming they had deleted XXXX XXXX XXXX and XXXX from my reports. However, these accounts continued to appear on my report. In XX/XX/year>, I filed another complaint about this issue, and Equifax assured me that these items were not on my report. Despite this, when I reviewed my credit report, the items were still present. On XX/XX/year>, I called Equifax, and they informed me that they have no record of my complaints and confirmed that these accounts remain on my profile. This ongoing issue seems to constitute an FCRA violation due to Equifax 's failure to correct the inaccuracies and maintain accurate records.

Company response to consumer: Closed with non-monetary relief