vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am contacting you regarding an incorrect report on my credit profile concerning my mortgage account with XXXX XXXX XXXX XXXX. After a recent review of my [ XXXX, XXXX, or TransUnion ] credit report, I noticed late payments recorded that do not align with my payment history and the terms of our agreement. THE FTC TOLD ME YOU GUYS HAVE TO FIX IT AND This misinformation is connected to my name, XXXX XXXX XXXX, and the following account : Account Details : Creditor : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$330000.00} Highest Balance : {$340000.00} Monthly Payment : {$2900.00} Account Opened : XX/XX/XXXX Term : 360 months Current Payment Status : Current Worst Payment Status : XXXX Days Late On-Time Payments : 71 % Times XX/XX/XXXX Days Late : XXXX Creditor Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX XXXX : XXXX XXXX ) XXXX I have consistently maintained this account in good standing, yet there is an erroneous record of late payments, which severely impacts my credit profile and harms my future financial and professional opportunities. This error is damaging to my financial stability and creditworthiness and undermines my ability to secure favorable loan terms and employment.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are permitted to disclose consumer information only with the written consent of the consumer. I have not authorized the inclusion of inaccurate late payment data on this report. Additionally, FCRA 1681 ( a ) ( 2 ) ( A ) ( i ) provides exclusions to certain disclosures, clearly delineating cases where information should not be part of a consumer report.

I demand that these late payment records be deleted or corrected on my report within four business days. Please notify me promptly upon completion of this correction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
XXXX placed a collection account on my credit report on XX/XX/XXXX. I responded by sending an FTC identity theft report because I don't have a contract with XXXX. XXXX responded by stating they were assigned an alleged debt of mine by XXXX XXXX. I never received any mail from XXXX XXXX or XXXX in regards to an alleged debt. Where is the proof a letter was mailed to me? There should be proof of delivery for the notice of assignment and my right to dispute an alleged debt as a consumer. Also, in accordance with the FCRA 15 USC 1692g, I'm requesting the following legal documents : XXXX. Your lawful authority to collect without my consent or XXXX. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and Absolute Resolutions Corporation with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. XXXX. Proof that you have the chain of title to collect on this debt. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal action against Absolute Resolutions Corporation. Under the FDCPA, you are required to provide me with proper validation of any debt that you are attempting to collect. A bill of sale between you and the original creditor and account statements does not legally bind me to pay you an alleged debt. Your failure to do so is being documented and will be forwarded to my legal representation. Please note that there was a XXXX judgment levied Portfolio Recovery Associates from the Consumer Financial Protection Bureau for misleading and deceptive practices, illegal tactics, negligence, and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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. 


XXXX XXXX TRANSUNION 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 non-monetary relief
Consumer complaint received 2024-11-15 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: PA

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN 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! 


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 2024-11-15 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: MI

Complaint narrative:
XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, and XXXXXXXX XXXX XXXX These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile. 

Identity theft credit accounts XXXX XXXX XXXX XXXX Opened date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Opened date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MI

Complaint narrative:
XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX  data XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXXXXXX XXXX XXXX. These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile. 

Identity theft credit 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 XXXXXX/XX/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 2024-11-15 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: GA

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My previous complaint, which was documented very well and even provided the latest certified letter, all attachments, and proof of delivery, was met with a letter from Equifax that said that my dispute about my name was valid. I still do not have access to my credit file. Can I file a federal lawsuit for their failure to validate the complaint properly?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: WI

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a complaint against Bank of America for returning a payment for non-sufficient funds. First, Upon further review of my account, there was enough money in my checking account to cover the payment. Second, I have overdraft protection turned on, which virtually eliminated the problem with non-sufficient funds ( NSF ). Third, Bank of America did not communicate with me in a timely manner or at all about issues. They have not been proactive with their communication.

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 2024-11-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I HAVE NO ACKNOWLEDGEMENT OF THESE ACCOUNTS THEY ARE FRAUD Commercial Card XXXX XX/XX/XXXX XX/XX/XXXX Other {$1400.00} {$1400.00} Suspended or Closed Commercial Card XXXX XX/XX/XXXX XX/XX/XXXX Other {$11000.00} {$11000.00}

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 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
After reviewing my credit report, I noticed a delinquent account reported by Caine & Weiner Company, account number XXXX. On XX/XX/year>, I mailed a letter requesting competent evidence of any legal obligation to pay this debt. To date, I have not received an adequate response addressing my concerns. 

In my letter, I requested the following information to validate this debt : Details of the debt Including the specific amount owed and any associated fees.

Calculation breakdown An explanation of how the claimed amount was determined.

Documentation of agreement Copies of any contracts or agreements demonstrating my obligation to pay.

Verification of judgment A copy of any applicable judgment, if relevant.

Original creditor information Clear identification of the original creditor.

Statute of limitations confirmation Proof that the debt remains legally enforceable.

Licensing proof Evidence of your license to collect in my state, including your license number and the name of your registered agent or agent for service of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I was notified that my account was restricted on XX/XX/year>. I called immediately to find out what the issue was. I explained that I needed my account unfroze due to needing to pay bills and pay for medication. This the second time account was frozen in two weeks. No answer were given to explain issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
My account with EQUIFAX 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. 


EQUIFAX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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:
Fraud happened to me and none of the activity and inquiries that are showing up on my credit profile have not been authorized by me. Im experiencing some level of fraud. Also, I have old settled debt being sold to new companies and re-reported on my credit. I need these accounts whether they are credit accounts or, any other type as well as inquiries removed. Divisibility of these erroneous increase and other things is against the law and breaking my legal rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
Fraud happened to me and none of the activity and inquiries that are showing up on my credit profile have not been authorized by me. Im experiencing some level of fraud. Also, I have old settled debt being sold to new companies and re-reported on my credit. I need these accounts whether they are credit accounts or, any other type as well as inquiries removed. Divisibility of these erroneous increase and other things is against the law and breaking my legal 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