vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: OH

Complaint narrative:
I do NOT have an account with XXXX XXXX XXXX XXXX XXXX  Fact, affint is aware and has proof already from prior documentation of consumer laws, that XXXX XXXX is in violation of of 15 US CODE 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of ANY debt. I did not authorize any of the inquiries on my credit, and have no knowledge of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US CODE 1681I ( A ) ( 5 ) ( A ) ( I ) ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. THERE WAS NO CUMMUNICATION OR CONSENT, THEREFORE THESE MUST BE DELETED.

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 2024-04-30 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: FL

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect late payments on the account listed as XXXX XXXX XXXX  for the month of XXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
XXXX, Experian, & XXXX continue to report incorrect late payments on the account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-04-30 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have spent the past 6 months building my credit very carefully. I have all my credit cards on auto payment and check balances frequently. I have been working hard to improve my credit with the specific Inention of taking out a construction loan to fix damage to my house so my fiance and I can have XXXX as soon as we get married. We planned to take the loan out in the next few weeks and have everything from the bank to contractors and paper work in order. I noticed on XX/XX/XXXX that my credit had dropped XXXX. I had been watching expecting an increase in my score as I had just paid down my only high balance credit card for my business. I saw that my score had instead dropped, and I immediately contacted XXXX credit agency to get a report and find out what happened. The report showed that Santander had sent in a notice of delinquency for {$82.00} on a {$5000.00} line of credit I hadn't used in 6 months, and which had a {$0.00} balance. They claim that I owed {$12.00} per month for 6 months which made the total {$82.00}. My online portal shows I have a {$0.00} balance and no payments due or past due. I contacted my branch manager and she confirmed that she saw no balance or payments due on her end either. She also stated that a monthly fee for access to a line of credit with no balance makes no sense and she'd never heard of it. I have had this line of credit since XXXX, and 6 personal and business bank accounts for over 25 years, and never had any fees beyond principle and interest. She has contacted corporate for me and filed a complaint however they have not responded. Santander never notified me I had fees for just having the line of credit. They never notified me I had a balance, late fees, overdue balance or would be sent to collections. I have never recieved and email or letter disclosing any of these things. I personally noticed the credit drop and investigated. They are acting maliciously, with predator and nefarious tactics intended to leave me unaware of the situation which has directly damaged my credit, my ability to get the house loan, and my life. They have made no efforts to communicate with either myself of the bank manager and have not responded to any attempts to communicate with them or resolve this. I have no files currently to share as Santander Corporate as of now has refused to respond. I do have my credit report from XXXX showing my positive credit history and my bank managers statements of XXXX am being XXXX XXXX  treated and that there's no way I could have known I had a best which she believes is in and of its self incorrect as well. I have attached a screen shot of my online bank portal showing I have a {$0.00} balance and nothing due.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-30 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: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
LATE PAYMENT LETTER Date XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau : XXXX Credit Bureau Address : XXXX XXXX XXXX, XXXX, GA XXXX Dear, XXXX I got a copy of my credit report and I have found the following items listed below to be in incorrect. As I do know my consumer report and will take legal action if not fixed within 30 days Pursuant to 15 USC 1666b 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 NEVER gave You, Credit Reporting Agency OR ( { creditor_name } ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 
You, CREDIT REPORTING AGENCY, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT ADDRESS : XXXX XXXX XXXX, WI XXXX I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, Your Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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 ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: MI

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> Unauthorized account on my credit report. I demand this get removed XXXX XXXX XXXX XXXXamazon bank XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX Unauthorized account on my credit report. I demand this get removed CBNA bank XX/XX/2024 XXXX/amazon bank XX/XX/2024

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
On approximately XX/XX/XXXX I opened a new Capital one credit card on. XX/XX/XXXX I made a full balance payment of {$290.00}. on XX/XX/XXXX That payment was returned and having a notation of " return mobile h. XXXX XXXX XXXX XXXX. I contacted capital. One explained to them, the situation. the representative told me that it's possible The card had just been activated and therefore may need a day or 2 and to try the payment again in 2 days. I contacted my bank to see if they had any information regarding this payment they did not. They hadn't seen a payment Come through my account. They verified the balance on my account. And they said there should be no issues using this account to make a capital One payment seeing that I pay my wife 's capital One card from the same account. I attempted the payment 2 days later for XXXX XXXX, the balance on XX/XX/XXXX. It was returned again. today I received a letter in the mail claiming that my payment was due XX/XX/XXXX. So I called Capital One once again to find out what the issue was. They informed me that my account had been closed XXXX XXXX. ID number FB J994 said that it had been closed because of an executive decision of 2 close together returned payments. I informed her that there was no issue for the payment. And it also told her about my wife 's account. And how I pay that with the same bank account? She said that there was nothing they could do, that closed accounts Don't get reopened and that they closed it Because I had been in violation of our user agreement, indicating that a returned payment would lead to a closed account. I told her that the only reason I even attempted the second payment, which was why she said specifically, the decision had been made to close. It was because of the second return payment and that the representative instructed me to put the payment through again. I told them. I would never have done this. I would have tried a different bank account. now i have a credit card that was open for one month, then closed. Showing up on my credit report. It is not something I want to have on there. And at very least, I would just like the notation taken off the account without a negative impact. This has nothing to do with anything I've done wrong. I was advised and followed the direction of Capital one to make the second payment. Which is the reason why it was closed and why any negative impact will be held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
Equifax is the issue Ive been reaching out to them since XX/XX/XXXX concerning inquiries on my credit report Ive sent documents proving my identity and a statement on the inquiries thats on my report they said to reach out to those companies I have no knowledge of also stated to them Im going through identity theft my information was exposed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nothing has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
Experian is reporting and has been reporting a XXXX XXXX XXXX  Charge off for years. I have repeatedly advised them that this account has been charged off. I received a 1099C that has been accepted and filed on my tax return as income. Per the IRS publication 4681, reported ordinary income which can not be reported on a consumer credit report. Experian still is reporting it and states the account has been verified. This I know for a FACT is a lie because I sent them proof of the 1099c. If they did verify they would have validated my documentation. I am so over them and their lies to ruin honest working people.

I have sent them my 1099C as proof and the account still remains over a year ago and massive damage to my credit report. I have also requested they show proof of how they verified the debt and I have not received that information either.

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 2024-04-30 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: NY

Complaint narrative:
Hello on XX/XX/ I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-04-30 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 fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit

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 2024-04-30 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank has failed to remove a Hardin grief from my credit report that was erroneously placed.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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