vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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:
Regarding my XXXX credit card account - XXXX, on XX/XX/year>, I spoke with XXXX at XXXX XXXX customer service department. I explained my account was never late and it had been paid in full and closed. I informed XXXX the account was showing as unpaid due to the continuing accrual of unpaid interest every month, but the account had been closed/paid and this was in error. XXXX reviewed the account and agreed that the monthly interest accrual was indeed in error. She corrected everything regarding the account, as far as the late fees and interest accrual along with updating the " Late '' status of the account in XXXX 's account computer system. XXXX said she would send an " Adverse Action Letter '' explaining the incorrect reporting status of this account to all 3 credit reporting bureaus. However, after XXXX days following this corrective action by XXXX XXXX and submitting the account status update letter to the 3 reporting bureaus, all 3 of my credit reports are still showing as being either 120 days/150 days late for this account. Would you please contact the 3 reporting bureaus and have this late status corrected/deleted and then have the account status updated to paid-never late for all 3 reporting bureaus. Thank you or your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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:
Regarding my XXXX credit card account - XXXX, on XX/XX/year>, I spoke with XXXX at XXXX XXXX customer service department. I explained my account was never late and it had been paid in full and closed. I informed XXXX the account was showing as unpaid due to the continuing accrual of unpaid interest every month, but the account had been closed/paid and this was in error. XXXX reviewed the account and agreed that the monthly interest accrual was indeed in error. She corrected everything regarding the account, as far as the late fees and interest accrual along with updating the " Late '' status of the account in XXXX 's account computer system. XXXX said she would send an " Adverse Action Letter '' explaining the incorrect reporting status of this account to all XXXX credit reporting bureaus. However, after XXXX days following this corrective action by XXXX XXXX and submitting the account status update letter to the 3 reporting bureaus, all 3 of my credit reports are still showing as being either 120 days/150 days late for this account. Would you please contact the 3 reporting bureaus and have this late status corrected/deleted and then have the account status updated to paid-never late for all 3 reporting bureaus. Thank you or your help 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of 2024, a check was sent to me for XXXX. I deposited the check to my account and after the hold period began to use the funds. Several days later i was informed that the XXXXXXXX XXXX on which the check was written declined the check due to what they termed fraudulent activity. As a result the check was denied on my account. However, we had already used {$15000.00} of the money. We requested to be refunded this amount due to the check being fraud. I was informed that this was denied because i had deposited the check not someone else.

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 2024-10-04 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: PA

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: MD

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 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed hard on my report from XXXX XXXXXXXX i never gave XXXX XXXX permission to run my 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 non-monetary relief
Consumer complaint received 2024-10-04 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:
I noticed hard on my report from XXXX XXXX i never gave XXXX XXXXXXXX permission to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 



I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
-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 2024-10-04 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccuracies and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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 when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email fraudulent accounts. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
Creditor Name : XXXX XXXX XXXX  - Account Number : N/A Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX - Account Number : XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 explanation
Consumer complaint received 2024-10-04 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 US

C 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 2024-10-04 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: EQUIFAX, INC.
State: PR

Complaint narrative:
After making my monthly review of my XXXX Report and viewing my Credit Score. I find EQUIFAX is violating my rights as a consumer by improperly reporting a number of items that should be excluded from my consumer report. Your company EQUIFAX is reporting an ADVERSE ACTION on a few line items listed on my Consumer Report. The accounts or line items are listed below. 
I am making the following complaint and dispute against EQUIFAX on the basis of violating my rights as a consumer by reporting on my consumer report an ADVERSE ACTION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US CODE 1681m ( b ) ( c ). A line item listed on my consumer file as an ADVERSE ACTIONS or OLDER DEROGATORY EVENTS under section or line item 2 YEAR HISTORY, LATE PAYMENTS 30 day past due, 60 day past due, 90 day past due and 120 day past due Your company EQUIFAX is in direct violation of 15 US code 1681m ( b ) ( c ) Requirements on Users of Consumer Reports,15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for EQUIFAX to report my transactions or experiences between me ( the consumer ) and several accounts ( The person or persons making the report ). However, the accounts listed below ( The Person making the report ) has reported to EQUIFAX my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to EQUIFAX and by EQUIFAX on my consumer report. A consumer report by EQUIFAX listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from the listed accounts reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding ADVERSE ACTION as it is described regarding EXCLUSION pertaining to TRANSACTIONS or EXPERIENCES. My complaint against EQUIFAX does meet the standard set by 15 US CODE 1681m Requirements on USERS of Consumer Reports, 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EQUIFAX remove the Consumer file listed as 2 YEAR HISTORY, OLDER DEROGATORY EVENTS 30 day past due, 60 day past due, 90 day past due and 120 past due and LATE PAYMENTS with accounts listed from my Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I paid a portion of my bill in XXXX XXXX and XXXX paid the reminder of the loan in full on XXXX XXXX and my account was still reported as 30days late during that process I get 15days to be consider late and my account shouldnt been consider 30days after my due day which is the 16th of every month

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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I requested a cashier 's check from Ally bank to issue from my checking account on Saturday, XX/XX/XXXX in the amount of {$7000.00}. Money was taken from my account on Monday, XX/XX/XXXX with a fee for a guaranteed 2-3 business day delivery. I called Wednesday, XX/XX/XXXX because I had not received the check, it had not yet been shipped, I called again Friday, XX/XX/XXXX and the check has not yet been shipped. They refuse to give me an answer as to why, they will not return my phone calls and I am kept on hold for XXXX minutes waiting to speak to someone and no one comes to the phone. They refuse to provide tracking information or confirmation of the check being sent.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I was sent an Avant cc, I never called to activate the card, I've never used the card and they keep sending me emails that I have overdue balance and has even been sent to my credit report. On the phone they tell me it's resolved as fraud, yet the balance keeps going up. I've asked them to close this fraudulent account and they keep sending me new cards, none of which I've activated or will ever use. They are a very fraudulent company and no one is talking care of my problem. I've never used any card period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 2024-10-04 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: OH

Complaint narrative:
a paid account that closed my account still reporting error of payment, i paid them to zero, and still reporting a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NY

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

Company response to consumer: Closed with explanation