vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
My account with XXXX XXXX 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 in XXXX to be removed. 

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 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Bank of America XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX Claim Number XXXX claim amount : {$1500.00} Dear CFPB Complaints, XXXX XXXX XXXX XXXX, am asking for help to resolve my existing claim number XXXX reconsideration of submitted additional information describing the transaction to support the claim dispute with written documentation for more evidence. 
I wish to make a complaint to receive the payment for {$1500.00} resolve of the claim number XXXX dispute of charge of {$1500.00} to my XXXX Bank of America Prepaid card account ending XXXX on the date XX/XX/year> at XXXX PM by the XXXX XXXX  Bank of America that posted in error because it is an unauthorized double debit. I did not make or give permission to use my account. My Bofa prepaid card was not lost and the transaction was not fraudulent. The invalid double debit is exactly the same as the valid debit of {$1500.00} teller withdrawal earlier at bank XX/XX/year> at XXXX PM posted on my account history XX/XX/year>

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 2024-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: IL

Complaint narrative:
I'm a victim of fraud related to several transactions at ria Money location in XXXX : XXXX XXXX, XXXX XXXX XXXX. 

The transactions in question are as follows : XX/XX/XXXX : Transaction ID : XXXX Amount : {$1500.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$980.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$500.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$1300.00} USD Recipient : XXXX XXXX ( XXXX ) Background : on XX/XX/XXXX, my friend XXXX XXXX, who resides in XXXX and was visiting XXXX, informed me via email that she had been robbed. Her phone, cash, and credit card were stolen. I sent the above payments to her location in XXXX using Ria Money Transfer to assist her. The understanding was that she would reimburse me upon returning to XXXX. 

However, when I followed up with XXXX to pay me back, she claimed that she did not know about these transfers. She asserted that her email had been hacked, she was not the person communicating with me via email and that she did not receive any funds and her identity was stolen. In addition, she did not travel to XXXX. 

I contacted ria money in the US who forwarded the proof of payment receipts from XXXX with the following ID information : Recipient Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Issue date : XX/XX/XXXX Issuing country : XXXX I noticed From the proof of payments I received from ria money that the beneficiary was paid by providing an XXXX XXXX ( XXXX ) as an Identification. This scam could have been avoided if ria money had followed its verification process that requires a valid identity document such as a passport, driver 's license, national identity card, or residence permit card ( as stated on their website when verifying customers in XXXX ). ria money failed to adhere to their verification standards by paying someone who presented an XXXX XXXX, even though this document is not listed as an acceptable form of ID. 

I'm requesting that ria money take responsibility on this for not following the payment regulation process on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX, XXXX, and XXXX have persistently misrepresented the records for the adverse debt collection account belonging to the principal, XXXX XXXX XXXX. The account transactions constitute income, as evidenced by the 1099-C received from XXXX, XXXX, and XXXX attached to this complaint. Despite attempts to rectify this with XXXX, XXXX, and XXXX, the agencies have disregarded the principal 's rights and persist in reporting inaccurate information without the principal 's consent. This has resulted in erroneous credit scores and denials of credit applications for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and XXXX have persistently misrepresented the records for the adverse debt collection account belonging to the principal, XXXX XXXX XXXX. The account transactions constitute income, as evidenced by the 1099-C received from XXXX, XXXX, and XXXX attached to this complaint. Despite attempts to rectify this with XXXX, XXXX, and XXXX, the agencies have disregarded the principal 's rights and persist in reporting inaccurate information without the principal 's consent. This has resulted in erroneous credit scores and denials of credit applications for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NJ

Complaint narrative:
There is a credit acceptance voluntary repossession remark on my Experian report that is inaccurate.I spoke to the lender ( credit acceptance and they stated that I have no voluntary repossession the account was paid off. XXXX and XXXX already removed this remark Experian still hasnt.I am asking for this remark to please be removed.

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 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
This started around a year ago if not a little more. Calls came in from spam likely and the representatives refused to identify themselves just that they were collecting a debt. I've referred to how they've attempted to collect this as mafia-esque tactics due to how ridiculous it's gotten. 

After telling them to get bent because they refused to identify themselves I didn't hear from them until very recently when I got a letter stating that a default judgment has been made in a case against me. They state that because a roommate ( whom I have no relations to at all and additionally was in the process of trying to settle legal action against ) accepted a document and then proceeded to never tell me about or give it to me that I have been served. 

When presenting the very obvious argument that when it comes to taxes a " household '' defines the FAMILY that lives with you, I do not file taxes and include my roommates as my " household '' so they should not be able to accept legal documents in my behalf. The wording of the law regarding serving paperwork is very clearly intended to state that it can't be handed to someone's XXXX XXXX XXXX child. It has to be an adult who is part of the household and therefore a reliable party to deliver the paperwork to. A random roommate does not fit that criteria. 

Since then I've been in continued contact with their lawyers who repeatedly tell me everything is just my opinion and they're following the rules to a T ( allegedly ) so there's nothing I can do unless I want to find a lawyer and navigate through the legal system to push back. 

The lawyer then eventually decided to stop emailing me despite my stating I wanted to keep communication digital following his refusal to pull up a previously recorded phone call. He claims that he remembers exactly what was said so there's no need to. In the same conversation he stated that he has a lot of conversations and can not remember every detail of every conversation which was what prompted the request for a call review to begin with. 

They've refused to escalate my case, and just continue to make it seem like they'll ruin my life over a couple of XXXX dollars. 

From the beginning I've maintained that I'm perfectly willing to make a payment offer, but I want to validate they own the debt and get a clear amount of what's owed as they state they have multiple accounts and the 240 page document nowhere seemed to state clearly " this is the amount you owe us ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: AL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
The credit reporting agencies have asserted that these accounts underwent thorough investigation and were verified as accurate. However, this assertion conflicts with the multiple inaccuracies clearly evident on my credit report. 

As a consumer, I am deeply concerned and request a detailed explanation of the steps your agency undertook to ensure the accuracy of these items, as mandated by 15 U.S.C 1681i ( 7 ) Method of Verification. It is perplexing and frustrating to see discrepancies persist despite your confirmation of verification. 

I urge you to provide me with comprehensive documentation outlining the specific methods and criteria used in the verification process. I expect transparency and accountability in accordance with the Fair Credit Reporting Act to resolve these ongoing issues promptly. 

Please address these concerns promptly and provide me with a clear path forward to correct these inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have had my Chime Credit Builder Card since XXXX with no issues. Chime claims to send balance and payment history monthly to all three credit bureau 's. I noticed on my XXXX credit report that my payment history has not been updated in 6 months ( XX/XX/XXXX ). I contacted Chime, and they informed me send information monthly to all three credit bureau 's, to contact XXXX. XXXX claimed they haven't received any information to update, and suggested I file a dispute. I file a dispute on the account with evidence account information has not been updated in 6 months. Chime 's response was " the information is correct. '' Which it is not. After XXXX I found there are multiple users with this issue. I e-mailed them, explaining the information was in fact not correct, with the screen shots, and they once again suggested to contact XXXX. They advertise that they report, when in fact, it seems they have stopped that effective XX/XX/XXXX for multiple customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Was working with a debit consolidation company and my Mortgage company. When we noticed a debt and a company name we did not have before or recognize. Upon calling the company in question they did verify they had a debt with us but no further information was given or offered as to. Why or other reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: MI

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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:
I am writing to formally dispute three inquiries listed on my credit report that I believe are not mine. Upon reviewing my recent credit report from XXXX and Transunion, I noticed the inquiries that I did not authorize

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 2024-07-05 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: NC

Complaint narrative:
My account with XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history with XXXX 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 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 in months that are reported late to be removed.

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 XXXXXXXX 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! 

Delete 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 2024-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
I moved out of " XXXX XXXX XXXX XXXX '' in XXXX of 2023, they never notified my guarantor of move out charges against me. Their description of the charges was vague and the pictures they provided as proof were so low quality that you could barely see what was in the pictures at all. My father ( the guarantor ) and I have filed a complaint with the NC DOJ against " XXXX XXXX XXXX XXXXXXXX '' due to predatory practices which are well documented from other former residents in their reviews. My father nor I are able to be accepted into apartments now due to these charges. We need this " collections '' mark on my credit to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-07-05 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: MI

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, account opened at XXXX XXXX on XXXX XXXX under account number XXXX, account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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