vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
My account with XXXX XXXX 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 me 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.

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 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 2024-08-06 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: IL

Complaint narrative:
My account with XXXX XXXX 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 me 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.

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
Dispute the identity fraud and they stated that they verified it. 

They continue to report the disputed XXXX XXXX XXXX # XXXX account that does not belong to me on my report. 

I need to see the documentation they used to verify otherwise I will consider legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
Dispute the identity fraud and they stated that they verified it. 

They continue to report the disputed XXXX XXXX XXXX # XXXX account that does not belong to me on my report. 

I need to see the documentation they used to verify otherwise I will consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I had an account with XXXX ( Credit Card ) this account was charged off on XX/XX/XXXX per the attached account summary. I've requested the XXXX from XXXX and received no responds. Then in XXXX of XXXX I started to received request for payment from a third party debt collector. Resurgent they claim that they manage the account for LVNV Funding LLC. I requested from Resurgent the following XXXX compliance Article XXXX : Clarity of Contract Terms and Article XXXX : Transparency of Debt Ownership along with FDCPA adherence Section XXXX ( b ) : Licensing and Registration, Section XXXX : Prohibiting Deceptive Misrepresentations and Section XXXX : Validation of Debts. What I received was XXXX account summaries both for the month of XXXX which is questionable, both summaries have a payment due date for XXXX XXXX but the Transaction Dates and Posted Dates are different. But it's clear that in XX/XX/XXXX the account was charged off for the full amount including finance charges that are almost the same amount of the actual charges. I should have received the XXXX to this date I've not received it. 
Then in XXXX XXXX XXXX sent a letter stating that this account was sold to Resurgent Acquisitions LLC on XX/XX/XXXX. XXXX had no right to sell my information to Resurgent and XXXX has no right to sell an account that they charged off back in XXXX of XXXX. This is unlawful XXXX charged off an account and then sold the account to a third party debit collector, XXXX received payment twice for this account, this is also IRS XXXX XXXX XXXX. Not to mention a violation of my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report. I provided all necessary documentation, including my identification, proof of address, and power of attorney, and sent it via priority mail. Despite this, the agency has ignored my dispute request, violating my rights under the Fair Credit Reporting Act. 

Furthermore, I received letters and emails attempting to coerce me into filing disputes online or over the phone. This interferes with my rights under the FCRA, which allows me to submit disputes via mail. These attempts to direct me towards online or phone disputes are not acceptable and further delay the resolution of my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report. I provided all necessary documentation, including my identification, proof of address, and power of attorney, and sent it via priority mail. Despite this, the agency has ignored my dispute request, violating my rights under the Fair Credit Reporting Act. 

Furthermore, I received letters and emails attempting to coerce me into filing disputes online or over the phone. This interferes with my rights under the FCRA, which allows me to submit disputes via mail. These attempts to direct me towards online or phone disputes are not acceptable and further delay the resolution of my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the date of XX/XX/year> I opened a checking and saving account at Truist bank. The bank told me to wait the to debit card on the mail. But before I even get the card some else got the card and the bank activated the card for them. When I ask the bank they told me to get a police report and I did and they deind the claim. Now I can't open any bank account anywhere else. Please help 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 explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: VA

Complaint narrative:
# XXXX On XX/XX/XXXX RENTDEBT AUTOMATED COLLECTIONS.LLC responded back a complaint I had submitted. On XX/XX/XXXX XXXX XXXX XXXX XXXX of Compliance for XXXX Automated Collection llc stating : Ms XXXX account was placed with RDAC for collections on XXXX XXXX with a balance of {$8600.00} Violations Section XXXX ( a ) ( I ) ( B ) XXXX ( d ) XXXX XXXX XXXX When this account was sent to XXXX the balance was XXXX XXXX XXXX also stated that on XXXX XXXX XXXX mailed a letter to her last known address : under section XXXX and it was not returned as undeliverable I vacated the until XXXX, XXXX XXXX no fix address homeless. 
Whoever, The program XXXX under which is XXXX XXXX XXXX XXXX have procedures, and one of the is the tenant has to make arrangements to continue the program : from XXXX XXXX I got in contact with rent debt automated. And riverside manor had my contact number and forwarding address And XXXX XXXX stated that on XX/XX/XXXX ms XXXX account was reported to ( XXXX ) major credit bureaus another violation This account was reported on XXXX XXXX And I was told that because I made payments arrangement this would not affect my credit. This account was placed on my account knowing it was inaccurate. 
Also the transaction date is inaccurate on bth letter XX/XX/XXXX and XX/XX/XXXX? 
I wasnt aware of my consumer right and nor where they exercised to me. I made a payment of {$120.00} that how the amount balance was {$860000.00} False accusations and misleading of consumer rights XXXX seeking damages and removal of this account from all credit reports bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
So this is what happened : I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
So this is what happened : I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have two personal credit cards with Barclays. On XX/XX/XXXX I used a convenience check to transfer a balance in the amount of {$25000.00} with a promotional 0 % APR until XX/XX/XXXX. This came with a balance transfer fee in the amount of {$1200.00}. Since then I have made regular minimum payments on the credit card, and paid the balance in full on XX/XX/XXXX, XXXX days before the promotional period expired. 

I have a second card with Barclays, that carries a 0 % APR promotional balance in the amount of approximately {$14000.00}. It has also been paid in regular minimum payments and is in good standing. 

On XX/XX/XXXX, Barclays issued two letters that I received on XX/XX/XXXX. Each stated that there was a change to my credit line, one letter for each card. Both credit lines were reduced stating the primary reasons for change : " Balances too high on revolving accounts '' and " Too many accounts with balances ''.

According to my credit report, I am only using 37 % of my credit, and that includes the two Barclay cards that have a high utilization from Barclay, only because of the promotional offer Barclay solicited to their consumers.

It is clear in my opinion that Barclay is punishing consumers that take advantage of their promotional balance transfer offers by reducing the credit lines of consumers who are holding high account balances because of their promotional offers. I firmly believe Barclay is intentionally damaging consumers by reducing their available credit so that 1 ) consumers are at a higher risk of exceeding their credit limit to solicit more fees from consumers, and 2 ) further damage the credit score of consumers by affecting their credit usage and utilization on 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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I believe Bank of America closed my account for the wrong reason. On XX/XX/year> ; I received a notice that my account balance was low, so I immediately thought maybe someone hacked my account. I called the bank 's customer service number and after talking to 3 different customer service agents, I was informed that my checking and savings accounts have been closed because i failed to update my information online. I know this is a bogus lie because, I logged in the account online and updated and confirmed my information twice litterally as soon as I found received the request to update the info. This is an account that was opened 14 years ago. Both accounts were closed without notice.

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one closed my credit card account then a month later closed my checking account, when i called in to ask why they said they dont know and that i will receive the reason in a letter sent to me. 
Never received one for the credit card and did receive a letter for the checking with no explanation and on the check for my left over balance from the closed account it says customer requested i never requested them to close my account All of my capital one account seems to be getting closed one after another with no explanation at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
I was previously with XXXX XXXX for my mortgage company. I got behind on my payments and was approved for a loan modification in XX/XX/XXXX. I paid the payments on time each month and completed it but then my loan was sold to Shellpoint Mortgage. All of the paperwork for the loan modification were signed and returned to XXXX XXXX so when I talked to someone at Shellpoint, I was told they didn't get all of that and the loan modification should be completed by the end of XX/XX/XXXX. Each month I would call and make my payments and was told that it wasn't completed yet and they apologized for it taking so long. In XX/XX/XXXX I was informed I needed to pay almost XXXX XXXX dollars and once that was paid, they would be able to complete it. I paid it and on XX/XX/XXXX I called to inquire and was told I needed to pay XXXX in order to complete the loan modification. In addition to all of this Shellpoint Mortgage has reported me monthly for defaulting on my loan so as I wait for them to do this my credit is decreasing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The name on my report is wrong and I would like for it to be corrected

Company response to consumer: Closed with non-monetary relief