vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2024-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) had emailed me a notice stating they will be the third party collecting a minor rental debt from XX/XX/XXXX of {$2000.00}. That same day, I contacted them and made a payment arrangement of {$170.00} per month and payments were due on every XXXX of each month. That same day, I made a payment of {$200.00} towards the principal balance and they stated the balance would be {$1800.00}. I never received a statement of the payments I made or the agreed written contract that I signed up for. On Friday, XX/XX/XXXX, I made a payment of {$200.00} with a supervisor named XXXX. When I called originally that same day, another representative was acting rude behavior that led me to request to speak to a supervisor, XXXX. XXXX then took my payment and stated the balance was {$1600.00}. I asked XXXX if she can send me a copy of the written contract and then failed to provide me with a copy of the written contract. Then, on Thursday, XX/XX/XXXX, I called the supervisor, XXXX, to make payment arrangement with her. XXXX then read the statement disclosure and the balance showing as {$1700.00}. I remembered documenting what she told me was the balance and then stated the interest accrues daily regardless if I was submitting an extra payment towards the principal balance 15 days prior to the due date. I submitted a payment of {$200.00} towards the principal balance and then XXXX stated the balance would be at {$1500.00}. I then asked her why is the balance accruing more than what was agreed and then stated that their machine is made to charge people to accrue the daily interest. I asked her again to provide me with the copy of the written contract I signed where it says " Accrue daily interest '' and then failed again to provide me with a copy of the contract. The account number is : XXXX. Despite making payments, the agency reported to the credit bureaus and my credit score dropped XXXX pts. I like to submit a complaint against them because they are not providing me with a copy and keep overcharging me for making an extra payment, and 15 days before the due date. This company was hired by greystar apartments after I was the victim of a car accident of a hit and run accident that led to losing the apartment on XX/XX/XXXX. The address where I was renting from was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Requested to.have name removes from accounts, I was only the authorized user on the account, account primary other then myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am writing a request the removal of unauthorized credit inquiries date XX/XX/scrub>XXXX Exeter Finance LLC/XXXX I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, I request that all accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which address the removal of fraudulent accounts and unauthorized access to credit information. 
Please ensure that the following accounts are blocked and deleted from my credit report immediately : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
In 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I was in car accident. My car was a total loss. I kept paying on my loan until my insurance company told me I no longer had to because the loan for my car was paid off. The date of the payoff was XX/XX/year>. There was even a surplus of funds which i received. The loan was paid off the amount was {$20000.00}. The payoff amount was submitted to my insurance company ( XXXX ). Which was given by a letter of guarantee on XX/XX/year>. 
Then on XX/XX/year> I received a email stating my payment was 45 days past due. the amount was for {$12.00}. Surely, this was a mistake, how could i owe if the loan was paid in full. I called and spoke to a customer service rep. I asked how could i be late if the car is paid off? I was told the insurance did cover the whole amount. I was told it was paid off and I didn't owe any money. that is was the first time I received any notice of a bill. Plus it was saying I was late 45 days. The representative said she would remove the amount as a courtesy. I asked is this going to affect my credit. I was assured it would not. 
Next, a couple of days later I receive a credit alert from XXXX about my credit. I login and see my score dropped by XXXX XXXX. Taking my score from good to poor. I was trying to purchase another car which made it impossible to get a loan. I had never been late on the car loan. I filed a dispute XX/XX/year>. I received a reply later stating that in fact the reporting was correct. XXXX? I tried to escalate the issue higher up. I was told " This is as high as you can go unless to want to talk with the president of the company. '' I said fine I would like to do that then. I later, received a call from lady, stating she was the administrative assistant to the president. She wanted to know how she could help me. I explained my issue and after countless calls to the custom service department I kept getting the run around or the call would be dropped. She asked me to send all the information and I did. It was the same result, that their reporting was correct. Also when I gave the amount owed from their own letter of guarantee sent to XXXX the said the amount was incorrect. XXXX? So for a lousy {$12.00} my credit has been ruined when I have never been late on this loan only to receive an email after the payoff stating I was 45 days late on {$12.00} and my next payment was for {$420.00} which was due on XX/XX/year>. Again what? I will submit copies of communication from XXXX and myself as well as the emails and letter from Capital One. Lastly, in their reply to my dispute. They state they mailed out letters to me. If that was the case do you not thing I would have contacted them? The first time I heard of it was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: FinCo Services Inc DBA Current
State: UT

Complaint narrative:
I opened a checking account online with current bank CURRENT XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX However, I found that they added a credit builder to this checking account and reported it as secured credit card to XXXX XXXX. I only agreed to open the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have read and acknowledged your statement reflecting my complaint. However, I have points that I want to state : FIRST POINT : According to the FTC under Negative Information it states If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports Anegative information XXXX  about your customers to a nationwide CRA ( for example, XXXX, XXXX, XXXX XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Give Feedback You must provide the notice either before you furnish the negative information or within 30 days of furnishing it. You may include the notice with a notice of default, a billing statement, or another item sent to the consumer, but you can not send it with a Truth In Lending Act notification. The notices MUST BE clear and conspicuous. SECOND POINT. I dont see what cease and desist has anything to do with my previous complaint. THIRD POINT : I never received a negative notice prior to you reporting late payments! Terms and agreement isnt law. Your terms and agreement states that you MAY NOT MUST report negative information! FOURTH POINT. As per 15usc 1666b section A ( 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 did not receive billing statements 21 days BEFORE the payment due date and you published these statements 30 days! Even the paperless statements dont show 21 days BEFORE being published online! FIFTH POINT. You have to follow proper steps prior to reporting late payments to the CRAs. You must reverse all late payments due to you not following all procedures according to the FCRA and FTC!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an inquiry on XX/XX/year> from Capital one that I have no knowledge of. I called Capital one and told them that havent tried to open any new accounts recently and that the inquiry wasnt me. They said they would investigate. Fast forward to today nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
In 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation