vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
Please review the attached docs. 

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CA

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 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 2025-01-28 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: CA

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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

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 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request the immediate deletion of a collection account from my credit report. The details of the account are as follows : - Account Name : [ LVNV FUNDING ] XXXX Date open XX/XX/year> Balance {$800.00} I am making this request based on the Fair Debt Collection Practices Act ( FDCPA ), which governs the practices of collection agencies. Specifically, I believe that the collection agency has not adhered to the regulations set forth in this act, and as such, I am entitled to have this account removed from my credit report. 

Furthermore, I am writing to formally dispute the accuracy of information Upon reviewing my credit report, I noticed that this account has been reported as a new account, despite the fact that it has been closed for over three years. Additionally, the report does not include the original payment history or the closing date as required under the Fair Credit Reporting Act ( FCRA ). This misrepresentation is inaccurate and misleading.

I request that you investigate this matter and verify the accuracy of the information provided by LVNV Funding LLC. If they are unable to provide the necessary documentation, I ask that you remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was a victim of debit card fraud and found an extreme amount of unauthorized transactions. It was very obvious that the transactions posted were not something I would do. It was outside of my normal spendings. I disputed with the bank promptly and would receive temporary credit just for them to reverse their decision leaving me with an even greater loss because I would have spent the credit on bills and such as I would have normally had I not been a victim.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I now have to file a complaint another complaint with the CFPB for Amex as well regarding this matter, as both them and XXXX continue to point the finger at each other as to who has my money. On Wednesday, XX/XX/year>, I attempted to submit a wire transfer in the amount of {$15000.00} to my XXXX checking account. It was rejected, and I was told the rejection and return of the funds to American Express had been done the same day. American Express had initially told me on Friday and Monday that they did in fact have the funds pending release, however now a rude supervisor from Amex, XXXX ( fitting ) is telling me XXXX has yet to release them back. Now I have no idea where my money is, and both banks are insisting I contact the other to locate my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I have asked for verficiation of the investigation results from XXXX, XXXX, and Equifax on multiple occaissons on two accounts. XXXX XXXX and XXXX. They have not provided me with their verification method of investigation and have not fixed any errors regarding these two accounts. XXXX continues not to provide me with a copy of my credit report and after sending in documentation multiple times to correct my birthdate and social that they have listed, they still have not corrected this. Equifax also continues to report three accounts under the XXXX XXXX XXXX that were discharged and forgiven in accordance to the federal lawsuit that my loans were part of. I have called and sent all documents and still they continue to report incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following accounts XXXX XXXX {$200.00}

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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
In XX/XX/XXXX I started a Debt Management Plan with XXXX ( XXXX ). I have several credit cards that proposals were sent to, and all but one of the cards send a response back. The card in question is my TD Bank credit card. Since the proposals were sent out in XXXX, TD Bank has not responded to XXXX XXXX  requests. I have called TD Bank customer service multiple times. The first time they asked that XXXX send the proposals over again, this was in XXXX. TD Bank said it could take up to 30 days for a response to be made. Another month passed and I had XXXX reach out to TD Bank, and after over 2 months passing, TD Bank said they didnt receive the proposals. So again, on XX/XX/XXXX, XXXX faxed TD Bank yet another proposal for the debt management. The XXXX agent advised that I call TD in 3-5 days to get the proposal expedited. Since 3-5 days was around XXXX, I called them on XX/XX/XXXX. TD Bank said they had the proposal along with my authorization and that the status is " pending ''. I checked my XXXX creditor status page and it said " no decision made ''. On XX/XX/XXXX I reached out to XXXX yet again and told them I am still having an issue with TD Bank approving the debt management plan. The XXXX agent wrote me back and said that she spoke with a XXXX, and he told her that the proposal was in pending status. XXXX asked for additional clarification, and he was not able to assist the agent and she requested that someone in the proposal department reach out to the XXXX office to confirm status. At this point it has been 5 months of trying with TD Bank, all the while my credit score is continuing to drop because of late payments to them. My XXXX is a good chunk of money a month, and I cant afford many other payments outside of it- especially since when I confirmed doing the XXXX, the TD Bank card was part of the monthly equation. Working with XXXX has been great, and my other creditors have been great - and even sent me letters congratulating me on being part of a debt management plan. But TD Bank has been awful and all I want is for them to follow through on their word of getting the debt management proposal sent back with a response so that I can truly start to pay down my debt. Thank you for listening and if you need any additional information please do not hesitate to ask. I am hoping that making this move and filing this complaint will get this taken care of once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
I called in XXXX XXXXXXXX  to make payment arrangements of three payment of {$380.00} for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Shellpoint/Newrez took my payments out but they are stating they did not take the XXXX XXXX payment out of my savings account. I have faxed and emailed and sent certified mail copies of my bank statements to prove they did. They are still not applying my payment and are telling me that they did not receive it even with prove of withdrawal and copies of call log.

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 2025-01-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX Experian Information Solutions , Inc . 
Dispute Department po box XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts ; XXXX XXXX XXXX Acct # XXXX. {$71.00} XXXX XXXX XXXX. Acct # XXXX. {$690.00} XXXX XXXX. Acct # XXXX. {$700.00} 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to 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 explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$850.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$120.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I filed a dispute about services I did not receive from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid through XXXX with my Credit Card. I submitted many text messages including texting her saying the dates she did not show up. I paid her for XXXX XXXX XXXX. She did not show up for 6 of the massages. Navy Federal Credit Union ( NFCU ) told me on Saturday, I could call Monday XX/XX/XXXX to appeal the decision. That representative told me they would contact the Investigator on my behalf. I appeal, and another investigator will look into my appeal. When i called on XX/XX/XXXX, I spoke with two different representatives who gave me conflicting information. I had a XXXX representative on the 3 way telling them this was a business transaction not a person to person. I also spoke with a XXXX Supervisor who stated I would have to appeal with NFCU. I was told by one representative on the XXXX the case was closed. I called when i got off work and spoke with a XXXX. She suggested I call today XX/XX/XXXX, and that she was going to put notes in the system to have member services reach out to the Investigator department as noone did that on the XXXX.

Today, I contacted NFCU, it was told to me someone put a note in the system that I requested the case to be closed, but it was already closed. That was a lie. I never asked for the case to be closed. I called to appeal. Then I was told because XXXX XXXX responded with a no refund policy that I signed back in XXXX or XXXX ( before services were supposed to be performed as my XXXX wasn't scheduled until XX/XX/XXXX ). She claimed she books up fast, and that's why I paid and scheduled, and she told NFCU I received the services. 

NFCU refuse to follow their own guidelines. I submitted text messages where I messaged her on numerous occassions ( for proof ) she did not show up. I also informed NFCU my husband was home on vacation on the 6 dates she didn't show up. NFCU did not have XXXX XXXX prove she showed up, and refused to look at my documentation that she didn't show up. NFCU refuse to look at the additional documentation that I submitted as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
XXXXXXXX XXXX brought my vehicles loan from XXXX XXXX XXXX to refinance my vehicle after doing so XXXXXXXX XXXX had started my vehicle loan from the very beginning, making me have to repay the vehicle as I had just bought it from them showing that none of my prior payments went towards anything after talking to them about this they told me this was perfectly after refusing to pay. They repossessed the vehicle and charged it off, damaging my credit report and reporting fraudulent 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